Algorithm 生成摊销计划
我的任务是创建一个生成摊销计划的程序。到目前为止,我只做了一点研究,但我需要计算出付款、每笔付款的利息和每笔付款的本金。有人能给我指出正确的方向来解决这个问题吗?虽然我将在RPG中写这篇文章,但我相信其他人将来也会使用这个算法Algorithm 生成摊销计划,algorithm,language-agnostic,amortization,Algorithm,Language Agnostic,Amortization,我的任务是创建一个生成摊销计划的程序。到目前为止,我只做了一点研究,但我需要计算出付款、每笔付款的利息和每笔付款的本金。有人能给我指出正确的方向来解决这个问题吗?虽然我将在RPG中写这篇文章,但我相信其他人将来也会使用这个算法 (更新)好的,那么我如何根据一年365天计算呢?有很多网站提供这些公式。一个是: 不需要花哨的算法,因为公式通常非常简单。布赖恩是对的。公式很简单 如果您希望您的解决方案是一个好的解决方案,您将注意舍入错误。如果您只是让舍入误差累积和传播,您可以在计划结束时减去几美分。
(更新)好的,那么我如何根据一年365天计算呢?有很多网站提供这些公式。一个是:
不需要花哨的算法,因为公式通常非常简单。布赖恩是对的。公式很简单 如果您希望您的解决方案是一个好的解决方案,您将注意舍入错误。如果您只是让舍入误差累积和传播,您可以在计划结束时减去几美分。通过仔细编程,您可以将错误降至最低
此外,如果您的计算机上有MS Excel,您可以从MS office online下载摊销模板。最近,当我购买第一套住房时,我编写了一个JavaScript应用程序供个人使用 下面是一段修改后的代码片段,用于确定每月付款:
var balance = 200000; // for example
var periods = 360; // 30 years
var monthlyRate = (0.065)/12; // 0.065= APR of 6.5% as decimal
var monthyPayment = (monthlyRate /(1-(Math.pow((1+monthlyRate),-(periods)))))*balance;
for (var i=0; i<360; i++) {
var interestForMonth = balance * monthlyRate;
var principalForMonth = monthlyPayment - interestForMonth;
balance -= monthlyPayment; // probably should be -= principalForMonth see comments below
// output as necessary.
}
var余额=200000;//例如
var期间=360;//30年
月利率风险值=(0.065)/12;//0.065=小数点后6.5%的APR
var月付款=(月利率/(1-(数学功率((1+月利率),-(期间ЮЮ))*余额;
对于(var i=0;i,这里是我最终创建的。我已经发布了整个测试程序。它是用RPG编写的,但是对于任何其他语言都应该很容易理解
H ActGrp(*caller) BndDir('MODULES') DftActGrp(*no)
//*********************************************************************
// Program . . . . . AMORT
//*********************************************************************
// Printer/Display Files
FAMORTDF CF E WORKSTN sfile(SFL01:rrn01)
//*********************************************************************
// Named Constants
/copy modules/qcopysrc,statuscopy
// Named Indicators
D indicatorPtr S * Inz(%Addr(*IN))
D DS Based(IndicatorPtr)
/copy modules/qcopysrc,scrncopy
// Subfile Fields
D rrn01 S 4P 0 inz(0)
//*********************************************************************
// Misc Fields
D* Monthly Payment
D m S 12P 2
D* Principal
D p S 12P 2
D* Interest
D i S 5P 3
D* Length (in Years)
D l S 3P 0
D* Monthly Interest
D j S 10P10
D* # of Months
D n S 5P 0
D* Current Monthly Int.
D h S 12P 2
D* Current Principal
D c S 12P 2
D* New Balance
D q S 12P 2
//*********************************************************************
// External Program Procedures
// Internal Subprocedures
D Init PR
D Main PR
D SubfileFilled PR N
D ClearScreen PR
D IsValidData PR N
D LoanPayment PR 12P 2
D principal 12P 2
D interest 5P 3
D loanPeriod 3P 0
D paymentsYear 3P 0
// External Subprocedures
///copy modules/qsrvsrc,p.string
//*********************************************************************
// Entry Parms
D AMORT PR extpgm('AMORT')
D AMORT PI
//*********************************************************************
/free
Init();
Main();
*inlr = *on;
/end-free
P*--------------------------------------------------
P* Procedure name: Init
P* Purpose:
P* Returns:
P*--------------------------------------------------
P Init B
D Init PI
/free
pgm = 'AMORT';
sflDsp = *off;
return;
/end-free
P Init E
P*--------------------------------------------------
P* Procedure name: Main
P* Purpose:
P* Returns:
P*--------------------------------------------------
P Main B
D Main PI
/free
dow (not F3) and (not F12);
write OVR01;
exfmt CTL01;
ClearScreen();
if (IsValidData()) and (not F3) and (not F12);
// Fill the header information
dPayment = LoanPayment(dLoanAmt:dIntRate:dLoanPrd:dPayYear);
dNumPaymnt = dLoanPrd * dPayYear;
m = dPayment + dExtraPay;
p = dLoanAmt;
q = p;
// Fill the table
if (SubfileFilled());
sflDsp = *on;
endif;
endif;
enddo;
return;
/end-free
P Main E
P*--------------------------------------------------
P* Procedure name: SubfileFilled
P* Purpose: Fill the subfile
P* Returns:
P*--------------------------------------------------
P SubfileFilled B
D SubfileFilled PI N
D isFilled S N
D x S 4P 0
D intCume S 12P 2
D extraPayCume S 12P 2
D payDate S D
D payment S 12P 2
D extraPayment S 12P 2
/free
isFilled = *on;
sflClear = *on;
write CTL01;
sflClear = *off;
rrn01 = 0;
x = 0;
// Setup the work fields
payment = dPayment;
extraPayment = dExtraPay;
payDate = dStartDate;
// Create records until there is a zero balance
dow (q > 0);
x += 1;
eval(h) h = p * j; // Monthly Interest
// Adjust for final payment
if (p < m);
m = p + h;
payment = p;
extraPayment = h;
endif;
// Calulate Principal
c = m - h;
// Calulate the new balance
q = p - c;
// Accumulate the interest and extra payments
intCume += h;
extraPayCume += extraPayment;
// Determine the next pay date
select;
when dTerms = '1'; //Yearly
payDate += %years(1);
when dTerms = '2'; //Semi-Annual
payDate += %months(6);
when dTerms = '3'; //Quarterly
payDate += %months(3);
when dTerms = '4'; //Monthly
payDate += %months(1);
when dTerms = '5'; //Bi-Weekly
payDate += %days(14);
endsl;
// Fill the subfile
sPayNum = x;
sPayDate = payDate;
sBegBal = p;
sSchedPay = payment;
sExtraPay = extraPayment;
sTotPay = m;
sInterest = h;
sPrincipal = c;
sEndBal = q;
sCumeInt = intCume;
// Move the End balance to the beginning balance
p = q;
rrn01 += 1;
write SFL01;
enddo;
// Return the calculated information to the header
dActPaymnt = x;
dTotInt = intCume;
dTotEPay = extraPayCume;
if (rrn01 < 1);
isFilled = *off;
endif;
return isFilled;
/end-free
P SubfileFilled E
P*--------------------------------------------------
P* Procedure name: ClearScreen
P* Purpose:
P* Returns:
P*--------------------------------------------------
P ClearScreen B
D ClearScreen PI
/free
c = 0;
h = 0;
i = 0;
j = 0;
l = 0;
m = 0;
n = 0;
p = 0;
q = 0;
dPayment = 0;
dNumPaymnt = 0;
dActPaymnt = 0;
dTotEPay = 0;
dTotInt = 0;
return;
/end-free
P ClearScreen E
P*--------------------------------------------------
P* Procedure name: IsValidData
P* Purpose: Validate the data on the screen
P* Returns: True or False
P*--------------------------------------------------
P IsValidData B
D IsValidData PI N
D isValid S N
/free
if (dLoanAmt <> 0) and (dIntRate <> 0) and (dLoanPrd <> 0) and
(dPayYear <> 0) and (dStartDate <> %date('0001-01-01'));
isValid = *on;
else;
isValid = *off;
endif;
return isValid;
/end-free
P IsValidData E
P*--------------------------------------------------
P* Procedure name: LoanPayment
P* Purpose: Calculates the payment
P* Returns:
P*--------------------------------------------------
P LoanPayment B
D LoanPayment PI 12P 2
D principal 12P 2
D interest 5P 3
D loanPeriod 3P 0
D paymentsYear 3P 0
D retMonthlyPayment...
D S 12P 2
/free
eval(h) n = loanPeriod * paymentsYear;
eval(h) j = interest / (paymentsYear * 100);
eval(h) m = principal * (j / (1 - (1 + j) ** -n));
return m;
/end-free
P LoanPayment E
H ActGrp(*调用者)BndDir('MODULES')DftActGrp(*否)
//*********************************************************************
//节目…阿莫特
//*********************************************************************
//打印机/显示文件
著名的CFE工作文件(SFL01:rrn01)
//*********************************************************************
//命名常数
/复制模块/qcopysrc,状态复制
//命名指标
D指示器S*Inz(%Addr(*IN))
D基于DS(指示灯)
/复制模块/qcopysrc,scrncopy
//子文件字段
D rrn01 S 4P 0英寸(0)
//*********************************************************************
//杂项字段
D*每月付款
D m S 12P 2
D*负责人
D p S 12P 2
D*利息
D i S 5P 3
D*长度(以年为单位)
D l S 3P 0
D*月利息
D j S 10P10
D*个月
D n S 5P 0
D*当前每月整数。
D h S 12P 2
D*现任校长
D c S 12P 2
D*新余额
D q S 12P 2
//*********************************************************************
//外部程序程序
//内部子流程
D初始PR
D主要公共关系
D子文件
D清屏公关
伊斯瓦利达酒店
D贷款支付PR 12P 2
D校长12P 2
D利息5P 3
D贷款期限3P 0
D付款期3P 0
//外部子过程
///复制模块/qsrvsrc,p.string
//*********************************************************************
//入口Parms
D阿莫特公司(“阿莫特”)
阿莫特皮酒店
//*********************************************************************
/免费的
Init();
Main();
*inlr=*on;
/结束自由
P*--------------------------------------------------
P*过程名称:Init
P*目的:
P*返回:
P*--------------------------------------------------
P初始B
D初始π
/免费的
pgm=‘阿莫特’;
sflDsp=*关闭;
返回;
/结束自由
P Init E
P*--------------------------------------------------
P*程序名称:Main
P*目的:
P*返回:
P*--------------------------------------------------
主干道
D主PI
/免费的
道指(非F3)和(非F12);
写入OVR01;
exfmt CTL01;
清除屏幕();
if(IsValidData())和(非F3)和(非F12);
//填写标题信息
D支付=贷款支付(dLoanAmt:dIntRate:dLoanPrd:dPayYear);
dNumPaymnt=dLoanPrd*dPayYear;
m=付款+右旋付款;
p=dLoanAmt;
q=p;
//填表
if(SubfileFilled());
sflDsp=*开启;
endif;
endif;
enddo;
返回;
/结束自由
主菜
P*--------------------------------------------------
P*过程名称:子文件已填充
P*用途:填写子文件
P*返回:
P*--------------------------------------------------
P子文件B
D子文件
D是S
D x S 4P 0
D国际课程S 12P 2
D额外费用S 12P 2
D付款日期S D
D付款S 12P 2
D额外付款S 12P 2
/免费的
isFilled=*打开;
sflClear=*打开;
写CTL01;
sflClear=*关闭;
rrn01=0;
x=0;
//设置工作字段
付款=付款;
额外支付=快速支付;
付款日期=数据开始日期;
//创建记录,直到余额为零
道琼斯指数(q>0);
x+=1;
eval(h)h=p*j;//月利息
//调整fi
var annuity = P * (i + i / (Math.pow(1+i,n) -1));
//P: principal, I: periodic interest rate, N: number of periods
numerator = i * principle * (Math.Pow(1 + i, n));
denominator = (Math.Pow(1 + i, n) - 1);
/* Calculation of Amortization Payment Amount */
payment = numerator / denominator;