房贷计算器代码,JS代码库,德仔网

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【JS】房贷计算器
作者:白文 / 发布于2014/11/7/ 597

	public class ApplyInfo implements Serializable {
	 /**
	 *
	 */
	 private static final long serialVersionUID = 2097763525416240142L;
	
	
	 private String loanType;//贷款种类
	 private BigDecimal strikeRate;//执行年利率
	 private BigDecimal monthlyPayment;
	 private BigDecimal applyAmount; // 对应deal_admit;申请金额
	 private Integer applyTerm; // 对应deal_admit;申请月数
	
	 public void setApplyTerm(Integer applyTerm) {
	 this.applyTerm = applyTerm;
	 }
	
	 public BigDecimal getStrikeRate() {
	 return strikeRate;
	 }
	
	 public void setStrikeRate(BigDecimal strikeRate) {
	 this.strikeRate = strikeRate;
	 }
	
	 public BigDecimal getMonthlyPayment() {
	 return monthlyPayment;
	 }
	
	 public void setMonthlyPayment(BigDecimal monthlyPayment) {
	 this.monthlyPayment = monthlyPayment;
	 }
	
	 public String getLoanType() {
	 return loanType;
	 }
	
	 public void setLoanType(String loanType) {
	 this.loanType = loanType;
	 }
	
	 public BigDecimal getApplyAmount() {
	 return applyAmount;
	 }
	
	 public void setApplyAmount(BigDecimal applyAmount) {
	 this.applyAmount = applyAmount;
	 }
	
	 public Integer getApplyTerm() {
	 return applyTerm;
	 }
	
	
	}
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	/**
	* 房贷计算器
	*/
	public class HouseLoanCalculator {
	
	 /**
	 * 计算每月还款额
	 * @return 返回单位 （元）
	 */
	 public static BigDecimal getMonthRepay(ApplyInfo app){
	 if(app == null){
	 return BigDecimal.ZERO;
	 }
	 if(StringUtils.equals(app.getRepayMethod(), "01")){
	 //等额本息
	 return fixInterestCompound(app);
	 }else if(StringUtils.equals(app.getRepayMethod(), "02")){
	 //等额本金
	 return fixCapitalCompound(app);
	 }else{
	 return BigDecimal.ZERO;
	 }
	 }
	
	 /**
	 * 等额本息复利
	 * 每月月供额=〔贷款本金&times;月利率&times;(1＋月利率)＾还款月数〕&divide;〔(1＋月利率)＾还款月数-1〕
	 * @param info
	 * @return 返回单位（元）
	 */
	 private static BigDecimal fixInterestCompound(ApplyInfo info){
	 BigDecimal apply = info.getApplyAmount().multiply(new BigDecimal("10000"));//乘以10000转换成元
	 BigDecimal strikeRate = info.getStrikeRate().divide(new BigDecimal(100*12),6,BigDecimal.ROUND_HALF_UP);//月利率,四舍五入精确到6位小数
	 BigDecimal rate1 = BigDecimal.ONE.add(strikeRate);//(1＋月利率)
	 BigDecimal ratex = rate1.pow(info.getApplyTerm());//(1＋月利率)＾还款月数
	 BigDecimal temp = strikeRate.multiply(ratex);//月利率&times;(1＋月利率)＾还款月数
	 BigDecimal firstPart = apply.multiply(temp);//〔贷款本金&times;月利率&times;(1＋月利率)＾还款月数〕
	
	 BigDecimal secondPart = ratex.subtract(BigDecimal.ONE);//〔(1＋月利率)＾还款月数-1〕
	 //四舍五入保留两位小数，既精确到分
	 return firstPart.divide(secondPart,2,BigDecimal.ROUND_HALF_UP);
	 }
	 /**
	 * 等额本金复利
	 * 每月月供额=(贷款本金&divide;还款月数)+(贷款本金-已归还本金累计额)&times;月利率
	 * <H>此处返回第一个月应还款额</H> 4166.6
	 * @return 返回单位（元）
	 */
	 private static BigDecimal fixCapitalCompound(ApplyInfo info){
	 BigDecimal apply = info.getApplyAmount().multiply(new BigDecimal("10000"));//乘以10000转换成元
	 BigDecimal strikeRate = info.getStrikeRate().divide(new BigDecimal(100*12),6,BigDecimal.ROUND_HALF_UP);//月利率,四舍五入精确到6为小数
	 //金额四舍五入保留两位小数，既精确到分
	 BigDecimal avg = apply.divide(new BigDecimal(info.getApplyTerm()),2,BigDecimal.ROUND_HALF_UP);//月均本息
	 BigDecimal firstMonthInterest = apply.multiply(strikeRate);//
	 return avg.add(firstMonthInterest);
	 }
	
	// public static void main(String[] args) {
	// ApplyInfo info = new ApplyInfo();
	// info.setStrikeRate(new BigDecimal("6.55"));//利率6.55
	// info.setApplyAmount(new BigDecimal("200"));//借200万
	// info.setApplyTerm(240);//20年还完
	// info.setRepayMethod("01");
	// System.out.println("等额本息"+getMonthRepay(info).toString());
	// info.setRepayMethod("02");
	// System.out.println("等额本金"+getMonthRepay(info).toString());
	// }
	}
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