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一般信用貸款會提供兩種還款方式：每月等額或者先息后本。每月等額，就是每月歸還等同的部分本金和利息，你手里在使用的本金其實是逐月減少的。先息后本就是先還利息，到期歸還本金。
每月等額
import java.math.BigDecimal;
import java.util.Calendar;
import java.util.Date;
/**
* <p>Title: 等額本息還款工具類</p>
*
*/
public class CPMUtils{
/**
* <p>Description: 每月還款總額。〔貸款本金×月利率×（1＋月利率）＾還款月數〕÷〔（1＋月利率）＾還款月數－1〕</p>
* @param principal 貸款本金
* @param monthlyInterestRate 月利率
* @param amount 期數
* @return
*/
public static BigDecimal monthlyRepayment(BigDecimal principal, BigDecimal monthlyInterestRate, int amount){
//（1＋月利率）＾還款月數
BigDecimal temp = monthlyInterestRate.add(MoneyUtils.ONE).pow(amount);
return principal.multiply(monthlyInterestRate)
.multiply(temp)
.divide(temp.subtract(MoneyUtils.ONE), MoneyUtils.MATHCONTEXT);
}
/**
* <p>Description: 月還款利息。（貸款本金×月利率-月還款額）*（1+月利率)^（當前期數-1）+月還款額</p>
* @param principal 貸款本金
* @param monthlyInterestRate 月利率
* @param monthlyRepayment 月還款額
* @param number 當前期數
* @return
*/
public static BigDecimal monthlyInterest(BigDecimal principal, BigDecimal monthlyInterestRate, BigDecimal monthlyRepayment, int number){
//（1+月利率)^（當前期數-1）
BigDecimal temp = monthlyInterestRate.add(MoneyUtils.ONE).pow(number - 1);
return principal.multiply(monthlyInterestRate)
.subtract(monthlyRepayment)
.multiply(temp).add(monthlyRepayment, MoneyUtils.MATHCONTEXT);
}
/**
* <p>Description: 還款總利息。期數×貸款本金×月利率×（1＋月利率）^期數÷〔（1＋月利率）^期數－1〕－貸款本金 </p>
* @param principal 貸款本金
* @param monthlyInterestRate 月利率
* @param amount 還款期數
* @return
*/
public static BigDecimal interest(BigDecimal principal, BigDecimal monthlyInterestRate, int amount){
//（1＋月利率）^期數
BigDecimal temp = monthlyInterestRate.add(MoneyUtils.ONE).pow(amount);
return new BigDecimal(amount)
.multiply(principal)
.multiply(monthlyInterestRate)
.multiply(temp)
.divide(temp.subtract(MoneyUtils.ONE), MoneyUtils.MATHCONTEXT)
.subtract(principal, MoneyUtils.MATHCONTEXT);
}
/**
* <p>Description: 月還款本金。已經精確到分位，未做單位換算</p>
* @param principal 貸款本金
* @param monthlyInterestRate 月利率
* @param monthlyRepayment 月還款額
* @param number 當前期數
* @return
*/
public static BigDecimal monthlyPrincipal(BigDecimal principal, BigDecimal monthlyInterestRate, BigDecimal monthlyRepayment, int number){
BigDecimal monthInterest = monthlyInterest(principal, monthlyInterestRate, monthlyRepayment, number);
//月還款額-月還款利息
return monthlyRepayment.subtract(monthInterest).setScale(MoneyUtils.MONEYSHOWSCALE, MoneyUtils.SAVEROUNDINGMODE);
}
/**
* <p>Description: 月還款本金。已經精確到分位，未做單位換算</p>
* @param monthRepayment 月還款總額
* @param monthInterest 月還款利息
* @return
*/
public static BigDecimal monthPrincipal(BigDecimal monthRepayment, BigDecimal monthInterest){
//月還款總額-月還款利息
return monthRepayment.subtract(monthInterest).setScale(MoneyUtils.MONEYSHOWSCALE, MoneyUtils.SAVEROUNDINGMODE);
}
}
先息后本
import java.math.BigDecimal;
/**
* <p>Title: 先息后本還款方式工具類型</p>
*/
public class BIAPPUtils extends RepaymentUtils {
/**
* <p>Description: 月還款利息 貸款本金×月利率 </p>
* @param loan 貸款本金
* @param monthlyInterestRate 月利率
* @return
*/
public static BigDecimal monthlyInterest(BigDecimal loan, BigDecimal monthlyInterestRate){
return loan.multiply(monthlyInterestRate, MoneyUtils.MATHCONTEXT);
}
/**
* <p>Description: 還款總利息 貸款本金×月利率×期數</p>
* @param loan 貸款本金
* @param monthlyInterestRate 月利率
* @param number 期數
* @return
*/
public static BigDecimal interest(BigDecimal loan, BigDecimal monthlyInterestRate, int number){
return loan.multiply(monthlyInterestRate).multiply(new BigDecimal(number), MoneyUtils.MATHCONTEXT);
}
/**
* <p>Description: 月還款額</p>
* @param loan 貸款本金
* @param monthlyInterestRate 月利率
* @param amount 期數
* @param curNumber 當前期數
* @return
*/
public static BigDecimal monthlyRepayment(BigDecimal loan, BigDecimal monthlyInterestRate, int amount, int curNumber){
BigDecimal monthlyInterest = monthlyInterest(loan, monthlyInterestRate);
if(amount == curNumber){
return monthlyInterest.add(loan, MoneyUtils.MATHCONTEXT);//最后月還款額
}else{
return monthlyInterest;
}
}
}
*金額計算工具類
import java.math.BigDecimal;
import java.math.MathContext;
import java.math.RoundingMode;
import java.text.NumberFormat;
public class MoneyUtils {
/**
* 標度（小數位數）
*/
public static final int SCALE = 10;
/**
* 金錢顯示標度（小數位數）
*/
public static final int MONEYSHOWSCALE = 2;
/**
* 利率顯示標度（小數位數）
*/
public static final int INTERESTRATESHOWSCALE = 4;
/**
* 精度
*/
public static final int PRECISION = 30;
/**
* 保存舍入規則
*/
public static final RoundingMode SAVEROUNDINGMODE = RoundingMode.HALF_UP;
/**
* 是否舍去小數點最后的零
*/
public static boolean STRIPTRAILINGZEROS = true;
/**
* 運算上下文（設置精度、舍入規則）
*/
public static final MathContext MATHCONTEXT = new MathContext(PRECISION, SAVEROUNDINGMODE);
/**
* 每年天數
*/
public static final String YEARDAYS = "360";
/**
* 每年月數
*/
public static final String YEARMOTHS = "12";
/**
* 每月天數
*/
public static final String MOTHDAYS = "30";
/**
* 數字“1”
*/
public static final BigDecimal ONE = new BigDecimal(1);
/**
* 數字“100”
*/
public static final BigDecimal HUNDRED = new BigDecimal(100);
/**
* 數字“0.01”
*/
public static final BigDecimal ONEHUNDREDTH = new BigDecimal(0.01);
public static BigDecimal newBigDecimal(String str){
return (str == null || str.trim().isEmpty()) ? BigDecimal.ZERO : new BigDecimal(str);
}
/**
* <p>Description: 加法返回格式化結果數字</p>
* @param addend
* @param augend
* @return
*/
public static BigDecimal add(BigDecimal addend, BigDecimal augend){
return formatMoney(addend.add(augend, MATHCONTEXT));
}
/**
* <p>Description: 加法返回格式化結果數字</p>
* @param addend
* @param augend
* @return
*/
public static BigDecimal add(String addend, String augend){
BigDecimal decimalAddend = newBigDecimal(addend);
BigDecimal decimalAugend = newBigDecimal(augend);
return formatMoney(decimalAddend.add(decimalAugend, MATHCONTEXT));
}
/**
* <p>Description: 加法返回格式化結果字符串</p>
* @param addend
* @param augend
* @return
*/
public static String addToString(BigDecimal addend, BigDecimal augend){
return formatToString(addend.add(augend, MATHCONTEXT));
}
/**
* <p>Description: 加法返回格式化結果字符串</p>
* @param addend
* @param augend
* @return
*/
public static String addToString(String addend, String augend){
BigDecimal decimalAddend = newBigDecimal(addend);
BigDecimal decimalAugend = newBigDecimal(augend);
return formatToString(decimalAddend.add(decimalAugend, MATHCONTEXT));
}
/**
* <p>Description: 減法返回格式化結果數字</p>
* @param minuend
* @param subtrahend
* @return
*/
public static BigDecimal subtract(BigDecimal minuend, BigDecimal subtrahend){
return formatMoney(minuend.subtract(subtrahend, MATHCONTEXT));
}
/**
* <p>Description: 減法返回格式化結果數字</p>
* @param minuend
* @param subtrahend
* @return
*/
public static BigDecimal subtract(String minuend, String subtrahend){
BigDecimal decimalMinuend = newBigDecimal(minuend);
BigDecimal decimalSubtrahend = newBigDecimal(subtrahend);
return formatMoney(decimalMinuend.subtract(decimalSubtrahend, MATHCONTEXT));
}
/**
* <p>Description: 減法返回格式化結果字符串</p>
* @param minuend
* @param subtrahend
* @return
*/
public static String subtractToString(BigDecimal minuend, BigDecimal subtrahend){
return formatToString(minuend.subtract(subtrahend, MATHCONTEXT));
}
/**
* <p>Description: 減法返回格式化結果字符串</p>
* @param minuend
* @param subtrahend
* @return
*/
public static String subtractToString(String minuend, String subtrahend){
BigDecimal decimalMinuend = newBigDecimal(minuend);
BigDecimal decimalSubtrahend = newBigDecimal(subtrahend);
return formatToString(decimalMinuend.subtract(decimalSubtrahend, MATHCONTEXT));
}
/**
* <p>Description: 乘法返回格式化結果數字</p>
* @param multiplier
* @param multiplicand
* @return
*/
public static BigDecimal multiply(BigDecimal multiplier, BigDecimal multiplicand){
return formatMoney(multiplier.multiply(multiplicand, MATHCONTEXT));
}
/**
* <p>Description: 乘法返回格式化結果數字</p>
* @param multiplier
* @param multiplicand
* @return
*/
public static BigDecimal multiply(String multiplier, String multiplicand){
BigDecimal decimalMultiplier = newBigDecimal(multiplier);
BigDecimal decimalMultiplicand = newBigDecimal(multiplicand);
return formatMoney(decimalMultiplier.multiply(decimalMultiplicand, MATHCONTEXT));
}
/**
* <p>Description: 乘法返回格式化結果字符串</p>
* @param multiplier
* @param multiplicand
* @return
*/
public static String multiplyToString(BigDecimal multiplier, BigDecimal multiplicand){
return formatToString(multiplier.multiply(multiplicand, MATHCONTEXT));
}
/**
* <p>Description: 乘法返回格式化結果字符串</p>
* @param multiplier
* @param multiplicand
* @return
*/
public static String multiplyToString(String multiplier, String multiplicand){
BigDecimal decimalMultiplier = newBigDecimal(multiplier);
BigDecimal decimalMultiplicand = newBigDecimal(multiplicand);
return formatToString(decimalMultiplier.multiply(decimalMultiplicand, MATHCONTEXT));
}
/**
* <p>Description: 除法返回格式化結果數字</p>
* @param dividend
* @param divisor
* @return
*/
public static BigDecimal divide(BigDecimal dividend, BigDecimal divisor){
return formatMoney(dividend.divide(divisor, MATHCONTEXT));
}
/**
* <p>Description: 除法返回格式化結果數字</p>
* @param dividend
* @param divisor
* @return
*/
public static BigDecimal divide(String dividend, String divisor){
BigDecimal decimalDividend = newBigDecimal(dividend);
BigDecimal decimalDivisor = newBigDecimal(divisor);
return formatMoney(decimalDividend.divide(decimalDivisor, MATHCONTEXT));
}
/**
* <p>Description: 除法返回格式化結果字符串</p>
* @param dividend
* @param divisor
* @return
*/
public static String divideToString(BigDecimal dividend, BigDecimal divisor){
return formatToString(dividend.divide(divisor, MATHCONTEXT));
}
/**
* <p>Description: 除法返回格式化結果字符串</p>
* @param dividend
* @param divisor
* @return
*/
public static String divideToString(String dividend, String divisor){
BigDecimal decimalDividend = newBigDecimal(dividend);
BigDecimal decimalDivisor = newBigDecimal(divisor);
return formatToString(decimalDividend.divide(decimalDivisor, MATHCONTEXT));
}
/**
* <p>Description: 月利率計算</p>
* @param yearInterestRate
* @return
*/
public static BigDecimal monthInterestRate(BigDecimal yearInterestRate){
BigDecimal dayInterestRate = MoneyUtils.divide(yearInterestRate, YEARDAYS).setScale(5, RoundingMode.CEILING);
System.err.println(dayInterestRate);
BigDecimal monthInterestRate = dayInterestRate.multiply(newBigDecimal(MOTHDAYS));
System.err.println(monthInterestRate);
return monthInterestRate;
}
/**
* <p>Description: 按既定小數位數格式化金額保存</p>
* @param result
* @return
*/
public static BigDecimal formatMoney(BigDecimal result){
return result.setScale(SCALE, SAVEROUNDINGMODE);
}
/**
* <p>Description: 按既定小數位數格式化金額顯示</p>
* @param resultStr 要格式化的數
* @param multiple 乘以的倍數
* @return
*/
public static String formatMoneyToShow(String resultStr, BigDecimal multiple){
BigDecimal result = newBigDecimal(resultStr);
return MoneyUtils.formatToString(MoneyUtils.formatMoneyToShow(result, multiple));
}
/**
* <p>Description: 按既定小數位數格式化金額顯示</p>
* @param result 要格式化的數
* @param multiple 乘以的倍數
* @return
*/
public static BigDecimal formatMoneyToShow(BigDecimal result, BigDecimal multiple){
return result.multiply(multiple).setScale(MONEYSHOWSCALE, SAVEROUNDINGMODE);
}
/**
* <p>Description: 按既定小數位數格式化利率顯示</p>
* @param result 要格式化的數
* @param multiple 乘以的倍數
* @return
*/
public static BigDecimal formatInterestRateToShow(BigDecimal result, BigDecimal multiple){
return result.multiply(multiple).setScale(INTERESTRATESHOWSCALE, SAVEROUNDINGMODE);
}
/**
* <p>Description: 按既定小數位數格式化顯示</p>
* @param result 要格式化的數
* @param scale 顯示標度（小數位數）
* @return
*/
public static BigDecimal formatToShow(BigDecimal result, int scale){
return result.setScale(scale, SAVEROUNDINGMODE);
}
/**
* <p>Description: 格式化為字符串，進行去零不去零操作</p>
* @param result
* @return
*/
public static String formatToString(BigDecimal result){
if(result == null){
return "";
}else{
return STRIPTRAILINGZEROS ? result.stripTrailingZeros().toPlainString() : result.toPlainString();
}
}
/**
* <p>Description: 按既定小數位數格式化為貨幣格式</p>
* @param result
* @return
*/
public static String formatToCurrency(BigDecimal result){
BigDecimal temp = result.divide(HUNDRED, SAVEROUNDINGMODE);
NumberFormat numberFormat = NumberFormat.getCurrencyInstance();
return numberFormat.format(STRIPTRAILINGZEROS ? temp.stripTrailingZeros() : temp);
}
public static String formatToPercent(BigDecimal result){
BigDecimal temp = result.divide(HUNDRED, SAVEROUNDINGMODE);
NumberFormat numberFormat = NumberFormat.getPercentInstance();
return numberFormat.format(STRIPTRAILINGZEROS ? temp.stripTrailingZeros() : temp);
}
/**
* <p>Description:格式化數字為千分位顯示； </p>
* @param text
* @return
*/
public static String fmtMicrometer(String text){
DecimalFormat df = null;
if(text.indexOf(".") > 0) {
if(text.length() - text.indexOf(".")-1 == 0){
df = new DecimalFormat("###,##0.");
}else if(text.length() - text.indexOf(".")-1 == 1){
df = new DecimalFormat("###,##0.0");
}else {
df = new DecimalFormat("###,##0.00");
}
}else{
df = new DecimalFormat("###,##0.00");
}
double number = 0.0;
try {
number = Double.parseDouble(text);
} catch (Exception e) {
number = 0.0;
}
return df.format(number);
}
}
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