Java、显示分期还贷时间表

        对于给定的贷款额，月支付额包括偿还本金及利息。月利息是通过月利率乘以余额（剩余本金）计算出来的。
        注意：最后一次偿还后，余额可能不为0，如果不为0的话，最后一个月支付额应当是正常的月支付额加上最后的余额。
        提示：编写一个循环来打印该表，由于每个月的还款额都是相同的，因此应当在循环之间开始它。开始时，余额就是贷款总额。在循环的每次迭代中，计算利息及本金，然后更新余额。

        编写一个程序，让用户输入贷款总额年限利率，然后显示分期还贷时间表。

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package pack2;

import java.util.Scanner;

public class LoanTimetable {

	public static void main(String[] args) {
		try(Scanner input = new Scanner(System.in);) {
			System.out.print(" Loan Amount: ");
			double amount = input.nextDouble();
			
			System.out.print(" Number of Years: ");
			int year = input.nextInt();
			
			System.out.print(" Annual Interest Rate: ");
			double annualInterestRate = input.nextDouble();
			
			showLoanTimetable(amount, year, annualInterestRate);
		}
	}
	
	//显示分期还贷时间表
	public static void showLoanTimetable(double balance, int numberOfYears,
          double annualInterestRate) {
		double monthlyRate = annualInterestRate / 1200;
		double monthlyPayment = monthlyPayment(balance, monthlyRate, numberOfYears);
		System.out.printf("\n Monthly Payment: %.2f\n", monthlyPayment);
		System.out.printf(" Total Payment: %.2f\n\n", totalPayment(numberOfYears, 
                 monthlyPayment));
		
		System.out.println(" Payment#\tInterest\tPrincipal\tBalance");
		for (int i = 1; i <= numberOfYears * 12; i++) {
			double interest = monthlyRate * balance;
			double principal = monthlyPayment - interest;
			balance -= principal;
			System.out.printf(" %-6d%14.2f%17.2f\t%15.2f\n", i, interest, principal, 
                     balance);
		}
	}

	//月支付额
	public static double monthlyPayment(double amount, double rate, int year) {
		return amount * rate / (1 - 1 / Math.pow(1 + rate, year * 12));
	}
		
	//总支付额
	public static double totalPayment(int year, double monthlyPayment) {
		return monthlyPayment * 12 * year;
	}
}

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