phelix/loan-amortization

全面的贷款摊销计算包，用于计算摊销表和利率

维护者

详细信息

github.com/phelixjuma/loan-amortization

源代码

问题

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类型：包

v1.0.18 2023-05-03 13:06 UTC

Requires (Dev)

Apache-2.0 353f3909e47b8c2787f86e4459c5b0a2f707bf59

  • Phelix Juma <jumaphelix.woop@kuzalab.com>

amortizationphelixloan-calculator

This package is auto-updated.

Last update: 2024-09-03 16:14:41 UTC

README

这是一个PHP SDK，用于计算贷款摊销。它计算总利息、还款金额以及还款计划。

包含的利率类型

  • 固定利率利息
    • 这是利息类型，其中每个期间的利率都是按贷款本金金额的百分比计算的
    • 整个还款期间，贷款利息保持不变
  • 减少余额的利息
    • 在这种情况下，不是计算本金金额的利息，而是计算每个期间的利息为本金还款余额的百分比
    • 因此，当用户的贷款余额减少时，他们将在后期支付更少的利息，这与他们在贷款还款计划开始时支付的金额相比

包含的摊销类型

  • 贷款摊销基本上描述了在给定时间段内分散的还款计划
  • 支持以下类型
    • 等额本金还款：这是一种还款计划，其中本金还款在整个还款期间保持不变
    • 等额本息还款：这是一种还款计划，其中总还款在整个还款期间保持不变
  • 贷款摊销类型取决于利率类型
    • 固定利率：摊销类型并不重要。在整个还款期间，还款将包含等额分期付款和本金及利息还款
    • 减少余额的利息：支持这两种类型。任何时候都可以使用其中之一

还款宽限期

该包支持三种还款宽限期类型

  • 本金还款宽限期：当应用时，设定期间的本金还款将被推迟到以后。例如，如果本金还款宽限期设置为2，那么前两个分期付款将没有本金还款，本金将通过剩余的分期付款收回
  • 利息还款宽限期：当应用时，设定期间的利息还款将被推迟到以后。例如，如果利息还款宽限期设置为2，那么前两个分期付款将没有利息还款，利息将在最后两个分期付款中收取。
  • 利息宽限期：这是对收取的利息应用的条件宽限期。如果设置，指定期间的利息为零利率，即该期间不支付利息。例如，如果贷款在一年内偿还，则前两个月利息为零利率，因此用户只需支付前两个月的本金金额。

安装

composer require phelix/loan-amortization

如何测试

这个测试更多的是一个可视化工具，而不是真正的测试。

vendor/bin/phpunit test

文档

在您查看示例代码时，请注意，任何带有期间的区域，期间类型可以取以下任何值： days（天），weeks（周），months（月）和 years（年）。所有内容均为小写且为复数。

1. 固定利率

贷款详情

  • 贷款本金 = 50,000.00
  • 年利率 = 12%
  • 贷款期限 = 1周
  • 还款计划 = 每2天还款一次
<?php 

    use Phelix\LoanAmortization\ScheduleGenerator;

    $interestCalculator = new ScheduleGenerator();
    
    $interestCalculator
                ->setPrincipal(50000)
                ->setInterestRate(12, "yearly", ScheduleGenerator::FLAT_INTEREST) // note the interest type
                ->setLoanDuration(1, "weeks") // could be "years" to have it in years or "months" to have it in months
                ->setRepayment(1,2, "days")
                ->generate();
    
    print "\nTotal Interest = {$interestCalculator->interest} \n";
    print "Effective Interest Rate = {$interestCalculator->effective_interest_rate} \n";
    print "Total Repayable amount = {$interestCalculator->amount} \n";
    print "Number of Installments = {$interestCalculator->no_installments} \n";
    print "Repayment Frequency = {$interestCalculator->repayment_frequency} \n";
    
    print "Amortization Schedule: \n";
    
    print_r($this->interestCalculator->amortization_schedule);
    
    // Sample Schedule Response:
    
    Array
    (
        [0] => Array
            (
                [principal_repayment] => 14285.71,
                [interest_repayment] => 32.88,
                [total_amount_repayment] => 14318.59,
                [principal_repayment_balance] => 35714.29
            ),
    
        [1] => Array
            (
                [principal_repayment] => 14285.71,
                [interest_repayment] => 32.88,
                [total_amount_repayment] => 14318.59,
                [principal_repayment_balance] => 21428.58,
            ),
    
        [2] => Array
            (
                [principal_repayment] => 14285.71,
                [interest_repayment] => 32.88,
                [total_amount_repayment] => 14318.59,
                [principal_repayment_balance] => 7142.87,
            ),
    
        [3] => Array
            (
                [principal_repayment] => 7142.87,
                [interest_repayment] => 16.43,
                [total_amount_repayment] => 7159.3,
                [principal_repayment_balance] => 0
            )
    
    );

2. 余额递减 - 等额本金还款

贷款详情

  • 贷款本金 = 50,000.00
  • 年利率 = 12%
  • 贷款期限 = 1周
  • 还款计划 = 每2天还款一次
<?php 

    use Phelix\LoanAmortization\ScheduleGenerator;

    $interestCalculator = new ScheduleGenerator();
    
    $interestCalculator
                ->setPrincipal(50000)
                ->setInterestRate(12, "yearly", ScheduleGenerator::INTEREST_ON_REDUCING_BALANCE) // note the interest type
                ->setLoanDuration(1, "weeks")
                ->setRepayment(1,2, "days")
                ->setAmortization(ScheduleGenerator::EVEN_PRINCIPAL_REPAYMENT) // note the amortization type
                ->generate();
    
    print "\nTotal Interest = {$interestCalculator->interest} \n";
    print "Effective Interest Rate = {$interestCalculator->effective_interest_rate} \n";
    print "Total Repayable amount = {$interestCalculator->amount} \n";
    print "Number of Installments = {$interestCalculator->no_installments} \n";
    print "Repayment Frequency = {$interestCalculator->repayment_frequency} \n";
    
    print "Amortization Schedule: \n";
    
    print_r($this->interestCalculator->amortization_schedule);
    
     // Sample Response
     Array
     (
         [0] => Array
             (
                 [principal_repayment] => 21428.57,
                 [interest_repayment] => 49.32,
                 [total_amount_repayment] => 21477.89,
                 [principal_repayment_balance] => 28571.43
             ),
     
         [1] => Array
             (
                 [principal_repayment] => 21428.57,
                 [interest_repayment] => 28.18,
                 [total_amount_repayment] => 21456.75,
                 [principal_repayment_balance] => 7142.86
             ),
     
         [2] => Array
             (
                 [principal_repayment] => 7142.86,
                 [interest_repayment] => 7.05,
                 [total_amount_repayment] => 7149.91,
                 [principal_repayment_balance] => 0
             )
     
     );

3. 余额递减 - 等额本息还款

贷款详情

  • 贷款本金 = 50,000.00
  • 年利率 = 12%
  • 贷款期限 = 1周
  • 还款计划 = 每2天还款一次
<?php 

    use Phelix\LoanAmortization\ScheduleGenerator;

    $interestCalculator = new ScheduleGenerator();
    
    $interestCalculator
                ->setPrincipal(50000)
                ->setInterestRate(12, "yearly", ScheduleGenerator::INTEREST_ON_REDUCING_BALANCE) // note the interest type
                ->setLoanDuration(1, "weeks")
                ->setRepayment(1,2, "days")
                ->setAmortization(ScheduleGenerator::EVEN_INSTALLMENT_REPAYMENT) // note the amortization type
                ->generate();
    
    print "\nTotal Interest = {$interestCalculator->interest} \n";
    print "Effective Interest Rate = {$interestCalculator->effective_interest_rate} \n";
    print "Total Repayable amount = {$interestCalculator->amount} \n";
    print "Number of Installments = {$interestCalculator->no_installments} \n";
    print "Repayment Frequency = {$interestCalculator->repayment_frequency} \n";
    
    print "Amortization Schedule: \n";
    
    print_r($this->interestCalculator->amortization_schedule);
    
    // Sample Response
    Array
    (
        [0] => Array
            (
                [principal_repayment] => 16650.23,
                [interest_repayment] => 49.32,
                [total_amount_repayment] => 16699.55,
                [principal_repayment_balance] => 33349.77
            ),
    
        [1] => Array
            (
                [principal_repayment] => 16666.66,
                [interest_repayment] => 32.89,
                [total_amount_repayment] => 16699.55,
                [principal_repayment_balance] => 16683.11,
            ),
    
        [2] => Array
            (
                [principal_repayment] => 16683.11,
                [interest_repayment] => 16.45,
                [total_amount_repayment] => 16699.55,
                [principal_repayment_balance] => 0
            )
    
    );

4. 本金还款宽限期

贷款详情

  • 贷款本金 = 50,000.00
  • 年利率 = 12%
  • 贷款期限 = 1周
  • 还款计划 = 每2天还款一次
<?php 

    use Phelix\LoanAmortization\ScheduleGenerator;

    $interestCalculator = new ScheduleGenerator();
    
    $interestCalculator
                ->setPrincipal(50000)
                ->setInterestRate(12, "yearly", ScheduleGenerator::INTEREST_ON_REDUCING_BALANCE) // note the interest type
                ->setLoanDuration(1, "weeks")
                ->setRepayment(1,2, "days")
                ->setAmortization(ScheduleGenerator::EVEN_INSTALLMENT_REPAYMENT) // note the amortization type
                ->setGraceOnPrincipalRepayment(2) // note the grace period. First two principals' payment deferred
                ->setGraceOnInterestRepayment(1) // note the grace period. First month interest payment is deferred
                ->setGraceOnInterest(5, "days", 2, "days") // not how this is set. It reads: If you repay entire loan within 5 days, then no interest will be charged for the first two days
                ->generate();
    
    print "\nTotal Interest = {$interestCalculator->interest} \n";
    print "Effective Interest Rate = {$interestCalculator->effective_interest_rate} \n";
    print "Total Repayable amount = {$interestCalculator->amount} \n";
    print "Number of Installments = {$interestCalculator->no_installments} \n";
    print "Repayment Frequency = {$interestCalculator->repayment_frequency} \n";
    
    print "Amortization Schedule: \n";
    
    print_r($this->interestCalculator->amortization_schedule);

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