分享一段JAVA代码编写的贷款计算器

每年额外还款额:每年年冲的金额(如果没有年冲,或者是月冲,则填0)

public class MortgageCalculator {

    private static final double INITIAL_PRINCIPAL = 800000; // 初始贷款总额
    private static final double ANNUAL_RATE = 0.0285; // 年利率
    private static final int TOTAL_YEARS = 30; // 贷款总年数
    private static final double ANNUAL_EXTRA_PAYMENT = 24000; // 每年额外还款额

    // 计算等额本息还款法的每月还款额
    private static double calculateMonthlyPayment(double principal, double monthlyRate, int totalMonths) {
        double monthlyPayment = principal * monthlyRate * Math.pow(1 + monthlyRate, totalMonths) / (Math.pow(1 + monthlyRate, totalMonths) - 1);
        return monthlyPayment;
    }

    // 主方法，用于计算和打印每年的每月还款额
    public static void main(String[] args) {
        double principal = INITIAL_PRINCIPAL; // 当前贷款余额
        double monthlyRate = ANNUAL_RATE / 12; // 月利率

        // 打印每年每月的还款额
        for (int year = 1; year <= TOTAL_YEARS; year++) {
            int remainingMonths = (TOTAL_YEARS - year + 1) * 12; // 剩余月份数
            double monthlyPayment = calculateMonthlyPayment(principal, monthlyRate, remainingMonths); // 计算当年每月还款额
            System.out.printf("第%d年的每月还款额为：%.2f元\n", year, monthlyPayment);

            // 更新贷款余额（减去年冲还款和当年的月供总额）
            principal -= ANNUAL_EXTRA_PAYMENT;
            if (principal > 0) {
                principal -= monthlyPayment * 12;
            } else {
                // 如果贷款余额已经为负，则不再继续扣减月供
                principal = 0;
            }

            // 如果贷款余额为负，则停止计算
            if (principal <= 0) {
                System.out.println("贷款已提前还清。");
                break;
            }
        }
    }
}