投资理财,等额本息计算方式
以下按照10000元,以年利率15.5%,投资期限为6个月,以等额本息方式偿还来计算
/** * 等额本息计算 */public class PrincipalAndInterestEquals { public static void main(String[] args) { double invest = 10000; //贷款本金 double yearRate = 0.155; //年利率 double monthRate = yearRate/12; //月利率// int year = 15; //还款年数 int month = 6; //还款月数 System.out.println('本金-->'+invest+' 年利率--->'+yearRate*100+'%'+' 期限--->'+month+'个月'); System.out.println('--------------------------------------------'); // 每月本息金额 = (本金×月利率×(1+月利率)^还款月数)÷ ((1+月利率)^还款月数-1)) double monthIncome = (invest* monthRate * Math.pow(1+monthRate,month))/(Math.pow(1+monthRate,month)-1); System.out.println('每月本息金额 : ' + monthIncome); System.out.println('---------------------------------------------------'); // 每月本金 = 本金×月利率×(1+月利率)^(还款月序号-1)÷((1+月利率)^还款月数-1)) double monthCapital = 0; for(int i=1;i<>1;i++){ monthCapital = (invest* monthRate * (Math.pow((1+monthRate),i-1)))/(Math.pow(1+monthRate,month)-1); System.out.println('第' + i + '月本金: ' + monthCapital); } System.out.println('---------------------------------------------------'); // 每月利息 = 剩余本金 x 贷款月利率 double monthInterest = 0; double capital = invest; double tmpCapital = 0; double totalInterest = 0; for(int i=1;i<>1;i++){ capital = capital - tmpCapital; monthInterest = capital * monthRate; tmpCapital = (invest* monthRate * (Math.pow((1+monthRate),i-1)))/(Math.pow(1+monthRate,month)-1); System.out.println('第' + i + '月利息: ' + monthInterest); totalInterest = totalInterest + monthInterest; } System.out.println('-------------------------------------------------'); System.out.println('利息:--->'+totalInterest); System.out.println('-------------------------------------------------'); System.out.println('年利率:--->'+totalInterest/month*12/invest*100+'%'); } /** * 获取每月本息金额 * 计算方式 * 每月本息金额 = (本金×月利率×(1+月利率)^还款月数)÷ ((1+月利率)^还款月数-1)) * @param invest 本金 * @param yearRate 年利率 * @param month 还款月 * @return 每月本息金额 */ public double getMonthIncome(double invest, double yearRate,int month){ double monthRate = yearRate/12; //月利率 double monthIncome = (invest* monthRate * Math.pow(1+monthRate,month))/(Math.pow(1+monthRate,month)-1); return monthIncome; }}
本金-->10000.0 年利率--->15.5% 期限--->6个月--------------------------------------------每月本息金额 : 1742.8196429537836---------------------------------------------------第1月本金: 1613.6529762871169第2月本金: 1634.495993897492第3月本金: 1655.6082338186682第4月本金: 1676.9931735054925第5月本金: 1698.6543353299387第6月本金: 1720.5952871612835---------------------------------------------------第1月利息: 129.16666666666666第2月利息: 108.3236490562914第3月利息: 87.21140913511546第4月利息: 65.82646944829101第5月利息: 44.16530762384506第6月利息: 22.224355792500013-------------------------------------------------利息:--->456.91785772270964-------------------------------------------------年利率:--->9.138357154454193%
所以当我们以15.5%的年利来进行等额本息理财的时候,其实换算之后,年利率只相当于百分之9%
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