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。
每月还款额计算公式如下：
每月还款额=[贷款本金×月利率×（1+月利率）^还款月数]÷[（1+月利率）^还款月数－1]
java代码如下：
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| import java.math.BigDecimal;
public class PrincipalAndInterestEquals {
public static void main(String[] args) {
BigDecimal invest = new BigDecimal(139000);
double yearRate = 0.059;
int year = 15;
double monthRate = yearRate / 12;
int month = year * 12;
BigDecimal monthIncome = invest.multiply(new BigDecimal(monthRate * Math.pow(1 +
monthRate, month))).divide(new BigDecimal(Math.pow(1 + monthRate, month) - 1), 2,
BigDecimal.ROUND_HALF_UP);
System.out.println("每月本息金额 : " + monthIncome);
System.out.println("---------------------------------------------------");
BigDecimal monthCapital;
BigDecimal sumCapital = BigDecimal.ZERO;
for (int i = 1; i < month + 1; i++) {
monthCapital = invest.multiply(new BigDecimal(monthRate * (Math.pow((1 + monthRate),
i - 1)))).divide(new BigDecimal(Math.pow(1 + monthRate, month) - 1), 2,
BigDecimal.ROUND_HALF_UP);
System.out.println("第" + i + "月本金： " + monthCapital);
sumCapital = sumCapital.add(monthCapital);
}
System.out.println("---------------------------------------------------");
BigDecimal monthInterest;
BigDecimal capital = invest;
BigDecimal tmpCapital = BigDecimal.ZERO;
BigDecimal sumInterest = BigDecimal.ZERO;
for (int i = 1; i < month + 1; i++) {
capital = capital.subtract(tmpCapital);
monthInterest = capital.multiply(new BigDecimal(monthRate)).setScale(2, BigDecimal
.ROUND_HALF_UP);
tmpCapital = invest.multiply(new BigDecimal(monthRate * (Math.pow((1 + monthRate), i
- 1)))).divide(new BigDecimal(Math.pow(1 + monthRate, month) - 1), 2,
BigDecimal.ROUND_HALF_UP);
System.out.println("第" + i + "月利息： " + monthInterest);
sumInterest = sumInterest.add(monthInterest);
}
System.out.println("本金总和：" + sumCapital + " 利息总和：" + sumInterest);
}
}
|
