手续费计算BigDecimal

public static BigDecimal ratecalc(BigDecimal payAmount,String payType){
		BigDecimal rate = new BigDecimal(0);//利率
		if(payType.equals("wechat")){
			rate = new BigDecimal(0.06);
		}if(payType.equals("alipay")){
			rate = new BigDecimal(0.07);
		}
	    BigDecimal interest = payAmount.multiply(rate); //相乘  
	    BigDecimal calcinterestRate = payAmount.subtract(interest); //相减
	    BigDecimal resMoney= calcinterestRate.setScale(2, BigDecimal.ROUND_HALF_UP);//四舍五入,向上取整
	    return resMoney;
	}

	    NumberFormat currency = NumberFormat.getCurrencyInstance(); //建立货币格式化引用  
	    NumberFormat percent = NumberFormat.getPercentInstance();  //建立百分比格式化引用  
	    percent.setMaximumFractionDigits(3); //百分比小数点最多3位  
	    BigDecimal loanAmount = new BigDecimal("150.48"); //贷款金额  
	    BigDecimal num = new BigDecimal("150");
	    BigDecimal interestRate = new BigDecimal("0.008"); //利率 
	    BigDecimal interest1 = loanAmount.subtract(num); //相减
	    BigDecimal interest2 = loanAmount.multiply(interestRate); //相乘  
	    System.out.println(interest1);
	    System.out.println("贷款金额:\t" + currency.format(loanAmount)); //贷款金额: ￥150.48  
	    System.out.println("利率:\t" + percent.format(interestRate));  //利率: 0.8%  
	    System.out.println("利息:\t" + currency.format(interest2)); //利息: ￥1.20