Dynamic pre-loan repayment trial calculation software and implementation method thereof

Abstract

The invention relates to the technical field of finance, in particular to dynamic pre-loan repayment trial calculation software and an implementation method thereof, and the dynamic pre-loan repayment trial calculation software comprises a user interface module, a data storage module, a calculation engine module and a result display module. And the user interface module allows the user to input parameters such as loan amount, repayment time limit and interest rate, and selects a repayment mode. The data storage module maintains a database and stores basic information and repayment rules of loan products, including a user table, a loan product table and a trial record table. And the calculation engine module selects a proper repayment formula (such as equal-amount essential information or equal-amount principal) for calculation according to loan parameters input by the user, and generates a detailed repayment plan. The result display module visually displays the calculation result in the form of a table or a chart, and provides detailed information of monthly repayment. According to the invention, the user can conveniently and quickly carry out loan repayment trial calculation, understand a detailed repayment plan and make a more intelligent loan decision.

Description

Technical Field

[0001] The present invention relates to the field of financial technology, and in particular to a dynamic pre-loan repayment trial calculation software and an implementation method thereof. Background Art

[0002] In the financial credit business, accurately calculating the repayment plan of loan products has always been one of the important needs of users. The traditional method usually calculates the repayment trial based on the fixed loan amount, term and interest rate after the loan is approved, but this method lacks flexibility. Borrowers cannot intuitively understand their monthly repayment amount before loan approval, nor can they adjust their repayment strategy according to the repayment plan. With the development of Internet finance, dynamic and flexible repayment trial calculations have become the key for financial institutions to provide personalized services. If factors such as the loan amount, repayment term and interest rate can be dynamically adjusted in the pre-loan stage, and the corresponding repayment amount can be calculated in real time, it will meet the user's understanding and decision-making needs for the repayment plan in the early stage of the loan.

[0003] The technical problems to be solved by the present invention are:

[0004] 1. Implement dynamic repayment calculation: How to dynamically calculate the user's repayment plan based on different loan amounts, interest rates and terms in the pre-loan stage.

[0005] 2. Improve user decision-making efficiency: Enable users to adjust their repayment strategies and loan amounts based on actual repayment plans, thereby improving decision-making efficiency and accuracy.

[0006] 3. Provide personalized services: Provide personalized repayment plans based on the specific needs of each user to enhance user satisfaction and the competitiveness of financial institutions. Summary of the invention

[0007] The present invention relates to a dynamic loan repayment calculation system, which aims to solve the problems of cumbersome loan repayment calculation process and unintuitive calculation results in the prior art. By providing a friendly user interface, data storage module, calculation engine module and result display module, the system can dynamically calculate and intuitively display the repayment plan according to the parameters such as loan amount, term and interest rate input by the user.

[0008] The system is implemented through the following parts:

[0009] User interface module: The user interface module provides an input box that allows users to enter parameters such as loan amount, repayment period and interest rate, and select repayment method (such as equal principal and interest or equal principal) through a drop-down menu. After clicking the calculate button, the system triggers the repayment trial calculation.

[0010] Data storage module: The data storage module maintains a database to store basic information and repayment rules of various loan products. The database includes user tables, loan product tables and trial calculation record tables to efficiently manage and query loan product information and user trial calculation records.

[0011] Calculation engine module: The calculation engine module selects the appropriate repayment formula (equal principal and interest or equal principal) for calculation based on the loan parameters entered by the user, and generates a detailed repayment plan, including the monthly repayment amount, principal and interest.

[0012] Result display module: The result display module displays the calculation results to the user in the form of tables or charts, provides detailed information on monthly repayments, and allows users to dynamically modify loan parameters and update repayment plans in real time.

[0013] The present invention has the following advantages:

[0014] User-friendly interface, easy to operate;

[0015] The data storage module has a clear structure and efficient query;

[0016] The calculation engine module is accurate and fast, and the calculation results are reliable;

[0017] The result display module is intuitive and clear, and the information is easy to understand.

[0018] Through the present invention, users can easily and quickly perform loan repayment calculations, understand detailed repayment plans, and make more informed loan decisions.

[0019] Beneficial effects of the present invention:

[0020] 1. Improve user decision-making efficiency: Enable users to more reasonably choose loan amount and repayment period based on repayment trial calculation results in the pre-loan stage.

[0021] 2. Enhance user experience: Dynamic and intuitive repayment calculation results improve user satisfaction.

[0022] 3. Enhance the competitiveness of financial institutions: Enhance the competitiveness of financial institutions by providing personalized repayment calculation services.

[0023] 4. Reduce the risk of financial institutions: Reduce the credit risk of financial institutions through accurate calculation of repayment plans. BRIEF DESCRIPTION OF THE DRAWINGS

[0024] In order to more clearly illustrate the technical solutions in the present invention or the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings in the following description are only for the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0025] Figure 1 A schematic diagram of a practical operation interface of a user interface module according to an embodiment of the present invention;

[0026] Figure 2 It is a schematic diagram of the practical operation interface of the result display module of an embodiment of the present invention. DETAILED DESCRIPTION

[0027] The present invention is described in detail below in conjunction with the accompanying drawings and specific embodiments. At the same time, it is explained here that in order to make the embodiments more detailed, the following embodiments are the best and preferred embodiments, and those skilled in the art may also adopt other alternatives to implement some known technologies; and the accompanying drawings are only for more specific description of the embodiments, and are not intended to specifically limit the present invention.

[0028] It should be noted that the references to "one embodiment", "an embodiment", "an exemplary embodiment", "some embodiments" and the like in the specification indicate that the embodiments described may include specific features, structures or characteristics, but not every embodiment may include the specific features, structures or characteristics. In addition, when a specific feature, structure or characteristic is described in conjunction with an embodiment, it should be within the knowledge of a person skilled in the art to implement such feature, structure or characteristic in conjunction with other embodiments (whether or not explicitly described).

[0029] In general, a term can be understood, at least in part, from its use in context. For example, depending, at least in part, on the context, the term "one or more" as used herein can be used to describe any feature, structure, or characteristic in the singular sense, or can be used to describe a combination of features, structures, or characteristics in the plural sense. Additionally, the term "based on" can be understood as not necessarily intended to convey an exclusive set of factors, but can instead, depending, at least in part, on the context, allow for the presence of other factors that are not necessarily explicitly described.

[0030] Example 1

[0031] like Figure 1 to Figure 2 A dynamic pre-loan repayment calculation software and its implementation method, mainly including:

[0032] User interface module

[0033] Provide input boxes to allow users to enter parameters such as loan amount, repayment period, and interest rate.

[0034] Provide a drop-down menu to select different repayment methods, such as equal principal and interest or equal principal.

[0035] Provide a "Calculate" button, which triggers the repayment calculation after the user clicks it. Data Storage Module

[0036] Maintain a database to store basic information and repayment rules of various loan products.

[0037] The database includes table structures such as product ID, product name, repayment method list, interest rate range, etc.

[0038] The database model includes the following core tables:

[0039] 1. User table: stores basic information of users.

[0040] 2. Loan product table: stores basic information and repayment rules of loan products.

[0041] 3. Trial calculation record sheet: records the detailed information of each repayment trial calculation performed by the user.

[0042] Table Structure

[0043] Users

[0044]

[0045]

[0046] Loan Products

[0047]

[0048] Calculation Records

[0049]

[0050]

[0051] Data storage logic

[0052] 1. Initialize loan product information: When the system is initialized or the product is updated, the basic information and repayment rules of the loan product are stored in the loan product table.

[0053] 2. User operation: The user enters loan parameters (such as amount, term, interest rate, etc.) through the user interface to perform repayment calculation.

[0054] 3. Trial calculation record: Each time a user performs a repayment trial calculation, the system will store the input parameters, trial calculation results and other information in the trial calculation record table for subsequent query and analysis.

[0055] Through such data storage design, we can efficiently manage and query the basic information of loan products, repayment rules and users' repayment calculation records, and provide necessary data support for dynamic pre-loan repayment calculation software.

[0056] The calculation engine module selects an appropriate repayment formula for calculation based on the loan parameters entered by the user, such as loan amount, term and interest rate.

[0057] The calculation formula includes two methods: equal installment of principal and interest and equal installment of principal:

[0058] Equal principal and interest: The monthly repayment amount is fixed, and the formula is:

[0059]

[0060] Where M is the monthly payment, P is the principal, r is the monthly interest rate, and n is the number of repayment months.

[0061] Equal principal repayment: The principal repayment is fixed each month, and the interest rate decreases every month. The formula is:

[0062]

[0063] and I1 = P × r (interest portion of the first month),

[0064] The principal remains unchanged in subsequent months, but the interest rate decreases.

[0065] Results display module

[0066] The calculation results are intuitively displayed to users in the form of tables or charts.

[0067] Provides detailed information about monthly payments, including principal, interest, and remaining principal.

[0068] Allow users to modify loan parameters and dynamically update repayment plans.

[0069] The present invention covers any substitution, modification, equivalent method and scheme made on the essence and scope of the present invention. In order to make the public have a thorough understanding of the present invention, specific details are described in detail in the following preferred embodiments of the present invention, but those skilled in the art can fully understand the present invention without the description of these details. In addition, in order to avoid unnecessary confusion about the essence of the present invention, well-known methods, processes, procedures, components and circuits are not described in detail.

[0070] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A dynamic pre-loan repayment calculation software and its implementation method, characterized in that: It includes a user interface module for receiving parameters such as loan amount, term and interest rate input by the user; Data storage module, used to store basic information and repayment rules of loan products; The calculation engine module is used to calculate the repayment amount according to the parameters input by the user; The result display module is used to display the calculation results to the user in the form of tables or charts.

2. A dynamic pre-loan repayment calculation software and its implementation method according to claim 1, characterized in that: The user interface module includes an input box for the user to input parameters such as loan amount, repayment period and interest rate, and a calculation button for triggering the repayment trial calculation.

3. The dynamic pre-loan repayment calculation software and its implementation method according to claim 1, characterized in that: The data storage module includes a database for storing basic information and repayment rules of various loan products.

4. A dynamic pre-loan repayment calculation software and its implementation method according to claim 3, characterized in that: The database includes a user table, a loan product table and a trial calculation record table, which are used to store basic information of users, basic information of loan products and trial calculation records of users.

5. The dynamic pre-loan repayment calculation software and its implementation method according to claim 1, characterized in that: The calculation engine module calculates the repayment amount based on the repayment formula of equal principal and interest and equal principal Where M is the monthly payment, P is the principal, r is the monthly interest rate, and n is the number of repayment months. Equal principal repayment: The principal repayment is fixed each month, and the interest rate decreases every month. The formula is: (The principal portion of the first month's repayment) and I1 = P × r (interest portion of the first month), The principal remains unchanged in subsequent months, but the interest rate decreases.

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