使用java房贷月供计算

月供公式

下面是使用Java代码实现商业贷款月供计算的例子。代码中使用了公式：

月供计算代码

public class LoanCalculator {

    public static void main(String[] args) {
        // 贷款本金、贷款期限、年利率
        calculateAndPrintEMI(545143.55, 27, 4.6);
        calculateAndPrintEMI(545143.55, 27, 4.5);
        System.out.println("=====提前还贷20万=====");
        calculateAndPrintEMI(545143.55-200000, 27, 4.5);
    }

    /**
     *
     * @param loanAmount 贷款本金
     * @param loanTermYears 贷款期限（年）
     * @param interestRate 年利率(%)
     */
    private static void calculateAndPrintEMI(double loanAmount, int loanTermYears, double interestRate) {
        // 计算月利率
        double monthlyInterestRate = interestRate / (12 * 100);
        // 计算还款月数
        int numPayments = loanTermYears * 12;
        // 计算月供
        double emi = calculateEMI(loanAmount, monthlyInterestRate, numPayments);
        // 打印结果
        System.out.printf("月供（%.2f%%利率）: %.2f 元\n", interestRate, emi);
    }

    private static double calculateEMI(double loanAmount, double monthlyInterestRate, int numPayments) {
        return loanAmount * (monthlyInterestRate * Math.pow(1 + monthlyInterestRate, numPayments)) /
                (Math.pow(1 + monthlyInterestRate, numPayments) - 1);
    }
}

执行结果

月供（4.60%利率）: 2941.16 元
月供（4.50%利率）: 2909.54 元
=====提前还贷20万=====
月供（4.50%利率）: 1842.10 元