package com.bingkong.utils;
import java.math.BigDecimal;
import java.math.RoundingMode;
import java.util.HashMap;
import java.util.Map;
/**
* 等额本息计算工具类
*
* <p>
* 等额本息还款,也称定期付息,即借款人每月按相等的金额偿还贷款本息,其中每月贷款利息按月初剩余贷款本金计算并逐月结清。把按揭贷款的本金总额与利息总额相加,
* 然后平均分摊到还款期限的每个月中。作为还款人,每个月还给银行固定金额,但每月还款额中的本金比重逐月递增、利息比重逐月递减。
*/
public class AverageCapitalPlusInterestUtils {
/**
* 每月偿还本金和利息
* <p>
* 公式:每月偿还本息=〔贷款本金×月利率×(1+月利率)^还款月数〕÷〔(1+月利率)^还款月数-1〕
*
* @param invest 总借款额(贷款本金,单位分)
* @param yearRate 年利率
* @param totalMonth 还款总月数
* @return 每月偿还本金和利息(入1 单位分)
*/
public static double getPerMonthPrincipalInterest(double invest, double yearRate, int totalMonth) {
double monthRate = yearRate / 12;
double perMonthPrincipalInterest = invest * (monthRate * Math.pow(1 + monthRate, totalMonth))/(Math.pow(1 + monthRate, totalMonth) - 1);
return new BigDecimal(perMonthPrincipalInterest).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue();
}
/**
* 等额本息的每月偿还利息
* <p>
* 公式:每月偿还利息=贷款本金×月利率×〔(1+月利率)^还款月数-(1+月利率)^(还款月序号-1)〕÷〔(1+月利率)^还款月数-1〕
*
* @param invest 总借款额(贷款本金,分)
* @param yearRate 年利率
* @param totalMonth 还款总月数
* @return 每月偿还利息(入1 单位分)
*/
public static Map<Integer, Double> getPerMonthInterest(double invest, double yearRate, int totalMonth) {
Map<Integer, Double> map = new HashMap<>();
double monthRate = yearRate / 12;
double monthInterest;
for (int i = 1; i < totalMonth + 1; i++) {
double multiply = invest * monthRate;
double sub = Math.pow(1 + monthRate, totalMonth) - Math.pow(1 + monthRate, i - 1);
monthInterest = multiply * sub/(Math.pow(1 + monthRate, totalMonth) - 1);
map.put(i, new BigDecimal(monthInterest).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue());
}
return map;
}
/**
* 等额本息的每月偿还本金(月还本息-月还利息)
*
* @param invest 总借款额(贷款本金,分)
* @param yearRate 年利率
* @param totalMonth 还款总月数
* @return 每月偿还本金(取整舍 单位分)
*/
public static Map<Integer, Double> getPerMonthPrincipal(double invest, double yearRate, int totalMonth) {
double monthRate = yearRate / 12;
double monthIncome = invest * monthRate * Math.pow(1 + monthRate, totalMonth)
/(Math.pow(1 + monthRate, totalMonth) - 1);
double perMonthPrincipalInterest = new BigDecimal(monthIncome).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue();
Map<Integer, Double> mapPrincipal = new HashMap<>();
double monthInterest;
for (int i = 1; i < totalMonth + 1; i++) {
Double multiply = invest * monthRate;
double sub = (Math.pow(1 + monthRate, totalMonth)) - (Math.pow(1 + monthRate, i - 1));
monthInterest = multiply* sub/(Math.pow(1 + monthRate, totalMonth) - 1);
double monthInterestL = new BigDecimal(monthInterest).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue();
// System.out.println("===perMonthPrincipalInterest===="+perMonthPrincipalInterest);
// System.out.println("===monthInterestL===="+monthInterestL);
// System.out.println("===perMonthPrincipalInterest-monthInterestL===="+(perMonthPrincipalInterest-monthInterestL));
// System.out.println("===perMonthPrincipalInterest-monthInterestL===="+ new BigDecimal(perMonthPrincipalInterest).subtract(new BigDecimal(monthInterestL)).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue());
// mapPrincipal.put(i, perMonthPrincipalInterest-monthInterestL);
mapPrincipal.put(i, new BigDecimal(perMonthPrincipalInterest).subtract(new BigDecimal(monthInterestL)).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue());
}
return mapPrincipal;
}
/**
* 等额本息的总利息
*
* @param invest 总借款额(贷款本金)
* @param yearRate 年利率
* @param totalMonth 还款总月数
* @return 总利息 (单位分)
*/
public static double getInterestCount(double invest, double yearRate, int totalMonth) {
double count = 0;
Map<Integer, Double> mapInterest = getPerMonthInterest(invest, yearRate, totalMonth);
for (Map.Entry<Integer, Double> entry : mapInterest.entrySet()) {
count = new BigDecimal(count).add(new BigDecimal(entry.getValue())).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue();
}
return count;
}
public static void main(String[] args) {
double invest = 186665.60; // 本金
int month = 24;
double yearRate = 0.038; // 年利率
Double perMonthPrincipalInterest = getPerMonthPrincipalInterest(invest, yearRate, month);
System.out.println("等额本息---每月还款本息:" + perMonthPrincipalInterest);
Map<Integer, Double> mapInterest = getPerMonthInterest(invest, yearRate, month);
System.out.println("等额本息---每月还款利息:" + mapInterest);
Map<Integer, Double> mapPrincipal = getPerMonthPrincipal(invest, yearRate, month);
System.out.println("等额本息---每月还款本金:" + mapPrincipal);
Double count = getInterestCount(invest, yearRate, month);
System.out.println("等额本息---总利息:" + count);
for(int i=1;i<month + 1;i++){
if(i<month){
System.out.println("等额本息---"+i+"月还款本金:" + mapPrincipal.get(i) + ",还款利息:" + mapInterest.get(i));
//invest = invest - mapPrincipal.get(i);
invest = new BigDecimal(invest).subtract(new BigDecimal(mapPrincipal.get(i))).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue();
} else {
// System.out.println("等额本息---"+i+"月还款本金:" +invest + ",还款利息:" + (perMonthPrincipalInterest - invest));
System.out.println("等额本息---"+i+"月还款本金:" +invest + ",还款利息:" + (new BigDecimal(perMonthPrincipalInterest).subtract(new BigDecimal(invest)).setScale(2, BigDecimal.ROUND_HALF_UP).doubleValue()));
}
}
}
}
java实现等额本息算法
于 2022-10-25 10:59:22 首次发布