java房贷计算工具类（商贷、公积金、组合贷）

/** * @创建者 CSDN_LQR * @描述 贷款计算工具 */ public class CalculatorUtils { public static void main(String[] args) { CalculatorUtils utils = new CalculatorUtils(); //等额本息、商贷、根据总额 // CalculatorBean calculatorBean = utils.calcLoanOrFundByTotalPrice(REFUND_TYPE.AVERAGE_PRINCIPAL, LOAN_TYPE.LOAN, 240, 5.15f, 0, 10000); //等额本息、公积金、根据总额 // CalculatorBean calculatorBean = utils.calcLoanOrFundByTotalPrice(REFUND_TYPE.AVERAGE_PRINCIPAL, LOAN_TYPE.FUND, 240, 0, 5.15f, 10000); //等额本息、商贷、根据单价和面积 CalculatorBean calculatorBean = utils.calcLoanOrFundByUnitPriceAndArea(REFUND_TYPE.AVERAGE_PRINCIPAL, LOAN_TYPE.LOAN, 240, 1000f, 10f, 0.2f, 5.15f); //等额本息、公积金、根据单价和面积 // CalculatorBean calculatorBean = utils.calcLoanOrFundByUnitPriceAndArea(REFUND_TYPE.AVERAGE_PRINCIPAL, LOAN_TYPE.FUND, 240, 1000f, 10f, 0.2f, 5.15f); System.out.println("月均还款:" + calculatorBean.pricePerMonth); System.out.println("房款总额:" + calculatorBean.total_price); System.out.println("贷款总额:" + calculatorBean.loan_amount); System.out.println("还款总额:" + calculatorBean.totalPriceHuankuan); System.out.println("支付利息款:" + calculatorBean.totalInterest); System.out.println("首期付款 :" + calculatorBean.down_payment); System.out.println("贷款月数 :" + calculatorBean.mortgage_month); } //还款方式 public static class REFUND_TYPE { public static int AVERAGE_PRINCIPAL = 1;//等额本息 public static int AVERAGE_CAPITAL = 2;//等额本金 } //贷款类别 public static class LOAN_TYPE { public static int LOAN = 1;//商贷 public static int FUND = 2;//公积金 public static int PORTFOLIO = 3;//组合贷 } //计算方式 public static class CALCULATION_TYPE { public static int TOTAL_LOANS = 1; // 根据贷款总额 public static int UNIT_PRICE_AND_AREA = 2; // 根据单价和面积 } /** * 计算 商贷||公积金(根据总价) * * @param refund_type 还款方式（等额本息、等额本金） * @param loan_type 贷款类别（商贷、公积金） * @param mortgage_month 贷款月数 * @param interest 商贷利率/公积金贷款利率 * @param total_price 房款总额 * @return */ public CalculatorBean calcLoanOrFundByTotalPrice(int refund_type, int loan_type, int mortgage_month, double interest, double total_price) { if (loan_type == LOAN_TYPE.LOAN) { return coreCalculate(refund_type, loan_type, mortgage_month, CALCULATION_TYPE.TOTAL_LOANS, 0, 0, 0, interest, 0, total_price, 0, 0); } else { return coreCalculate(refund_type, loan_type, mortgage_month, CALCULATION_TYPE.TOTAL_LOANS, 0, 0, 0, 0, interest, total_price, 0, 0); } } /** * 计算 商贷||公积金(根据单价和面积) * * @param refund_type 还款方式（等额本息、等额本金） * @param loan_type 贷款类别（商贷、公积金） * @param mortgage_month 贷款月数 * @param single_price 单价 * @param area 面积 * @param mortgage_ratio 按揭成数 * @param interest 商贷利率/公积金贷款利率 * @return */ public CalculatorBean calcLoanOrFundByUnitPriceAndArea(int refund_type, int loan_type, int mortgage_month, double single_price, double area, double mortgage_ratio, double interest) { if (loan_type == LOAN_TYPE.LOAN) { return coreCalculate(refund_type, loan_type, mortgage_month, CALCULATION_TYPE.UNIT_PRICE_AND_AREA, single_price, area, mortgage_ratio, interest, 0, 0, 0, 0); } else { return coreCalculate(refund_type, loan_type, mortgage_month, CALCULATION_TYPE.UNIT_PRICE_AND_AREA, single_price, area, mortgage_ratio, 0, interest, 0, 0, 0); } } //计算 组合贷 public CalculatorBean calcPortfolio(int refund_type, int mortgage_month, double loan_interest, double fund_interest, double shangyexing, double gongjijin) { return coreCalculate(refund_type, LOAN_TYPE.PORTFOLIO, mortgage_month, 0, 0, 0, 0, loan_interest, fund_interest, 0, shangyexing, gongjijin); } //计算 商贷||公积金 private CalculatorBean calcLoanOrFund(int refund_type, int loan_type, int mortgage_month, int loan_totalprice_type, double single_price, double area, int mortgage_ratio, double loan_interest, double fund_interest, double total_price) { return coreCalculate(refund_type, loan_type, mortgage_month, loan_totalprice_type, single_price, area, mortgage_ratio, loan_interest, fund_interest, total_price, 0, 0); } /** * @param refund_type 还款方式（AVERAGE_PRINCIPAL、AVERAGE_CAPITAL） * @param loan_type 贷款类别（商贷、公积金、组合贷） * @param mortgage_month 贷款月数 * @param loan_totalprice_type 计算方式（TOTAL_LOANS、UNIT_PRICE_AND_AREA） * <p> * //根据根据单价和面积 * @param single_price 单价 * @param area 面积 * @param mortgage_ratio 按揭成数 * @param loan_interest 商贷利率 * @param fund_interest 公积金贷款利率 * @param total_price 房款总额 * <p> * //组合贷 * @param shangyexing 商业性 * @param gongjijin 公积金 */ private CalculatorBean coreCalculate(int refund_type, int loan_type, int mortgage_month, int loan_totalprice_type, double single_price, double area, double mortgage_ratio, double loan_interest, double fund_interest, double total_price, double shangyexing, double gongjijin) { CalculatorBean calculatorBean = new CalculatorBean(); double interest_rate = 0;//利率(商贷利率/公积金贷款利率) double loan_amount = 0;//贷款总额 double down_payment = 0;//首期付款 // 商贷 || 公积金 if (loan_type == LOAN_TYPE.LOAN || loan_type == LOAN_TYPE.FUND) { //计算利率 interest_rate = loan_type == LOAN_TYPE.LOAN ? ArithUtil.div(loan_interest, 100) : ArithUtil.div(fund_interest, 100); // 根据单价和面积 if (loan_totalprice_type == CALCULATION_TYPE.UNIT_PRICE_AND_AREA) { total_price = ArithUtil.mul(single_price, area);// 单　价 * 面　积 loan_amount = ArithUtil.mul(total_price, mortgage_ratio);// 总价 * 按揭成数 down_payment = ArithUtil.sub(total_price, loan_amount);// 总价 - 贷款额 } // 根据贷款总额 else if (loan_totalprice_type == CALCULATION_TYPE.TOTAL_LOANS) { loan_amount = total_price; down_payment = 0; } calculatorBean = getRightInfoNotComb(loan_amount, mortgage_month, interest_rate, refund_type); } // 组合贷 else if (loan_type == LOAN_TYPE.PORTFOLIO) { loan_amount = ArithUtil.add(shangyexing, gongjijin); calculatorBean = getRightInfoComb(shangyexing, loan_interest, gongjijin, fund_interest, mortgage_month, refund_type); } //填充其他数据 calculatorBean.total_price = total_price; calculatorBean.loan_amount = loan_amount; calculatorBean.down_payment = down_payment; calculatorBean.mortgage_month = mortgage_month; return calculatorBean;