用Dojo实现的公积金贷款计算程序

最近在想了解一下公积金贷款的最新政策，在网上搜了半天，还是没搞明白贷款的算法。最后干脆上官网访问公积金计算器程序，活生生把算法的JavaScript扒拉下来，发现算法还蛮复杂的，绕来绕去的。

function gjjloan2(obj)
{
var gryjce;//住房公积金个人月缴存额
var poyjce;//配偶住房公积金个人月缴存额
var grjcbl;//缴存比例
var pojcbl;//配偶缴存比例
var xy; //个人信用
var fwzj;//房屋总价
var fwxz;//房屋性质
var dknx;//贷款申请年限
var syhk; //首月还款额
var dked;//需要贷款额度
var hkfs;//还款方式
var bxhj; //本息合计
var bxhj2; //本息合计等本金
//中间变量
var gbl;
var jtysr; //家庭月收入
var r;//月还款
var rb;
var gjjdka;//住房公积金贷款额度a
var gjjdkb;//住房公积金贷款额度b
var gjjdkc;//住房公积金贷款额度c
gryjce=obj.mount2.value;
if(gryjce<=0){
alert('住房公积金个人月缴存额不能为空,请输入.');
obj.mount2.value='';
obj.mount.focus();
return;
}
poyjce=obj.mount3.value;
/*if (obj.jcbl[0].checked==true)
{grjcbl=0.08;}
else {grjcbl=0.1;}
if (obj.p_bl[0].checked==true){pojcbl=0.08;}
else {pojcbl=0.1;}
*/
grjcbl=obj.jcbl.value/100;
pojcbl=obj.p_bl.value/100;
if (obj.xz[0].checked==true){fwxz=0.9;}
else {fwxz=0.8;}
if (obj.xy[0].checked==true){xy=1.15;}
else if(obj.xy[1].checked==true){xy=1.3;}
else {xy=1;}
fwzj=obj.mount.value;
if(fwzj<=0){alert('房屋总价不能为空,请输入');
obj.mount.value='';return;}
dknx=Math.round(obj.mount10.value);
//alert(dknx);
if(dknx<=0){alert('贷款申请年限不能为空,请输入');
obj.mount10.value='';return;}
var bcv=0;
if (dknx>5)
{if(obj.jtf[1].checked==true)
{
bcv=Math.round( 1000000 * l6_30*1.1/12 ) / 1000000;
}else{
bcv=Math.round( 1000000 * l6_30/12 ) / 1000000;
}
}else{
if (obj.jtf[1].checked==true)
{
bcv=Math.round( 1000000 * l1_5*1.1/12 ) / 1000000;
}else{
bcv=Math.round( 1000000 * l1_5/12 ) / 1000000;
}
}
r=adv_format((10000*bcv*Math.pow(1+bcv,12*dknx))/(Math.pow(1+bcv,12*dknx)-1),2);
jtysr=Math.ceil((gryjce/grjcbl+poyjce/pojcbl)*10)/10;
gjjdka=Math.min(Math.round((jtysr-400)/r*10000*10)/10,800000);
gjjdkb=Math.round(gjjdka*xy*10)/10;
gjjdkc=Math.round(fwzj*fwxz*10)/10;
//obj.ze2.value=gjjdka; //jtysr;
//obj.ze2.value=Math.floor(Math.min(gjjdkb,gjjdkc)/10000*10)/10;
//计算2
zgdk=obj.ze2.value; //最高贷款额度
dked=Math.round(obj.need.value*10)/10;
obj.need.value=dked;
if(dked==0){alert('需要的贷款额度不能为空,请输入');
obj.need.value='';return;}
if(dked<0){alert('输入的贷款额度不符合要求,请输入');
obj.need.value='';return;}
if(dked>zgdk){alert('不能高于最高贷款额度,请重新输入');
obj.need.value='';return;}
hkfs=obj.select.value;
if(hkfs==1){
//obj.ze22.value=Math.ceil(dked*r*100)/100;
//==============================modify by xujianfei
var ylv_new ;
if(dknx>=1&&dknx<=5)
{
if (obj.jtf[1].checked==true)
{
ylv_new = l1_5*1.1/12;
}else{
ylv_new = l1_5/12;
}
}
else{
if (obj.jtf[1].checked==true)
{
ylv_new = l6_30*1.1/12;
}else{
ylv_new = l6_30/12;
}
}
var ncm = parseFloat(ylv_new) + 1;//n次幂
var dknx_new = dknx*12;
total_ncm = Math.pow(ncm, dknx_new)
obj.ze22.value = Math.round(((dked*10000*ylv_new*total_ncm)/(total_ncm-1))*100)/100;
var pp = Math.round(((dked*10000*ylv_new*total_ncm)/(total_ncm-1))*100)/100;
//=========================================================
gbl=Math.round(Math.ceil(dked*r*100)/100/jtysr*1000)/10;
obj.yj2.value=gbl;
//bxhj=Math.round(r*dked*dknx*12*100)/100;
bxhj = Math.round(pp*dknx*12*100)/100;
obj.lx2.value=bxhj;
}
if (hkfs==2)
{
if (dknx>5)
{if (obj.jtf[1].checked==true)
{
rb=l6_30*1.1*100;
}else{
rb=l6_30*100;
}
}else{if (obj.jtf[1].checked==true)
{
rb=l1_5*1.1*100;
}else{
rb=l1_5*100;
}
}
syhk=Math.round((dked*10000/(dknx*12)+dked*10000*rb/(100*12))*100)/100;
obj.sfk2.value=syhk;
var yhke; //月还款额
var bxhj; //本息合计
var dkys; //贷款月数
var sydkze;//当前剩余贷款总额
var yhkbj; //月还款本金
dkys=dknx*12;
yhkbj=dked*10000/dkys;
yhke=syhk;
sydkze=dked*10000-yhkbj;
bxhj=syhk;
for (var count=2;count<=dkys; ++count)
{
//yhke=Math.round((dked*10000/(dknx*12)+sydkze*rb/(100*12))*100)/100;
yhke=dked*10000/dkys+sydkze*rb/1200;
sydkze-=yhkbj;
bxhj+=yhke;
}
obj.lx3.value= Math.round(bxhj*100)/100;
}
if (hkfs==3)
{
switch(dknx){//自由还款还款方式月最低还款额参照表,调整利率不修改
case 1 : rb=83.04/100; break;
case 2 : rb=81.08/100; break;
case 3 : rb=79.12/100; break;
case 4 : rb=77.16/100; break;
case 5 : rb=75.20/100; break;
case 6 : rb=73.24/100; break;
case 7 : rb=71.28/100; break;
case 8 : rb=69.32/100; break;
case 9 : rb=67.36/100; break;
case 10 : rb=65.40/100; break;
case 11 : rb=63.44/100; break;
case 12 : rb=61.48/100; break;
case 13 : rb=59.52/100; break;
case 14 : rb=57.56/100; break;
case 15 : rb=55.60/100; break;
case 16 : rb=53.64/100; break;
case 17 : rb=51.68/100; break;
case 18 : rb=49.72/100; break;
case 19 : rb=47.76/100; break;
case 20 : rb=45.80/100; break;
case 21 : rb=43.84/100; break;
case 22 : rb=41.88/100; break;
case 23 : rb=39.92/100; break;
case 24 : rb=37.96/100; break;
case 25 : rb=36.00/100; break;
case 26 : rb=34.04/100; break;
case 27 : rb=32.08/100; break;
case 28 : rb=30.12/100; break;
case 29 : rb=28.16/100; break;
case 30 : rb=26.20/100; break;
}
var yhke; //月还款额
var ll;//利率
var zhbj;//最后一期本金
zhbj = Math.round(dked*10000*rb*100)/100;
if (dknx<=5)
{if (obj.jtf[1].checked==true)
{
ll=l1_5*1.1/12;
}else{
ll=l1_5/12;
}
zdhkll=0.0445/12;
var total_gjj = Math.pow(zdhkll + 1, dknx*12);
syhk=Math.ceil(dked*10000*zdhkll*total_gjj/(total_gjj-1));
}
else
{if (obj.jtf[1].checked==true)
{
ll=l6_30*1.1/12;
}else{
ll=l6_30/12;
}
zdhkll=0.0490/12;
var total_gjj = Math.pow(zdhkll + 1, dknx*12-1);
syhk=Math.ceil((dked*10000-zhbj)*zdhkll*total_gjj/(total_gjj-1)+zhbj*zdhkll);
}
obj.sfk3.value=syhk; //最低还款额
var zhyqbj=dked*10000;
var zchlx=0;//总偿还利息
for (i=1;i<dknx*12 ;i++ )
{
zchlx+=Math.round(zhyqbj*ll*100)/100;
zhyqbj=Math.round((zhyqbj-(syhk-Math.round(zhyqbj*ll*100)/100))*100)/100;
}
var sydkze=dked*10000-syhk;
obj.lx4.value=zhyqbj; //最后期本金
obj.lx5.value=Math.round(zhyqbj*ll*100)/100;
/*for (i=1;i<dknx*12 ;i++ )
{
zchlx+=Math.round((dked*10000-(syhk-Math.round(dked*10000*ll*100)/100))*ll*100)/100;
}*/
zchlx+=Math.round(zhyqbj*ll*100)/100;
obj.lx6.value=Math.round(zchlx*100)/100;
}
//计算申请的最高贷款额度
/*
说明
家庭月收入＝住房公积金个人月缴存额÷缴存比例+配偶住房公积金个人月缴存额÷缴存比例
住房公积金贷款额度a＝（家庭月收入－400）÷等额均还月还款额每万元月还款额，且不大于40万元
对于个人信用等级为AAA的，住房公积金贷款额度b＝住房公积金贷款额度a×130％
对于个人信用等级为AA的，住房公积金贷款额度b＝住房公积金贷款额度a×115％
对于个人信用等级其它的，住房公积金贷款额度b＝住房公积金贷款额度a
对房屋性质为商品房期房的，住房公积金贷款额度c＝房屋总价×90％
对房屋性质为其它的，住房公积金贷款额度c＝房屋总价×95％
最高贷款额度d＝min（b，c）
等额均还还款公式：
等额本金还款公式
首月还款额=P/（n×12）+借款总额×I
其中：P为贷款本金，I为月利率，n为贷款年限。 */
}

最近刚刚接触Dojo，因此将该计算器程序用Dojo做了一个极其简陋的实现



首先在Head部分加入如下代码，用于加载Dojo的相关资源：

<link rel="stylesheet"
href="http://ajax.googleapis.com/ajax/libs/dojo/1.6/dijit/themes/claro/claro.css">
<script
src="http://ajax.googleapis.com/ajax/libs/dojo/1.6/dojo/dojo.xd.js"
data-dojo-config="parseOnLoad: true">

下面的代码用于初始化Dojo的Widget：

dojo.ready(function() {
var chart = new dojox.charting.Chart2D("piechart");

var button = new dijit.form.Button({
label : "开始计算",
onClick : function() {
gjjloan();
var chartData = [
parseInt(document.getElementById("lx4").value),
parseInt(document.getElementById("lx5").value) ];
console.log(chartData[0] + "---" + chartData[1]);
createChart(chart,chartData);
}
}, "btn");

var textbox = new dijit.form.TextBox({
placeHolder : "Enter text here."
}, "mount2");

var textbox = new dijit.form.TextBox({
placeHolder : "Enter text here."
}, "jcbl");

var textbox = new dijit.form.TextBox({
placeHolder : "Enter text here."
}, "mount3");

var textbox = new dijit.form.TextBox({
placeHolder : "Enter text here."
}, "p_bl");

var textbox = new dijit.form.TextBox({
placeHolder : "Enter text here."
}, "mount");

var textbox = new dijit.form.TextBox({
placeHolder : "Enter text here."
}, "mount10");

var textbox = new dijit.form.TextBox({
placeHolder : "Enter text here."
}, "need");

var textbox = new dijit.form.TextBox({}, "sfk3");

var textbox = new dijit.form.TextBox({}, "lx4");

var textbox = new dijit.form.TextBox({}, "lx5");

var textbox = new dijit.form.TextBox({}, "lx6");

var foo = new dijit.form.ComboBox({
value : "自由还款"
}, "select"

);

var radioZc = new dijit.form.RadioButton({
value : "政策住房",
name : "政策住房"
}, "zc");

var radioQt = new dijit.form.RadioButton({
checked : true,
value : "其他",
name : "其他"
}, "qt");

var radioAAA = new dijit.form.RadioButton({
checked : true,
value : "AAA",
name : "AAA"
}, "aaa");

var radioAA = new dijit.form.RadioButton({
value : "AA",
name : "AA"
}, "aa");

var radioOther = new dijit.form.RadioButton({
value : "其他",
name : "其他"
}, "others");

var radioOne = new dijit.form.RadioButton({
checked : true,
value : "第一套",
name : "第一套"
}, "first");

var radioTwo = new dijit.form.RadioButton({
value : "第二套",
name : "第二套"
}, "second");

});

关于PieChart的代码：

function createChart(chart,chartData) {
chart.setTheme(dojox.charting.themes.Claro);
chart.addPlot("default", {
type : "Pie",
markers : true
});
chart.addAxis("x");
chart.addAxis("y", {
min : 800,
max : 300000,
vertical : true,
fixLower : "major",
fixUpper : "major"
});
chart.addSeries("Monthly Sales - 2010", chartData);
var tip = new dojox.charting.action2d.Tooltip(chart, "default");
var mag = new dojox.charting.action2d.MoveSlice(chart, "default");
chart.render();
}