liujq
/
vrpage


			
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<html lang="zh-cmn-Hans">
<head>
    

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    <title></title>
    <meta http-equiv="Content-Type" content="text/html; charset=UTF-8">
    <meta charset="UTF-8">
</head>
<style type="text/css">
    .color_red{
        color:red;
    }
</style>
<body>

 
<div class="mian">
    <form class="jsq_mian">
        <div style="margin-top:5px" class="weui-cells ">
            <div class="weui-cell">
                <div class="weui-cell__hd"><label class="weui-label" style="width: 120px"><span class="color_red">*</span>主借款人账户余额</label></div>
                <div class="weui-cell__bd">
                    <input class="weui-input" placeholder="请输入余额" style="text-align: right"
                           oninput="handleInfo('zjkrzhye',this)"/>
                </div>
            </div>
            <div class="weui-cell">
                <div class="weui-cell__hd"><label class="weui-label" style="width: 90px"><span class="color_red">*</span>缴存基数</label></div>
                <div class="weui-cell__bd">
                    <input class="weui-input" placeholder="请输入缴存基数" style="text-align: right"
                           oninput="handleInfo('zjkrgzjs',this)"/>
                </div>
            </div>
            <div class="weui-cell ">
                <div class="weui-cell__hd"><label class="weui-label"><span class="color_red">*</span>出生日期</label></div>
                <div class="weui-cell__bd">
                    <input onclick="openpick(this,'yyyy-mm-dd')" class="weui-input" style="text-align: right"
                           id="csrq" placeholder="请选择出生日期"/>
                </div>
            </div>
            <div class="weui-cell" style="height: 21px">
                <div class="weui-cell__hd"><label class="weui-label">性别</label></div>
                <div class="weui-cell__bd">
                    <select id="xingbie" class="weui-select" valid="r" style="direction: rtl">
                        <option value="0">男</option>
                        <option value="1">女</option>
                    </select>
                </div>
            </div>
            <div class="weui-cell" style="height: 21px">
                <div class="weui-cell__hd"><label class="weui-label">是否多子女家庭</label></div>
                <div class="weui-cell__bd">
                    <select id="sfdh" class="weui-select" valid="r" style="direction: rtl">
                        <option value="0">否</option>
                        <option value="1">是</option>
                    </select>
                </div>
            </div>
            <div class="weui-cell ">
                <div class="weui-cell__hd"><label class="weui-label"><span class="color_red">*</span>累计缴存月份</label></div>
                <div class="weui-cell__bd">
                    <input oninput="handleInfo('ljhjyfs',this)" style="text-align: right" placeholder="请输入累计缴存月份"
                           class="weui-input "/>
                </div>
            </div>
            <div class="weui-cell" style="height: 21px">
                <div class="weui-cell__hd"><label class="weui-label" style="width: 120px">是否连续缴存满5年</label></div>
                <div class="weui-cell__bd">
                    <select class="weui-select" id="sflxjc" style="direction: rtl">
                        <option value="0">否</option>
                        <option value="1">是</option>
                    </select>
                </div>
            </div>
            <div class="weui-cell" style="height: 25px">
                <div class="weui-cell__hd"><label class="weui-label" style="width: 180px">共同借款人是否在同城住房公积金中心缴交公积金</label>
                </div>
                <div class="weui-cell__bd">
                    <select class="weui-select" onchange="handleInfo('sfztczfgjj',this)" style="direction: rtl">
                        <option value="0">否</option>
                        <option value="1">是</option>
                    </select>
                </div>
            </div>
            <div id="jrx_box" style="display: none">
                <div class="weui-cell">
                    <div class="weui-cell__hd"><label class="weui-label" style="width: 140px"><span class="color_red">*</span>共同借款人账户余额</label></div>
                    <div class="weui-cell__bd">
                        <input class="weui-input" id="gtjkrzhye" placeholder="请输入账户余额" style="text-align: right"
                               oninput="handleInfo('gtjkrzhye',this)"/>
                    </div>
                </div>
                <div class="weui-cell">
                    <div class="weui-cell__hd"><label class="weui-label" style="width: 140px"><span class="color_red">*</span>共同借款人缴存基数</label></div>
                    <div class="weui-cell__bd">
                        <input class="weui-input" id="gtjkrgzjs" placeholder="请输入缴存基数" style="text-align: right"
                               oninput="handleInfo('gtjkrgzjs',this)"/>
                    </div>
                </div>
            </div>
            <div class="weui-cell" style="height: 21px">
                <div class="weui-cell__hd"><label class="weui-label">购房所在地</label></div>
                <div class="weui-cell__bd">
                    <select class="weui-select" onchange="handleInfo('gfszd',this)" style="direction: rtl">
                        <option value="0">市城区</option>
                        <option value="1">南昌县</option>
                        <option value="2">新建区(含原湾里区)</option>
                        <option value="3">进贤县</option>
                        <option value="4">安义县</option>
                        
                    </select>
                </div>
            </div>
            <div class="weui-cell">
                <div class="weui-cell__hd"><label class="weui-label" style="width: 90px"><span class="color_red">*</span>房屋总价</label></div>
                <div class="weui-cell__bd">
                    <input class="weui-input" placeholder="请输入房屋总价" style="text-align: right"
                           oninput="handleInfo('fwzj',this)"/>
                </div>
            </div>
            <div class="weui-cell" style="height: 21px">
                <div class="weui-cell__hd"><label class="weui-label"><span class="color_red">*</span>房屋性质</label></div>
                <div class="weui-cell__bd">
                    <select class="weui-select" id="fwxz" style="direction: rtl" onchange="changeFwxz(this)">
                        <option value="0">商品房</option>
                        <option value="1">存量房</option>
                        <option value="2">商转公</option>
                    </select>
                </div>
            </div>
            <div class="weui-cell" style="height: 21px">
                <div class="weui-cell__hd"><label class="weui-label">房屋套数</label></div>
                <div class="weui-cell__bd">
                    <select class="weui-select" onchange="handleInfo('fwts',this)" style="direction: rtl">
                        <option value="0">一套</option>
                        <option value="1">二套</option>
                    </select>
                </div>
            </div>
            <div class="weui-cell" style="height: 21px">
                <div class="weui-cell__hd"><label class="weui-label">还款方式</label></div>
                <div class="weui-cell__bd">
                    <select class="weui-select" onchange="handleInfo('hkfs',this)" style="direction: rtl">
                        <option value="0">等额本金</option>
                        <option value="1">等额本息</option>
                    </select>
                </div>
            </div>
            <div class="weui-cell szgedjs_box" style="display: none">
                <div class="weui-cell__hd"><label class="weui-label" style="width: 90px"><span class="color_red">*</span>贷款余额</label></div>
                <div class="weui-cell__bd">
                    <input class="weui-input" id="dkye_" placeholder="请输入贷款余额" style="text-align: right"
                           oninput="handleInfo('dkye_',this)"/>
                </div>
            </div>
            <div class="weui-cell szgedjs_box"  style="display: none">
                <div class="weui-cell__hd"><label class="weui-label" style="width: 100px"><span class="color_red">*</span>购房提取金额</label></div>
                <div class="weui-cell__bd">
                    <input class="weui-input" id="gftqje_" placeholder="请输入购房提取金额" style="text-align: right"
                           oninput="handleInfo('gftqje_',this)"/>
                </div>
            </div>
        </div>

        <div style="display:none;">
            <div class="jsqleftdiv"><label>家庭工资基数：</label><input type="text" id="jtgzjs"/></div>
        </div>
        <div class="box mar-all">
            <div class="box-f1 mar-all">
                <a onclick="reset()" class="fund_ui_btn fund_ui_btn_primary"
                   style="background: #FFFFFF;color: #00A1EA;border: 1px solid #00A1EA">重置</a>
            </div>
            <div class="box-f1 mar-all">
                <a onclick="calc()" class="fund_ui_btn fund_ui_btn_primary">开始计算</a>
            </div>
        </div>
    </form>
    <div style="font-size: 14px;color: #dda244;padding: 0px 10px 10px 10px">
        <p class="red">温馨提示：</p>
        <ul>
            <li class="noPointLi">&emsp;“缴存基数”、“累计缴存月份”和“是否连续缴存满5年”等信息可通过以下渠道查询：</li>
            <li class="noPointLi">&emsp;1.公积金中心官方网站—个人网上业务大厅—我要查询；</li>
            <li class="noPointLi">&emsp;2.微信公众号—服务大厅—快速查—账户查询；</li>
            <li class="noPointLi">&emsp;3.手机客户端—快速查—账户查询；</li>
            <li class="noPointLi">&emsp;4.支付宝—赣服通—当前地址切换至南昌市—查看全部—本地服务—市公积金—账户查询；</li>
            <li class="noPointLi">&emsp;试算结果仅供参考，具体贷款额度以公积金中心根据贷款材料审批结果为准。</li>
        </ul>
    </div>
</div>
<style>
    .noPointLi{
        list-style-top: none;
        word-wrap:break-word;
        word-break:normal;
    }
</style>
<script type="text/javascript">
    $(document).ready(function () {
        if (window.onViewOpen) {
            onViewOpen();
        }
        if (window.onViewCreate) {
            onViewCreate();
        }
        if (!window.goback) {
            $("#nav-left").bind("click", function () {
                window.history.go(-1);
            });
            var nav = $("<div class='circle  box box-c tx-c'><div class='fa  fa-angle-left fa-2x' style='color:#00A1EA;display:relative;'></div></div>");
            nav.bind("click", function () {
                closeCurrWin();
            });
            $(document.body).append(nav);
        }
    })
    var option = {
        zjkrzhye: 0,
        zjkrgzjs: 0,
        ljhjyfs: 6,
        sfztczfgjj: 0,
        gtjkrzhye: 0,
        gtjkrgzjs: 0,
        gfszd: 0,
        fwzj: 0,
        fwts: 0,
        hkfs: 0,
        dknx: 0,
        dkye_: 0,
        gftqje_: 0,
        fwxz: 0
    };

    function handleInfo(key, item) {
        if("sfztczfgjj"==key){
            if("1"==item.value){
                $("#jrx_box").show();
                $("#gtjkrzhye").val(option["gtjkrzhye"])
                $("#gtjkrgzjs").val(option["gtjkrgzjs"])
            }else{
                option["gtjkrzhye"] = 0;
                option["gtjkrgzjs"] = 0;
                $("#jrx_box").hide();
            }
        }
        option[key] = +item.value;
        if (key === 'zjkrgzjs' || key === 'gtjkrgzjs') {
            $('#jtgzjs').val(option['zjkrgzjs'] + option['gtjkrgzjs']);
        }
    }


    function openpick(obj, format, fun) {
        var date = new Date();
        weui.datePicker({
            start: date.getFullYear() - 70,
            end: date.getFullYear(),
            defaultValue: [new Date().getFullYear(), new Date().getMonth() + 1, new Date().getDate()],
            onChange: function (result) {
            },
            onConfirm: function (result) {
                console.log(result);
                obj.value = result[0].value + "-" + result[1].value + "-" + result[2].value;
            }
        });
    }

    function calc() {
        var dkye = $("#dkye_").val()
        var gftqje = $("#gftqje_").val()
        var fwxz = option['fwxz']
        if (isEmpty(option['zjkrzhye'])) {
            Base.alert("主借款人账户余额不能为空", "warn")
            return
        } else if (isEmpty(option['zjkrgzjs'])) {
            Base.alert("缴存基数不能为空", "warn")
            return
        } else if (isEmpty(Base.getValue("csrq"))) {
            Base.alert("出生日期不能为空", "warn")
            return
        } else if (isEmpty(option['ljhjyfs'])) {
            Base.alert("累计汇缴月份数不能为空", "warn")
            return
        } else if (isEmpty(option['fwzj'])) {
            Base.alert("房屋总价不能为空", "warn")
            return
        } else if (fwxz == '2' && dkye != '0' && isEmpty(dkye)) {
            Base.alert("贷款余额不能为空", "warn")
            return
        } else if (fwxz == 2 && gftqje != '0' && isEmpty(gftqje)) {
            Base.alert("购房提取金额不能为空", "warn")
            return
        }else if (option["sfztczfgjj"] == 1 && (option["gtjkrzhye"] == 0 || option["gtjkrgzjs"] == 0)){
            Base.alert("共同借款人账户余额或缴存基数不能为空", "warn")
            return
        }
        var dknx = 0;
        var age = 0;
        var xingbie = $("#xingbie option:selected").val();
        var sflxjc = $("#sflxjc option:selected").val();
        var sfdh = $("#sfdh option:selected").val();
        var csrq = $("#csrq").val();
        var csinfo = csrq.split("-");
        var cs_year = parseInt(csinfo[0]);
        var cs_month = parseInt(csinfo[1]);
        var cs_day = parseInt(csinfo[2]);
        var date = new Date();
        var year = parseInt(date.getFullYear());
        var month = parseInt(date.getMonth() + 1);
        var day = parseInt(date.getDate());
        if (month < cs_month) {
            age = year - cs_year - 1;
        } else {
            age = year - cs_year
        }
        age = age + 1;
        if ("0" == xingbie) {
            dknx = 60 - age;
        } else {
            dknx = 55 - age;
        }
        if (dknx > 30) {
            dknx = 30
        }
        if (!dknx) {
            dknx = 0
        }
        if (age < 18) {
            dknx = 0
        }
        if (1 == sflxjc) {
            dknx += 5;
        }
        if(dknx>30){
            dknx = 30;
        }
        // var fwxz = $("#fwxz").val();
        if("1"==fwxz || fwxz == '2'){
            if(dknx>20){
                dknx=20;
            }
        }
        var dkeda, dkedb, dkedc;
        dkeda = (option['zjkrzhye'] + option['gtjkrzhye']) * 30 * monthToParam(option['ljhjyfs']);
        dkedb = gfszdTodked(option['gfszd'], option['sfztczfgjj']);
        //是否多子女家庭上浮20%
        if ( sfdh == "1") {
            dkedc = Math.min(dkeda, dkedb) * 1.2;
        } else {
            dkedc = Math.min(dkeda, dkedb);
        }

        if (option['fwts'] === 0) {
            dkedc = Math.min(dkedc, option['fwzj'] * 0.8);
        } else {
            dkedc = Math.min(dkedc, option['fwzj'] * 0.7);
        }

        dkedc = option['hkfs'] === 0 ?
            debjCalc(dkedc, dknx, option['zjkrgzjs'], option['gtjkrgzjs'],option['fwts']) :
            debxCalc(dkedc, dknx, option['zjkrgzjs'], option['gtjkrgzjs'],option['fwts']);
        showResult()
        $('#kdnx').val(dknx);
        if(fwxz != '2') {
            $('#dked').val(parseInt(dkedc / 1000) * 1000);
            return;
        }else {
            //仅商转公的房子才需要根据贷款余额和已提取金额去算
            //2021-09-22 原公式计算金额与贷款余额取最小值-购房提取金额
            var fin_dked = Math.min(dkedc, option['dkye_']) - option['gftqje_']
            $('#dked').val(parseInt(fin_dked / 1000) * 1000);
        }
    }

    /**
     * 房屋性质为商转公则显示贷款余额
     * @param value
     */
    function changeFwxz(item){
        if (item.value == 2){
            $(".szgedjs_box").show()
        }else {
            $(".szgedjs_box").hide()
        }
        option['fwxz'] = item.value
    }

    function isEmpty(arr){
        return !arr || arr.length == 0
    }

    function monthToParam(val) {
        val = parseInt(val);
        var opt = {
            0: 0.9,
            1: 0.9,
            2: 1,
            3: 1.1,
            4: 1.2,
            5: 1.3
        };
        if (val < 6) {
            return 0;
        } else if (6 <= val && val <= 12) {
            return opt[0];
        } else if (12 < val && val <= 24) {
            return opt[1];
        } else if (24 < val && val <= 36) {
            return opt[2];
        } else if (36 < val && val <= 48) {
            return opt[3];
        } else if (48 < val && val <= 60) {
            return opt[4];
        } else {
            return opt[5];
        }
    }

    function gfszdTodked(pos, type) {
        var opt = {
            0: [700000, 800000],
            1: [700000, 800000],
            2: [700000, 800000],
            3: [700000, 800000],
            4: [700000, 800000],
            5: [700000, 800000]
        };
        return opt[pos][type];
    }

    function debxCalc(dkedc, dknx, zjkrgzjs, gtjkrgzjs,fwts) {
        var rate = 0;
        if(dknx<=5){
            if(fwts==0){
                rate = 0.026;
            }else{
                rate = 0.03025;
            }
        }else{
            if(fwts==0){
                rate = 0.031;
            }else{
                rate = 0.03575;
            }
        }
        var yhke = dkedc * ((rate / 12) * (Math.pow(1 + rate / 12, dknx * 12))) / (Math.pow(1 + rate / 12, dknx * 12) - 1);

        if (yhke <= (zjkrgzjs + gtjkrgzjs) * 0.6) {
            return dkedc;
        } else {
            return ((zjkrgzjs + gtjkrgzjs) * 0.6) * (Math.pow(1 + rate / 12, dknx * 12) - 1) / ((rate / 12) * (Math.pow(1 + rate / 12, dknx * 12)));
        }
    }

    function debjCalc(dkedc, dknx, zjkrgzjs, gtjkrgzjs,fwts) {
        var rate = 0;
        if(dknx<=5){
            if(fwts==0){
                rate = 0.026;
            }else{
                rate = 0.03025;
            }
        }else{
            if(fwts==0){
                rate = 0.031;
            }else{
                rate = 0.03575;
            }
        }
        var yhke = dkedc * rate / 12 + dkedc / (dknx * 12);

        if (yhke <= (zjkrgzjs + gtjkrgzjs) * 0.6) {
            return dkedc;
        } else {
            return (zjkrgzjs + gtjkrgzjs) * 0.6 / (rate / 12 + 1 / (dknx * 12));
        }
    }

    function reset() {
        $('.jsq_mian')[0].reset();
    }

    function closeCurrWin() {
        window.history.go(-1);
    }

    function showResult() {

        var html = "<div style='padding:.3rem;'><div  style='margin-top:0px'  class='weui-cells weui-cells_form'>"
            + "<div class='weui-cell' >"
            + "<div class='weui-cell__hd'><label  style='width:5rem' class='weui-label'>可贷年限：</label></div>"
            + "<div class='weui-cell__bd'> <input style='font-size: .875rem' class='weui-input' readonly id='kdnx' placeholder='' type='text' value=''></div>"
            + "</div>"
            + "<div class='weui-cell' >"
            + "<div class='weui-cell__hd'><label style='width:5rem' class='weui-label'>可贷金额：</label></div>"
            + "<div class='weui-cell__bd'> <input style='font-size: .875rem'  class='weui-input' readonly id='dked' placeholder='' type='text' value=''></div>"
            + "</div>"
            + "</div></div>"
        $.dialog({ok: "确定", title: "计算结果", content: html, mode: 1}, function (index) {

            return;
        });
    }

</script>
</body>
</html>