PMT功能支付类型 [英] PMT function Payment Type

问题描述

以下是我计算贷款支付的功能，
和excel一样，我需要添加另一个支付类型的参数。

Below is my function to calculate loan payment, As like in excel I need to add another parameter which is payment type.

function PMT (ir, np, pv, fv ) {
 /*
 ir - interest rate per month
 np - number of periods (months)
 pv - present value
 fv - future value (residual value)
 type - 0 or 1 need to implement that
 */
 pmt = ( ir * ( pv * Math.pow ( (ir+1), np ) + fv ) ) / ( ( ir + 1 ) * ( Math.pow ( (ir+1), np) -1 ) );
 return pmt;
}

当Type = 0时，利息计算为1个月，因为付款是假设是在月底。对于Type = 1，利息计算为0个月，因为付款是在月初。

With Type=0, the interest is computed for 1 month because the payment is assumed to be at the end of the month. For Type=1, the interest is computed for 0 months because the payment is at the beginning of the month.

任何人都可以帮我修改上述功能PaymentType功能。

Can anyone help me to modify the above function with this this PaymentType feature.

http：/ /www.techonthenet.com/excel/formulas/pmt.php

提前致谢

推荐答案

我不确定你需要什么样的PaymentType，但是这里我用的是C＃中的PMT功能，它是纯粹的C＃PMT功能：

I am not sure what you need the PaymentType for, but here what I use for PMT function in C#, it's pure C# PMT function:

public static double PMT(double yearlyInterestRate, int totalNumberOfMonths, double loanAmount)
{
    var rate = (double) yearlyInterestRate / 100 / 12;
    var denominator = Math.Pow((1 + rate), totalNumberOfMonths) - 1;
    return (rate + (rate/denominator)) * loanAmount;
}

用法：

PMT(7, 360, 120000);
// Result: 798.36
PMT(4.5, 360, 137500.47);
// Result: 696.69
PMT(4.13, 360, 61520);
// Result: 298.33
PMT(6.38, 360, 89200);
// Result: 556.78

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