PHP等额本息，等额本金计算方式例子

function debx()
{
$dkm     = 240; //贷款月数，20年就是240个月
$dkTotal = 10000; //贷款总额
$dknl    = 0.0515;  //贷款年利率
$emTotal = $dkTotal * $dknl / 12 * pow(1 + $dknl / 12, $dkm) / (pow(1 + $dknl / 12, $dkm) - 1); //每月还款金额
$lxTotal = 0; //总利息
for ($i = 0; $i < $dkm; $i++) {
$lx      = $dkTotal * $dknl / 12;   //每月还款利息
$em      = $emTotal - $lx;  //每月还款本金
echo "第" . ($i + 1) . "期", " 本金:", $em, " 利息:" . $lx, " 总额:" . $emTotal, "
";
$dkTotal = $dkTotal - $em;
$lxTotal = $lxTotal + $lx;
}
echo "总利息:" . $lxTotal;
}

function debj()
{
$dkm     = 240; //贷款月数，20年就是240个月
$dkTotal = 10000; //贷款总额
$dknl    = 0.0515;  //贷款年利率

$em      = $dkTotal / $dkm; //每个月还款本金
$lxTotal = 0; //总利息
for ($i = 0; $i < $dkm; $i++) {
$lx      = $dkTotal * $dknl / 12; //每月还款利息
echo "第" . ($i + 1) . "期", " 本金:", $em, " 利息:" . $lx, " 总额:" . ($em + $lx), "
";
$dkTotal -= $em;
$lxTotal = $lxTotal + $lx;
}
echo "总利息:" . $lxTotal;
}