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本文链接:https://blog.csdn.net/qq_32534855/article/details/101012091
等额本金
/**
* 计算等额本金还款
*
* @param principal 贷款总额
* @param months 贷款期限
* @param rate 贷款利率
* @return
*/
public static Kv calculateEqualPrincipal(double principal, int months, double rate) {
Kv kv = Kv.create();
double monthRate = rate / (100 * 12);//月利率
double prePrincipal = principal / months;//每月还款本金
double firstMonth = prePrincipal + principal * monthRate;//第一个月还款金额
double decreaseMonth = prePrincipal * monthRate;//每月利息递减
double interest = (months + 1) * principal * monthRate / 2;//还款总利息
double totalMoney = principal + interest;//还款总额
kv.put("totalMoney",format(totalMoney));//还款总额
kv.put("principal",format(principal));//贷款总额
kv.put("interest",format(interest));//还款总利息
kv.put("firstMonth",format(firstMonth*10000));//首月还款金额
kv.put("decreaseMonth",format(decreaseMonth*10000));//每月递减利息
kv.put("months",months);//还款期限
return kv;
}
等额本金
/**
* 计算等额本息还款
*
* @param principal 贷款总额
* @param months 贷款期限
* @param rate 贷款利率
* @return
*/
public static Kv calculateEqualPrincipalAndInterest(double principal, int months, double rate) {
Kv kv = Kv.create();
double monthRate = rate / (100 * 12);//月利率
double preLoan = (principal * monthRate * Math.pow((1 + monthRate), months)) / (Math.pow((1 + monthRate), months) - 1);//每月还款金额
double totalMoney = preLoan * months;//还款总额
double interest = totalMoney - principal;//还款总利息
kv.put("totalMoney",format(totalMoney));//还款总额
kv.put("principal",format(principal));//贷款总额
kv.put("interest",format(interest));//还款总利息
kv.put("preLoan",format(preLoan*10000));//每月还款金额
kv.put("months",months);//还款期限
return kv;
}