/**以下为计算器计算公式函数，分别为个人储蓄存款计算器、个人住房贷款计算器、
 **个人贷款计算器、企业贷款计算器、外币兑换计算器、外币存款计算器、外汇贷款计算器
 */
/*函数：COMMON------
 *输入参数：original（存款金额）         active（存款金额）
 *          timeSpan（存款时间：月份）   interestRate（利息税率）
 *输出参数：objArray   其中:
 *	    objArray[0]为存款利息 objArray[1]为利息税额
 *	    objArray[2]为实得利息 objArray[3]为本息合计
 *	    结果保留两位小数
 */
function privateSaveCommon(original,active,timeSpan,interestRate){
	var interest=original*active*0.001*timeSpan;
	//interest=(Math.round(interest*100))/100;//存款利息：取两位小数
	var interestTaxe=interest*interestRate;
	//interestTaxe=(Math.round(interestTaxe*100))/100;//利息税额：取两位小数
        var realInterest=interest*(1-interestRate);
        //realInterest=(Math.round(realInterest*100))/100;//实得利息：取两位小数
        var total=parseFloat(original)+parseFloat(realInterest);
        //total=(Math.round(total*100))/100;//本息合计：取两位小数
        var objArray=new Array();
        objArray[0]=interest;
        objArray[1]=interestTaxe;
        objArray[2]=realInterest;
        objArray[3]=total;
        return objArray;
}
/*函数：个人储蓄存款计算器计算公式--非活期
 *输入参数：original（存款金额）         active（存款金额）
 *          timeSpan（存款时间：月份）   interestRate（利息税率）
 *输出参数：objArray   其中:
 *	    objArray[0]为存款利息 objArray[1]为利息税额
 *	    objArray[2]为实得利息 objArray[3]为本息合计
 *	    结果保留两位小数
 */
function privateSave(original,active,timeSpan,interestRate){
	//alert(timeSpan);
	var interest=original*active*0.01*timeSpan;
	var interestTaxe=interest*interestRate;
        var realInterest=interest*(1-interestRate);
        var total=parseFloat(original)+parseFloat(realInterest);
	interest=(Math.round(interest*100))/100;//存款利息：取两位小数        
	realInterest=(Math.round(realInterest*100))/100;//实得利息：取两位小数   
	interestTaxe=(Math.round(interestTaxe*100))/100;//利息税额：取两位小数 	     
        total=(Math.round(total*100))/100;//本息合计：取两位小数
        var objArray=new Array();
        objArray[0]=interest;
        objArray[1]=interestTaxe;
        objArray[2]=realInterest;
        objArray[3]=total;
        return objArray;
}
function privateSaveDHLB(original,active,timeSpan,interestRate){
	//alert(timeSpan);
	var interest=original*active*0.01*timeSpan/12;	
	var interestTaxe=interest*interestRate;
        var realInterest=interest-interestTaxe;
        var total=parseFloat(original)+parseFloat(realInterest);
	interest=(Math.round(interest*100))/100;//存款利息：取两位小数        
	realInterest=(Math.round(realInterest*100))/100;//实得利息：取两位小数   
	interestTaxe=(Math.round(interestTaxe*100))/100;//利息税额：取两位小数 	     
        total=(Math.round(total*100))/100;//本息合计：取两位小数
        var objArray=new Array();
        objArray[0]=interest;
        objArray[1]=interestTaxe;
        objArray[2]=realInterest;
        objArray[3]=total;
        return objArray;
}

function privateSaveLCZQ(original,active,timeSpan,interestRate){
//	alert(timeSpan);
	var timeSpan=parseFloat(timeSpan)+1;
	var interest=original*active*0.01*timeSpan/(2*12);
	var interestTaxe=interest*interestRate;
        var realInterest=interest*(1-interestRate);
        var total=parseFloat(original)+parseFloat(realInterest);
	interest=(Math.round(interest*100))/100;//存款利息：取两位小数        
	realInterest=(Math.round(realInterest*100))/100;//实得利息：取两位小数   
	interestTaxe=(Math.round(interestTaxe*100))/100;//利息税额：取两位小数 	     
        total=(Math.round(total*100))/100;//本息合计：取两位小数
//        document.write("original",original,"active",active,"timeSpan",timeSpan);
        var objArray=new Array();
        objArray[0]=interest;
        objArray[1]=interestTaxe;
        objArray[2]=realInterest;
        objArray[3]=total;
        return objArray;
}
//函数：国债
function nationalDebtSave(original,active,timeSpan,interestRate){
	var interest=original*active*0.01*timeSpan;
	var interestTaxe=interest*interestRate;
        var realInterest=interest*(1-interestRate);
        var total=parseFloat(original)+parseFloat(realInterest);
	interest=(Math.round(interest*100))/100;//存款利息：取两位小数        
	interestTaxe=(Math.round(interestTaxe*100))/100;//利息税额：取两位小数        
        realInterest=(Math.round(realInterest*100))/100;//实得利息：取两位小数        
        total=(Math.round(total*100))/100;//本息合计：取两位小数
        var objArray=new Array();
        objArray[0]=interest;
        objArray[1]=interestTaxe;
        objArray[2]=realInterest;
        objArray[3]=total;
        return objArray;//利息税额：取两位小数        
     
}
//函数：个人储蓄存款计算器计算公式--活期
function privateSaveHQ(original,active,yearBegin,monthBegin,dayBegin,yearEnd,monthEnd,dayEnd,interestRate){
	var original1=original;
	var firstYear631;
	var firstMonth631;
	var firstDay631;
	var lastYear631;
	var lastMonth631;
	var lastDay631;
	var timeNow=new Date();
	//var nowYear=timeNow.getYear();
	//var nowMonth=timeNow.getMonth()+1;
	//var nowDay=timeNow.getDate();	
	var nowYear=yearEnd;
	var nowMonth=monthEnd;
	var nowDay=dayEnd;		
	if(nowMonth>=7){
		lastYear631=nowYear;			
        }
        else{
        	lastYear631=parseInt(nowYear)-1;        
        }
        if(monthBegin<7){
		firstYear631=yearBegin;	
		//alert("dddaaa:"+monthBegin+"::"+monthBegin*1+"<7")		
        }
        else{
        	firstYear631=parseInt(yearBegin)+1;    
        	//alert("ddd"+firstYear631);    
        }
        var n631=lastYear631-firstYear631;
        //alert(n631);
        if(parseInt(n631)>-1){
        	var timeSpan1=parseFloat(firstYear631)*12+parseFloat(7)
        		     -parseFloat(yearBegin)*12-parseFloat(monthBegin)-parseFloat(dayBegin/30);
        	var timeSpan2=parseFloat(nowYear)*12+parseFloat(nowMonth)+parseFloat(nowDay/30)
        		      -parseFloat(lastYear631)*12-parseFloat(7);
        	//alert("timeSpan1:"+timeSpan1+"###timeSpan2:"+timeSpan2);
        	var objArray=new Array();
        	objArray=privateSaveCommon(original,active,timeSpan1,interestRate); 
        	
        	//return objArray; 
        	
        	for(i=0;i<parseInt(n631);i++){
        		original=objArray[3];
        		//alert(original);
        		objArray=privateSaveCommon(original,active,"12",interestRate);       		
        	}
        	original=original=objArray[3];
        	objArray=privateSaveCommon(original,active,timeSpan2,interestRate);
		
		total=objArray[3];
        	realInterest=total-original1;
        	interest=realInterest/0.8;
		interestTaxe=interest-realInterest;
		interest=(Math.round(interest*100))/100;//存款利息：取两位小数        
		interestTaxe=(Math.round(interestTaxe*100))/100;//利息税额：取两位小数        
        	realInterest=(Math.round(realInterest*100))/100;//实得利息：取两位小数        
        	total=(Math.round(total*100))/100;//本息合计：取两位小数		
		
		objArray[0]=interest;
        	objArray[1]=interestTaxe;
        	objArray[2]=realInterest;
        	objArray[3]=total;
        	//alert(original1+":original1");        	
        	return objArray;   
        }
        if(parseInt(n631)==-1){ 
        	var timeSpan=parseFloat(nowYear*12)+parseFloat(nowMonth)+parseFloat(nowDay/30)
        		    -parseFloat(yearBegin*12)-parseFloat(monthBegin)-parseFloat(dayBegin/30)
        	var objArray=new Array();
        	//alert(timeSpan);
        	objArray=privateSave(original,active,timeSpan,interestRate);
        	return objArray;
	} 
	if(parseInt(n631)<-1){ 
		alert("选择正确的存款起止日期！");
		return;
		}
}
/*函数：外汇储蓄存款计算器计算公式
 *输入参数：original（存款金额）         active（存款金额）
 *          timeSpan（存款时间：月份）   
 *输出参数：objArray   其中:
 *	    objArray[0]为存款利息 objArray[1]为本息合计
 *	    结果保留两位小数
 */
function foreignSave(original,active,timeSpan,interestRate){
	//alert("DD");
	var interest=original*active*0.01*timeSpan;
	var interestTaxe=interest*interestRate;
        var realInterest=interest*(1-interestRate);
        var total=parseFloat(original)+parseFloat(realInterest);
	interest=(Math.round(interest*100))/100;//存款利息：取两位小数        
	realInterest=(Math.round(realInterest*100))/100;//实得利息：取两位小数   
	interestTaxe=(Math.round(interestTaxe*100))/100;//利息税额：取两位小数 	     
        total=(Math.round(total*100))/100;//本息合计：取两位小数
        var objArray=new Array();
        objArray[0]=interest;
        objArray[1]=interestTaxe;
        objArray[2]=realInterest;
        objArray[3]=total;
        return objArray;        
}
/*函数：住房贷款计算器计算公式
 *输入参数：original（贷款金额）         active（贷款利率）
 *          timeSpan（贷款时间）   
 *	    objArray[0]为月还款额 objArray[1]为月还款总额
 *	    结果保留两位小数
 */
function estateBorrow(original,timeSpan,active)//等额本息
{
    active=active*10/12;
	var monthBack = original*active*0.001*Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))/(Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))-1);
	var totalBack = monthBack*timeSpan;//还款总额
	var totalInterest = monthBack*timeSpan-original;//总共支付利息  

    var objArray=new Array();
    objArray[0] = monthBack;//月均还款
    objArray[1] = totalBack;
    objArray[2] = totalInterest;    
    return objArray;
}

function totalRate(original,timeSpan,active,totalMonth)//计算在中途某个月份还款后，剩余本金，已付利息和已还款总额
{
    active=active*10/12;
    var monthBack=original*active*0.001*Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))/(Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))-1);
    var sybj = original;//剩余本金
    var yflx = 0;//已付利息
    
    for(i=1;i<=totalMonth;i++)
    {
        var bylx = sybj * active * 0.001;//本月利息
        yflx += bylx;
        var bybj = monthBack - bylx;//本月还款中的本金
        sybj -= bybj;
    }
    
    var objArray = new Array();
    objArray[0] = sybj;//剩余本金
    objArray[1] = yflx;//已付利息
    objArray[2] = monthBack * totalMonth;//已还款总额
    return objArray;
}

function forecastMonth(bj,yhk,active)//根据本金、月还款额和年利率，测算大约要还多少个月
{
    active = active * 10 / 12;
    var f1 = yhk / (yhk - bj * active * 0.001);
    var f2 = 1 + active * 0.001;
    f1 = Math.log(f1);//alert("请");
    f2 = Math.log(f2);
    
    return Math.floor(f1 / f2);
}

function estateBorrow1(original,timeSpan,active)//等额本金
{
    //timeSpan=timeSpan*12;
    active=active*10/12;
	active = active*0.001;
	var monthOriginal = original / timeSpan;
	var timeSpan1=parseInt(timeSpan);
	var interestTotal=0;	
	var backMonth = "";
	for(i=1;i<timeSpan1+1;i++)
	{
		var interestM=(original-original*(i-1)/timeSpan1)*active;
		backMonth += i + "月:" + (monthOriginal + interestM).toFixed(2) + "元\n";
		interestTotal=parseFloat(interestTotal)+parseFloat(interestM);			
	}
	//var monthBack=original*active*Math.pow((1+parseFloat(active)),parseFloat(timeSpan))/(Math.pow((1+parseFloat(active)),parseFloat(timeSpan))-1);

	interestTotal=(Math.round(interestTotal*100))/100;//贷款利息：取两位小数
    var moneyTotal=parseFloat(original)+parseFloat(interestTotal);
    var objArray=new Array();
    objArray[2]=interestTotal.toFixed(2);
    objArray[1]=moneyTotal.toFixed(2);
	objArray[0]=backMonth;
    return objArray;
}
/*函数：企业贷款计算器计算公式
 *输入参数：original（贷款金额）         active（贷款利率）
 *          timeSpan（贷款时间：月份）   
 *	    objArray[0]为每月利息 objArray[1]为累计利息  objArray[2]为还款总额
 *	    结果保留两位小数
 */
function companyBorrow(original,active,timeSpan){
        //var monthInterest=original*active*0.01;
        var totalInterest=original*active*0.01*timeSpan;
        var totalBack=parseFloat(original)+parseFloat(totalInterest)
	//monthInterest=(Math.round(monthInterest*100))/100;//存款利息：取两位小数
	totalInterest=(Math.round(totalInterest*100))/100;//存款利息：取两位小数	
	totalBack=(Math.round(totalBack*100))/100;//存款利息：取两位小数
        var objArray=new Array();
        //objArray[0]=monthInterest;
        objArray[0]=totalInterest;
        objArray[1]=totalBack;    
        return objArray;
}
//旅游贷款 综合消费贷款  短期信用贷款  :::分期还本付息
function privateborrow1(original,active,timeSpanEvery,termNum){
	var timeSpan=parseInt(timeSpan);
	var interestTotal=0;	
	for(i=1;i<parseInt(termNum)+1;i++){
		interestM=parseFloat(original)/parseInt(termNum)+(parseFloat(original)
		-parseFloat(original)*(i-1)/parseInt(termNum))*active*0.01*timeSpanEvery/12;
		interestTotal=parseFloat(interestTotal)+parseFloat(interestM);			
	}
	//var monthBack=original*active*0.001*Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))/(Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))-1);
	interestTotal=(Math.round(interestTotal*100))/100;//贷款利息：取两位小数
        //var moneyTotal=parseFloat(original)+parseFloat(interestTotal);
        var objArray=new Array();
        objArray[0]=interestTotal;
        //objArray[1]=moneyTotal;
        return interestTotal;
}
//函数：国家助学贷款
function privateborrow2(original,active,timeSpanEvery,termNum){
	var timeSpan=parseInt(timeSpan);
	var interestTotal=0;	
	for(i=1;i<parseInt(termNum)+1;i++){
		interestM=parseFloat(original)/parseInt(termNum)+(parseFloat(original)
		-parseFloat(original)*(i-1)/parseInt(termNum))*active*0.01*0.5*2*timeSpanEvery/12;
		interestTotal=parseFloat(interestTotal)+parseFloat(interestM);			
	}
	//var monthBack=original*active*0.001*Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))/(Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))-1);
	interestTotal=(Math.round(interestTotal*100))/100;//贷款利息：取两位小数
        //var moneyTotal=parseFloat(original)+parseFloat(interestTotal);
        var objArray=new Array();
        objArray[0]=interestTotal;
        //objArray[1]=moneyTotal;
        return interestTotal;
}
//函数：商业助学贷款
function privateborrow3(original,active,timeSpanEvery,termNum){
	var timeSpan=parseInt(timeSpan);
	var interestTotal=0;	
	for(i=1;i<parseInt(termNum)+1;i++){
		interestM=parseFloat(original)/parseInt(termNum)+(parseFloat(original)
		-parseFloat(original)*(i-1)/parseInt(termNum))*active*0.01*2*timeSpanEvery/12;
		interestTotal=parseFloat(interestTotal)+parseFloat(interestM);			
	}
	//var monthBack=original*active*0.001*Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))/(Math.pow((1+parseFloat(active*0.001)),parseFloat(timeSpan))-1);
	interestTotal=(Math.round(interestTotal*100))/100;//贷款利息：取两位小数
        //var moneyTotal=parseFloat(original)+parseFloat(interestTotal);
        var objArray=new Array();
        objArray[0]=interestTotal;
        //objArray[1]=moneyTotal;
        return interestTotal;
}