1 背景：房贷计算器
目前现有的网页 房贷计算器，多多少少有点不符合自己需求，因此根据房贷相关公式及 java编写一个贷款计算器现有代码，改写了符合自己要求的 房贷计算器 。 计算结果精度为小数点后2位。计算结果对比于该 房贷计算器。
2 房贷相关知识
- 等额本息：每月还款一样
- 每月还款计算公式
= 贷款本金*月利率*(1+月利率)^还款月数/((1+月利率)*还款月数-1)
= 贷款本金*月利率 / (1 - 1/(月利率*(1+月利率)^还款月数) ) - 总还款计算公式 = 每月还款 * 年 * 12
- 每月还款计算公式
- 等额本金：还款数逐月递减
- 每月还款额 = 每月本金 + 每月本息
- 每月本金 = 本金 / 还款月数
- 每月本息 = (本金 - 累积还款总额)*月利率
- 总还款计算公式：
= 总月数*月本金 + 总贷款*月数*月利率 - (n-1)*n/2*月本金*月利率
= 总贷款 + 总贷款*年*年利率 - (n-1)/2*总贷款*月利率
= 总贷款(1+ 年*年利率-(月数-1)/2 *月利率)
3 代码实现
public class LoanCalculator extends JFrame {
private class ButtonListener implements ActionListener {
@Override
public void actionPerformed(ActionEvent e) {
int loanType = Integer.parseInt(jtfLoanType.getText());
double interestC = Double.parseDouble(jtfLoanRateC.getText()) / 100;
double interestAF = Double.parseDouble(jtfLoanRateAF.getText()) / 100;
int loanAmountAF = 10000 * Integer.parseInt(jtfLoanAmountAF.getText());
int year = Integer.parseInt(jtfLoanYears.getText());
double area = Double.parseDouble(jtfAreas.getText());
double pricePerSquareMeter = Double.parseDouble(jtfPricePerSquareMeter.getText());
double firstRate = Double.parseDouble(jtfHouseFirstAmountRating.getText());
double houseAmount = area * pricePerSquareMeter;
double firstAmount = firstRate * houseAmount;
double loanAmount = houseAmount - firstRate * houseAmount;
double loanAmountC = loanType == 2 ? loanAmount : loanAmount - loanAmountAF;
int allMonth = year * 12;
//计算商贷部分，纯公积金贷款时该部分为0
//房贷计算部分
double monthlyInterestC = interestC / 12;
//等额本息 : 贷款本金*月利率*(1+月利率)^还款月数/((1+月利率)*还款月数-1) = 贷款本金*月利率 / 1 - 1/(月利率*(1+月利率)^还款月数)
double monthlyPaymentC_ECT = loanAmountC * monthlyInterestC / (1 - 1 / Math.pow(1 + monthlyInterestC, allMonth));
double totalPaymentC_ECT = monthlyPaymentC_ECT * allMonth;
//等额本金
//每月还款额 = 每月本金 + 每月本息 每月本金=本金/还款月数 每月本息=(本金-累积还款总额)*月利率
double monthPrincipalAmountC_CT = loanAmountC / allMonth;
ArrayList<Double> loanListECT = new ArrayList<>(allMonth);
double monthDifferenceC_CT = monthPrincipalAmountC_CT * monthlyInterestC;
//E = 总月数*月本金 + 总贷款*月数*月利率 - (n-1)*n/2*月本金*月利率 = 总贷款 + 总贷款*年*年利率 - (n-1)/2*总贷款*月利率 = 总贷款(1+ 年*年利率-(月数-1)/2 *月利率)
double totalPaymentC_CT = loanAmountC * (1 + year * interestC - (allMonth - 1) * monthlyInterestC/ 2 );
for (int i = 0; i < allMonth; i++) {
double moneyCT = monthPrincipalAmountC_CT + (loanAmountC - i * monthPrincipalAmountC_CT) * monthlyInterestC;
loanListECT.add(moneyCT);
}
double monthlyPaymentAF_ECT = 0;
double totalPaymentAF_ECT = 0;
double monthDifferenceAF_CT = 0;
double totalPaymentAF_CT = 0;
ArrayList<Double> loanListCT = new ArrayList<>(allMonth);
//不是纯商贷时，计算公积金贷款
if (loanType != 2) {
//等额本息
double monthlyInterestAF = interestAF / 12;
monthlyPaymentAF_ECT = loanAmountAF * monthlyInterestAF / (1 - 1 / Math.pow(1 + monthlyInterestAF, allMonth));
totalPaymentAF_ECT = monthlyPaymentAF_ECT * allMonth;
//等额本金
//每月还款额 = 每月本金 + 每月本息 每月本金=本金/还款月数 每月本息=(本金-累积还款总额)*月利率
double monthPrincipalAmountAF = loanAmountAF / allMonth;
monthDifferenceAF_CT = monthPrincipalAmountAF * monthlyInterestAF;
totalPaymentAF_CT = loanAmountAF * (1 + year * interestAF - (allMonth - 1)* monthlyInterestAF / 2 );
for (int i = 0; i < allMonth; i++) {
double moneyAF = monthPrincipalAmountAF + (loanAmountAF - i * monthPrincipalAmountAF) * monthlyInterestAF;
loanListCT.add(moneyAF);
}
}
double monthlyPayment_ECT = monthlyPaymentC_ECT + monthlyPaymentAF_ECT;
double totalPayment_ECT = totalPaymentC_ECT + totalPaymentAF_ECT;
double totalPayment_CT = totalPaymentC_CT + totalPaymentAF_CT;
double monthDifference_CT = monthDifferenceC_CT + monthDifferenceAF_CT;
double monthlyPaymentProIntFirst = loanListECT.get(0) + loanListCT.get(0);
double monthlyPaymentProIntLast = loanListECT.get(loanListECT.size() - 1) + loanListCT.get(loanListECT.size() - 1);
jtfHouseAmount.setText(String.format("%.2f", houseAmount));
jtfFirstAmount.setText(String.format("%.2f", firstAmount));
jtfLoanAmount.setText(String.format("%.2f", loanAmount));
jtfCommercialLoanAmount.setText(String.format("%.2f", loanAmountC));
jtfMonthlyPaymentInterestECT.setText(String.format("%.2f", monthlyPayment_ECT));
jtfMonthlyPaymentEC.setText("" + String.format("%.2f", monthlyPaymentProIntFirst) + "|" + String.format("%.2f", monthlyPaymentProIntLast) + "|" + String.format("%.2f", monthDifference_CT));
jtfTotalPaymentECT.setText(String.format("%.2f", totalPayment_ECT));
jtfTotalPaymentEC.setText(String.format("%.2f", totalPayment_CT));
}
}
private JTextField jtfLoanType = new JTextField("1");
private JTextField jtfLoanRateC = new JTextField("4.85"); //商业贷款利率 jtfLoanRateCommercial
private JTextField jtfLoanRateAF = new JTextField("3.1"); //公积金贷款利率 jtfLoanRateAccumulationFund
private JTextField jtfLoanAmountAF = new JTextField("60"); //公积金贷款数
private JTextField jtfLoanYears = new JTextField("25");
private JTextField jtfHouseFirstAmountRating = new JTextField("0.4"); //首付
private JTextField jtfAreas = new JTextField("80");
private JTextField jtfPricePerSquareMeter = new JTextField("50000");
//待计算部分
private JTextField jtfHouseAmount = new JTextField();
private JTextField jtfFirstAmount = new JTextField();//首付
private JTextField jtfLoanAmount = new JTextField();//贷款总额
private JTextField jtfCommercialLoanAmount = new JTextField();//商业贷款总额
private JTextField jtfMonthlyPaymentInterestECT = new JTextField();//等额本息 月供 jtfMonthlyPaymentEqualityCorpusInterest
private JTextField jtfMonthlyPaymentEC = new JTextField();//等额本金月供 jtfMonthlyPaymentEqualityCorpus
private JTextField jtfTotalPaymentECT = new JTextField();//等额本息 总额
private JTextField jtfTotalPaymentEC = new JTextField();//等额本金 总额
private JButton jbtComputeLoan = new JButton("房贷计算器 Compute Payment");
public LoanCalculator() {
JPanel p1 = new JPanel(new GridLayout(16, 2));
//输入部分
p1.add(new JLabel("贷款方式 1组合贷款默认 2纯商贷 3纯公积金贷款"));
p1.add(jtfLoanType);
p1.add(new JLabel("商业贷款利率 默认4.85"));
p1.add(jtfLoanRateC);
p1.add(new JLabel("公积金贷款利率 默认3.1"));
p1.add(jtfLoanRateAF);
p1.add(new JLabel("贷款年限 默认25"));
p1.add(jtfLoanYears);
p1.add(new JLabel("首付比例 默认40%"));
p1.add(jtfHouseFirstAmountRating);
p1.add(new JLabel("公积金数 默认60W"));
p1.add(jtfLoanAmountAF);
p1.add(new JLabel("房屋面积 areas"));
p1.add(jtfAreas);
p1.add(new JLabel("房屋单价 price_per_square_meter"));
p1.add(jtfPricePerSquareMeter);
//计算部分
p1.add(new JLabel("房价总额 "));
p1.add(jtfHouseAmount);
p1.add(new JLabel("首付总额 "));
p1.add(jtfFirstAmount);
p1.add(new JLabel("贷款总额 "));
p1.add(jtfLoanAmount);
p1.add(new JLabel("商贷总额 "));
p1.add(jtfCommercialLoanAmount);
p1.add(new JLabel("月供-等额本息 每月一样"));
p1.add(jtfMonthlyPaymentInterestECT);
p1.add(new JLabel("月供-等额本金 逐月递减，格式为，首月|末月|递减"));
p1.add(jtfMonthlyPaymentEC);
p1.add(new JLabel("等额本息总还贷款 Total"));
p1.add(jtfTotalPaymentECT);
p1.add(new JLabel("等额本金总还贷款 Total"));
p1.add(jtfTotalPaymentEC);
p1.setBorder(new TitledBorder("请输入以下值："));
JPanel p2 = new JPanel(new FlowLayout(FlowLayout.RIGHT));
p2.add(jbtComputeLoan);
add(p1, BorderLayout.CENTER);
add(p2, BorderLayout.SOUTH);
jbtComputeLoan.addActionListener(new ButtonListener());
}
public static void main(String[] args) {
LoanCalculator frame = new LoanCalculator();
frame.setTitle("房贷计算器");
frame.pack();
frame.setLocationRelativeTo(null);
frame.setDefaultCloseOperation(JFrame.EXIT_ON_CLOSE);
frame.setVisible(true);
}
}
4 效果
4.1 默认值
4.2 计算结果
5 一些说明
由于二手房计算较为复杂，包括契税、个人所得税、满五唯一、房屋类型、几环贷款上限等规则，可基于本code进行自定义修改。
转载请注明转载来源。
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