feat(listing): 展示保险后预计到手价

backend/internal/modules/rentergrowth/growth.go

@@ -288,7 +288,7 @@ func awardOrderSide(tx *gorm.DB, order *model.RentalOrder, cfg Config, role stri
 		setOrderPointsSnapshot(order, role, existing.BasisAmountCent, existing.PointsPerYuan, existing.PointsMultiplierBps, existing.Points, existing.CreatedAt)
 		return nil
 	}
-	if err != nil && !errors.Is(err, gorm.ErrRecordNotFound) {
+	if !errors.Is(err, gorm.ErrRecordNotFound) {
 		return err
 	}
 	if role == "renter" {

frontend/src/features/seller/composables/usePublishForm.ts

@@ -37,7 +37,12 @@ import {
 } from '@/features/seller/composables/usePublishDraft'
 import type { PublishForm } from '@/shared/types/publish'
 import { yuanToCent } from '@/shared/utils/money'
-import { dailyLossOptions, formatNumber, roundRatio } from '@/shared/utils/pricing'
+import {
+  calculateInsuranceFeeAmount,
+  dailyLossOptions,
+  formatNumber,
+  roundRatio,
+} from '@/shared/utils/pricing'
 import { useDistributionSiteStore } from '@/stores/distributionSite'
 
 const draftSaveDelay = 400
@@ -113,6 +118,14 @@ export function usePublishForm(options: UsePublishFormOptions) {
     receiveCostDelta,
     isQualityOwner,
   })
+  const calculatedInsuranceFee = computed(() =>
+    form.compensation_plan === 'insurance'
+      ? calculateInsuranceFeeAmount(pricing.calculatedSellerPrice.value, insuranceFeeBps.value)
+      : 0
+  )
+  const calculatedTakeHomePrice = computed(() =>
+    Math.max(pricing.calculatedSellerPrice.value - calculatedInsuranceFee.value, 0)
+  )
   const qualityOwnerSaleRatioSelected = computed(
     () =>
       isQualityOwner.value &&
@@ -1033,6 +1046,8 @@ export function usePublishForm(options: UsePublishFormOptions) {
     isQualityOwnerExclusiveRatioActive,
     insuranceFeeBps,
     insuranceFeePercent,
+    calculatedInsuranceFee,
+    calculatedTakeHomePrice,
     virtualAssetSaleAgreementChecked,
     sellerAgreementChecked,
     passwordAndDeviceConfirmed,

frontend/src/features/seller/views/MobileSellerListingCreateView.css

@@ -1109,6 +1109,56 @@
   background: #faf5ff;
 }
 
+.take-home-preview {
+  display: grid;
+  grid-template-columns: repeat(2, minmax(0, 1fr));
+  gap: 1px;
+  overflow: hidden;
+  border: 1px solid #e5e7eb;
+  border-radius: 8px;
+  background: #e5e7eb;
+}
+
+.take-home-preview > div {
+  display: grid;
+  align-content: center;
+  gap: 4px;
+  min-width: 0;
+  padding: 10px;
+  background: #fff;
+}
+
+.take-home-preview span {
+  color: #858c96;
+  font-size: 10px;
+  line-height: 1.4;
+}
+
+.take-home-preview strong {
+  overflow-wrap: anywhere;
+  color: #20242a;
+  font-size: 15px;
+  font-weight: 800;
+}
+
+.take-home-preview strong.is-deduction {
+  color: #c2410c;
+}
+
+.take-home-preview .take-home-net {
+  grid-column: 1 / -1;
+  background: #fff7ed;
+}
+
+.take-home-preview .take-home-net span {
+  color: #9a3412;
+}
+
+.take-home-preview .take-home-net strong {
+  color: #f97316;
+  font-size: 19px;
+}
+
 .coverage-note {
   margin: 0;
   color: #858c96;

frontend/src/features/seller/views/MobileSellerListingCreateView.vue

@@ -34,6 +34,8 @@ const {
   qualityOwnerSaleRatio,
   minAcceleratedSaleRatio,
   insuranceFeePercent,
+  calculatedInsuranceFee,
+  calculatedTakeHomePrice,
   showBanRecordRiskHint,
   unlockDemulanEnabled,
   nextSeasonPassEnabled,
@@ -937,6 +939,32 @@ const screenshotGuides: Record<string, string> = {
               </em>
             </button>
           </div>
+          <div
+            class="take-home-preview"
+            :class="{ 'has-insurance': form.compensation_plan === 'insurance' }"
+          >
+            <div>
+              <span>卖家发布价格</span>
+              <strong>¥{{ formatMoney(calculatedSellerPrice) }}</strong>
+            </div>
+            <div>
+              <span v-if="form.compensation_plan === 'insurance'">
+                无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）
+              </span>
+              <span v-else>普通赔付</span>
+              <strong :class="{ 'is-deduction': form.compensation_plan === 'insurance' }">
+                {{
+                  form.compensation_plan === 'insurance'
+                    ? `-¥${formatMoney(calculatedInsuranceFee)}`
+                    : '¥0.0'
+                }}
+              </strong>
+            </div>
+            <div class="take-home-net">
+              <span>预计到手价格</span>
+              <strong>¥{{ formatMoney(calculatedTakeHomePrice) }}</strong>
+            </div>
+          </div>
           <p class="coverage-note">
             无忧租号保险在普通赔付基础上增加账号市场价值保障，服务费按实际到手租金扣除。
           </p>

frontend/src/features/seller/views/SellerListingCreateView.css

@@ -923,6 +923,10 @@
   text-align: right;
 }
 
+.summary-breakdown strong.is-deduction {
+  color: #c2410c;
+}
+
 .summary-list {
   display: grid;
   gap: 8px;
@@ -1256,6 +1260,56 @@
   box-shadow: 0 0 0 1px rgba(124, 58, 237, 0.08);
 }
 
+.take-home-preview {
+  display: grid;
+  grid-template-columns: repeat(3, minmax(0, 1fr));
+  gap: 1px;
+  overflow: hidden;
+  border: 1px solid #e5e7eb;
+  border-radius: 9px;
+  background: #e5e7eb;
+}
+
+.take-home-preview > div {
+  display: grid;
+  align-content: center;
+  gap: 6px;
+  min-width: 0;
+  padding: 12px 14px;
+  background: #fff;
+}
+
+.take-home-preview span {
+  color: #6b7280;
+  font-size: 11px;
+  font-weight: 700;
+  line-height: 1.45;
+}
+
+.take-home-preview strong {
+  overflow-wrap: anywhere;
+  color: #1f2937;
+  font-size: 17px;
+  font-weight: 900;
+}
+
+.take-home-preview strong.is-deduction {
+  color: #c2410c;
+}
+
+.take-home-preview .take-home-net {
+  background: #fff7ed;
+}
+
+.take-home-preview .take-home-net span {
+  color: #9a3412;
+}
+
+.take-home-preview .take-home-net strong {
+  color: var(--color-orange-primary);
+  font-size: 21px;
+}
+
 .coverage-note {
   margin: 0;
   color: #7b8492;
@@ -1350,4 +1404,12 @@
   .coverage-option-grid {
     grid-template-columns: 1fr;
   }
+
+  .take-home-preview {
+    grid-template-columns: repeat(2, minmax(0, 1fr));
+  }
+
+  .take-home-preview .take-home-net {
+    grid-column: 1 / -1;
+  }
 }

frontend/src/features/seller/views/SellerListingCreateView.vue

@@ -33,6 +33,8 @@ const {
   qualityOwnerSaleRatio,
   minAcceleratedSaleRatio,
   insuranceFeePercent,
+  calculatedInsuranceFee,
+  calculatedTakeHomePrice,
   virtualAssetSaleAgreementChecked,
   sellerAgreementChecked,
   passwordAndDeviceConfirmed,
@@ -766,6 +768,32 @@ function selectDailyLoss(value: string | number) {
                 </em>
               </button>
             </div>
+            <div
+              class="take-home-preview"
+              :class="{ 'has-insurance': form.compensation_plan === 'insurance' }"
+            >
+              <div>
+                <span>卖家发布价格</span>
+                <strong>¥{{ formatMoney(calculatedSellerPrice) }}</strong>
+              </div>
+              <div>
+                <span v-if="form.compensation_plan === 'insurance'">
+                  无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）
+                </span>
+                <span v-else>普通赔付</span>
+                <strong :class="{ 'is-deduction': form.compensation_plan === 'insurance' }">
+                  {{
+                    form.compensation_plan === 'insurance'
+                      ? `-¥${formatMoney(calculatedInsuranceFee)}`
+                      : '¥0.0'
+                  }}
+                </strong>
+              </div>
+              <div class="take-home-net">
+                <span>预计到手价格</span>
+                <strong>¥{{ formatMoney(calculatedTakeHomePrice) }}</strong>
+              </div>
+            </div>
             <p class="coverage-note">
               普通赔付覆盖封禁、追回、洗号等情况；无忧租号保险在此基础上增加账号市场价值保障。
             </p>
@@ -786,13 +814,17 @@ function selectDailyLoss(value: string | number) {
       <aside class="summary-column">
         <div class="summary-panel">
           <div class="summary-main">
-            <span>卖家发布价格</span>
+            <span>预计到手价格</span>
             <strong>{{
-              calculatedSellerPrice ? `¥${formatMoney(calculatedSellerPrice)}` : '--'
+              calculatedTakeHomePrice ? `¥${formatMoney(calculatedTakeHomePrice)}` : '--'
             }}</strong>
           </div>
           <div class="summary-breakdown">
             <div class="summary-breakdown-title">价格明细</div>
+            <div>
+              <span>卖家发布价格</span>
+              <strong>¥{{ formatMoney(calculatedSellerPrice) }}</strong>
+            </div>
             <div>
               <span>纯币价格</span>
               <strong>{{
@@ -803,6 +835,10 @@ function selectDailyLoss(value: string | number) {
               <span>额外物品价格</span>
               <strong>¥{{ formatMoney(calculatedConsumablePrice) }}</strong>
             </div>
+            <div v-if="form.compensation_plan === 'insurance'">
+              <span>无忧租号保险（{{ insuranceFeePercent.toFixed(1) }}%）</span>
+              <strong class="is-deduction">-¥{{ formatMoney(calculatedInsuranceFee) }}</strong>
+            </div>
             <div>
               <span>押金价格</span>
               <strong>{{

frontend/src/shared/utils/__tests__/pricing.spec.ts

@@ -0,0 +1,21 @@
+import { describe, expect, it } from 'vitest'
+
+import { calculateInsuranceFeeAmount } from '../pricing'
+
+describe('calculateInsuranceFeeAmount', () => {
+  it('普通赔付不收取保险服务费', () => {
+    expect(calculateInsuranceFeeAmount(238.1, 0)).toBe(0)
+  })
+
+  it('按普通保险费率计算并四舍五入到分', () => {
+    expect(calculateInsuranceFeeAmount(238.1, 800)).toBe(19.05)
+  })
+
+  it('按极品专区专享费率计算', () => {
+    expect(calculateInsuranceFeeAmount(238.1, 400)).toBe(9.52)
+  })
+
+  it('保险服务费不超过卖家租金', () => {
+    expect(calculateInsuranceFeeAmount(1, 10_000)).toBe(1)
+  })
+})

frontend/src/shared/utils/pricing.ts

@@ -26,6 +26,13 @@ export function roundMoney(value: number) {
   return Math.round(value * 10) / 10
 }
 
+export function calculateInsuranceFeeAmount(ownerIncomeYuan: number, feeBps: number) {
+  const ownerIncomeCent = Math.max(Math.round(Number(ownerIncomeYuan || 0) * 100), 0)
+  const safeFeeBps = Math.max(Math.round(Number(feeBps || 0)), 0)
+  if (ownerIncomeCent <= 0 || safeFeeBps <= 0) return 0
+  return Math.min(Math.round((ownerIncomeCent * safeFeeBps) / 10_000), ownerIncomeCent) / 100
+}
+
 /**
  * 将比例四舍五入到一位小数
  */