02c04-5.php

来自「介绍PHP5的给类型函数应用」· PHP 代码 · 共 62 行

<?php
ob_start();
require '02c04-1.php';
ob_end_clean();

// A function to make a table of payments using the Rule of 78 for interest
// a = the initial amount you are calculating from
// r = the annual percentage rate
// y = the number of years of the loan
function create_payment_table($a, $r, $y) {
	// First of all calculate the total interest & total Payment
	$interest = calc_simple_interest($a, $r, $y);
	$payment = $a + $interest;

	// Also calculate what the monthly payment will be:
	$monthly = $payment / ($y * 12);
	
	// Echo these out:
	echo "
Total Payment = {$payment}<br />
Total Interest = {$interest}<br />
Monthly Payments = {$monthly}<br />
";
	
	// Now calculate what the rule of 78 number will be:
	$rule78 = array_sum(range(1, ($y * 12)));
	
	// Begin our output:
	echo "<style>td { border: 1px solid black; }</style>
<table><tr><th>Month</th><th>Interest</th><th>Principal</th>
<th>Equity</th></tr>\n";

	// Now loop through all months, backwards
	$equity = 0;
	for ($m = ($y * 12); $m > 0; $m--) {
		// Calculate the actual month number:
		$num = abs($m - ($y * 12) - 1);
		
		// Calculate the interest, principal & equity:
		$int = $interest * ($m/$rule78);
		$prin = $monthly - $int;
		$equity += $prin;

		// Now echo all that out
		echo "<tr><td>{$num}</td><td>{$int}</td><td>{$prin}</td>
<td>{$equity}</td></tr>\n";
	}
	
	// Close off our table and exit
	echo '</table>';
}

// Now make the table for a $250,000, 15 year mortgage at 5.5% interest
// Will begin with:
// Total Payment = 456250
// Total Interest = 206250
// Monthly Payments = 2534.7222222222
// Month	Interest		  Principal			Equity
// 1	    2279.0055248619	  255.71669736034	255.71669736034
// 2	    2266.3443830571	  268.37783916513	524.09453652548
create_payment_table(250000, .055, 15);
?>