最近寫了一個關于金融的項目，在這遇到的一些概念和算法不是很懂，于是就問別人和百度了一翻。其實關鍵是要理解什么是“等額本金、等額本息”，然后用數學的算法算一下，再轉化成java代碼去計算【算法】
以下就是用最通俗的語句來理解“等額本金、等額本息”: 等額本金定義：本金保持相同，利息逐月遞減，月還款數遞減。適合于有計劃提前還貸。 等額本息定義：本金逐月遞增，利息逐月遞減，月還款數不變。
等額本息還款法:
每月月供額=貸款本金×月利率×（1+月利率）還款月數/[（1+月利率）還款月數-1]每月應還利息=貸款本金×月利率×〔(1+月利率)^還款月數-(1+月利率)^(還款月序號-1)〕÷〔(1+月利率)^還款月數-1〕每月應還本金=貸款本金×月利率×(1+月利率)^(還款月序號-1)÷〔(1+月利率)^還款月數-1〕總利息=還款月數×每月月供額-貸款本金等額本金還款法:
每月月供額=(貸款本金÷還款月數)+(貸款本金-已歸還本金累計額)×月利率每月應還本金=貸款本金÷還款月數每月應還利息=剩余本金×月利率=(貸款本金-已歸還本金累計額)×月利率每月月供遞減額=每月應還本金×月利率=貸款本金÷還款月數×月利率總利息=〔(總貸款額÷還款月數+總貸款額×月利率)+總貸款額÷還款月數×(1+月利率)〕÷2×還款月數-總貸款額等額本金：
package com.utils; import java.math.BigDecimal; import java.util.ArrayList; import java.util.HashMap; import java.util.List; import java.util.Map; import java.util.Map.Entry; public class AverageCapitalUtils { PRivate static final Integer month = 12; / * @param investMoney * 總借款額（貸款本金） * @param yearRate * 總年利率 * @param otherRate * 加息年利率 * @param unit * 單位：年，月 * @param month * 還款總月數 * @return 每月償還本金和利息,不四舍五入，直接截取小數點最后兩*/public static List<Map<String, Object>> getPerMonthPrincipalInterest(BigDecimal investMoney, BigDecimal yearRate,BigDecimal otherRate, int totalMonth) { yearRate = yearRate.divide(new BigDecimal("100"), 6, BigDecimal.ROUND_DOWN);//年利率 List<Map<String, Object>> mapList = new ArrayList<>(); Map<String, Object> map = null; BigDecimal totalAmount = BigDecimal.ZERO; //已還本息 // 每月本金 BigDecimal monthPri = getPerMonthPrincipal(investMoney, totalMonth); // 獲取總月利率 BigDecimal monthRate = yearRate.divide(new BigDecimal(month),6, BigDecimal.ROUND_DOWN);//向下取6位 // 獲取加息部分月利率 BigDecimal monthOtherRate = otherRate.divide(new BigDecimal(month),6, BigDecimal.ROUND_DOWN);//向下取6位 for (int i = 1; i <= totalMonth; i++) { if (i == totalMonth) //最后一個月的本金= 總金額-已還總金額 52 monthPri = investMoney.subtract(totalAmount); totalAmount = totalAmount.add(monthPri); // (貸款本金-已歸還本金累計額)×月利率 BigDecimal monthInvest = investMoney.subtract(monthPri.multiply(new BigDecimal(i-1))).multiply(monthRate); //每月回款的總利息 BigDecimal monthOtherInvest = investMoney.subtract(monthPri.multiply(new BigDecimal(i-1))).multiply(monthOtherRate); //每月回款的財務支付利息 //每月回款金額 = 月利息+月本金 BigDecimal monthRes = monthInvest.add(monthPri).setScale(2, BigDecimal.ROUND_DOWN); map = new HashMap<>(); map.put("periods", i); map.put("monthResAndPri", monthRes); //每月回款總額 map.put("monthPri", monthPri); // 回款本金 map.put("monthInvest", monthInvest.setScale(6, BigDecimal.ROUND_DOWN)); // 回款利息 map.put("monthOtherInvest", monthOtherInvest.setScale(6, BigDecimal.ROUND_DOWN)); // 回款其他利息 map.put("surplusMoney", investMoney.subtract(totalAmount)); // 剩余本金 mapList.add(map); } return mapList; } /* * @param invest * 總借款額（貸款本金） * @param yearRate * 年利率 * @param month * 還款總月數 * @return 每月償還利息 */ public static Map<String, Object> getPerMonthInterest(BigDecimal invest, BigDecimal yearRate, int totalMonth) { Map<String, Object> inMap = new HashMap<String, Object>(); List<Map<String, Object>> mapList = getPerMonthPrincipalInterest(invest, yearRate,BigDecimal.ZERO, totalMonth); for (Map<String, Object> map : mapList) { inMap.put(map.get("periods").toString(), map.get("monthInvest")); } return inMap; } / * 公式：每天應還利息 = 本金*月利率/起息當月天數 * @param invest * 總借款額（貸款本金） * @param yearRate * 年利率 * @param totalDay * 起息當月天數 * @return 每天償還利息 */ public static BigDecimal getPerMonthInterestByDay(BigDecimal invest, BigDecimal yearRate, int totalDay) { yearRate = yearRate.divide(new BigDecimal("100"), 6, BigDecimal.ROUND_DOWN);//年利率 BigDecimal monthRate = yearRate.divide(new BigDecimal(month),6, BigDecimal.ROUND_DOWN);//向下取6位,獲取月利率 BigDecimal income = invest.multiply(monthRate).divide(new BigDecimal(totalDay),6, BigDecimal.ROUND_DOWN); return income.setScale(6, BigDecimal.ROUND_DOWN); } /** * 等額本金計算獲取還款方式為等額本金的每月償還本金(每月回款本金) * * 公式：每月應還本金=貸款本金÷還款月數 * * @param invest * 總借款額（貸款本金） * @param yearRate * 年利率 * @param month * 還款總月數 * @return 每月償還本金 */ private static BigDecimal getPerMonthPrincipal(BigDecimal invest, int totalMonth) { BigDecimal monthIncome = invest.divide(new BigDecimal(totalMonth), 2, BigDecimal.ROUND_DOWN); return monthIncome; } /** * 等額本金計算獲取還款方式為等額本金的總利息 * * @param invest * 總借款額（貸款本金） * @param yearRate * 年利率 * @param month * 還款總月數 * @return 總利息 */ public static BigDecimal getInterestCount(BigDecimal invest, BigDecimal yearRate, int totalMonth) { BigDecimal count = new BigDecimal(0); Map<String, Object> mapInterest = getPerMonthInterest(invest, yearRate, totalMonth); for (Entry<String, Object> entry : mapInterest.entrySet()) { count = count.add((BigDecimal) entry.getValue()); } return count; } /** * @param args */ public static void main(String[] args) { BigDecimal invest = new BigDecimal(10000); // 本金 int month = 12; BigDecimal yearRate = new BigDecimal("8"); // 年利率 List<Map<String, Object>> getPerMonthPrincipalInterest = getPerMonthPrincipalInterest(invest, yearRate,BigDecimal.ZERO, month); System.out.println("等額本金---每月本息：" + getPerMonthPrincipalInterest); BigDecimal benjin = getPerMonthPrincipal(invest, month); System.out.println("等額本金---每月本金:" + benjin); Map<String, Object> mapInterest = getPerMonthInterest(invest, yearRate, month); System.out.println("等額本金---每月利息:" + mapInterest); BigDecimal count = getInterestCount(invest, yearRate, month); System.out.println("等額本金---總利息：" + count); System.out.println(getPerMonthInterestByDay(invest, yearRate, 31)); } }等額本息：
package com.util;import java.math.BigDecimal;import java.math.RoundingMode;import java.util.ArrayList;import java.util.List;import com.LoanProductStageVo;import com.TimeUnits;/** * 本息計算器 * @Description: 本息算法 */public class PrincipalAndInterestEquals { /** * 調試 * @param args */ public static void main(String[] args) { int periods = 4; TimeUnits unit = TimeUnits.day; RoundingMode roundingMode = RoundingMode.UP; BigDecimal rate = new BigDecimal("0.12"); BigDecimal money = new BigDecimal("10000");// equalPI_stage(periods, rate, unit, money, roundingMode);// System.out.println("每月本息和（等額本息）："+equalPI_everyMonthPrincipalAddInterset(periods, rate, TimeUnits.month, money, RoundingMode.UP));// System.out.println("每月本息和："+pEqualI_stage(periods, rate,unit, money, RoundingMode.UP));// pEqualI_stageSumNum(15 ,periods, rate, unit, money, roundingMode);// equalP_stage(periods, rate, money, roundingMode);// List<LoanProductStageVo> stages = equalPI_stage(periods, rate, TimeUnits.month, money, RoundingMode.UP);// for(int i = 0; i < stages.size(); i++) {// System.out.println("------------" + (i+1) + "期");// System.out.println("本金：" + stages.get(i).getPrincipal());// System.out.println("利息：" + stages.get(i).getInterset());// } } /** * 月轉年，乘以12 */ private static final BigDecimal MONTH_YEAR = new BigDecimal("12"); /** * 天轉月，乘以30，一月按30天算 */ private static final BigDecimal DAY_MONTH = new BigDecimal("30");// private static final BigDecimal DAY_YEWR = new BigDecimal("365"); /** * 利率百分數轉換 */ private static final BigDecimal RATE_CONVERT_PERCENT = new BigDecimal("100"); ///-------------------------------等額本息 /** * 等額本息 —— 計算每期還款本息和 * <p>設貸款額為a，月利率為i，年利率為I，還款月數為n，每月還款額為b，還款利息總和為Y<br/> * 月均還款:b＝a×i×（1＋i）^n÷〔（1＋i）^n－1〕</p> * @param periods 期數，單位：月 * @param rate 年利率 * @param unit 期數單位（目前僅支持年、月、日） * @param money 要分期的金額 * @param roundingMode 小數位處理 * @return 每期還款額，如單位年，則為每年還款額 */ public static BigDecimal equalPI_everyMonthPrincipalAddInterset(Integer periods, BigDecimal rate, TimeUnits unit, BigDecimal money, RoundingMode roundingMode) { rate = rate.divide(RATE_CONVERT_PERCENT, roundingMode).divide(MONTH_YEAR, roundingMode);//將年利率轉換成月利率 /* * 設貸款額為a，月利率為i，年利率為I，還款月數為n，每月還款額為b，還款利息總和為Y * 月均還款:b＝a×i×（1＋i）^n÷〔（1＋i）^n－1〕 */ BigDecimal newrate = rate.add(new BigDecimal("1")).pow(periods);//1+月利率 BigDecimal ch = newrate.subtract(new BigDecimal("1")); BigDecimal monthMoney = money.multiply(rate).multiply(newrate).divide(ch, 2, roundingMode);//每月還款本息和// System.out.println("每月還款本息："+monthMoney);// System.out.println("通過每月還款本息計算的還款總和："+monthMoney.multiply(new BigDecimal(stage.getPeriods()))); if(TimeUnits.year == unit) { return money.multiply(MONTH_YEAR).setScale(2, roundingMode); } else if(TimeUnits.day == unit) { return money.divide(DAY_MONTH, 2, roundingMode); } return monthMoney; } /** * 等額本息 —— 計算各個月份的還款額（<font color='red'>僅支持月</font>） * <p>設貸款額為a，月利率為i，年利率為I，還款月數為n，每月還款額為b，還款利息總和為Y<br/> * 第n月還款利息為:（a×i－b）×（1＋i）^（n－1）＋b</p> * <p>未完成：單位為年和日的，間隔不是1的情況</p> * @param periods 分期數，單位：月 * @param rate 年利率 * @param unit 單位（<font color='red'>僅支持月</font>） * @param money 貸款總金額 * @param roundingMode 小數位處理 * @return */ public static List<LoanProductStageVo> equalPI_stage(Integer periods, BigDecimal rate, TimeUnits unit, BigDecimal money, RoundingMode roundingMode) { rate = rate.divide(RATE_CONVERT_PERCENT, roundingMode).divide(MONTH_YEAR, roundingMode);//計算月利率 /* * 設貸款額為a，月利率為i，年利率為I，還款月數為n，每月還款額為b，還款利息總和為Y * 第n月還款利息為:（a×i－b）×（1＋i）^（n－1）＋b */ List<LoanProductStageVo> stageResult = new ArrayList<>(); //BigDecimal principalAddInterset = equalPI_everyMonthPrincipalAddInterset(periods, rate, unit, money,roundingMode); BigDecimal principalAddInterset = equalPI_everyMonthPrincipalAddInterset(periods, rate, TimeUnits.month, money,roundingMode); BigDecimal totalLixi = new BigDecimal(0);//臨時：利息總額 BigDecimal totalBenjin = new BigDecimal(0);//臨時：本金總額 for(int i = 0; i < periods; i++) {// System.out.println("/n--------" + (i+1) + "期"); LoanProductStageVo stageVo = new LoanProductStageVo(); stageVo.setPrincipalAddInterset(principalAddInterset); if(i + 1 == periods) { //最后一期的計算，將計算中因小數位導致數據不對稱的補充回來 stageVo.setInterset(principalAddInterset.multiply(new BigDecimal(periods)).subtract(money).subtract(totalLixi)); stageVo.setPrincipal(money.subtract(totalBenjin)); } else { BigDecimal currentMonthRate = rate.add(new BigDecimal(1)).pow(i); BigDecimal interset = money.multiply(rate).subtract(principalAddInterset).multiply(currentMonthRate).add(principalAddInterset).setScale(2, roundingMode); stageVo.setInterset(interset); stageVo.setPrincipal(principalAddInterset.subtract(interset)); } totalLixi = totalLixi.add(stageVo.getInterset()); totalBenjin = totalBenjin.add(stageVo.getPrincipal()); stageResult.add(stageVo); }// System.out.println("還款利息總額：" + totalLixi);// System.out.println("還款本金總額：" + totalBenjin); return stageResult; } /** * 等額本息 —— 按照公式計算第n期的信息 * @param n 第n期 * @param periods 分期數 * @param rate 月利率 * @param unit 單位（目前僅支持年、月） * @param money 總本金額 * @param roundingMode 小數位取值方式 * @return */ public static LoanProductStageVo equalPI_stageAtNum(int n, int periods, BigDecimal rate, BigDecimal money, RoundingMode roundingMode) { if(n <= 0) { return null; } if(n > periods) { return null; } rate = rate.divide(RATE_CONVERT_PERCENT, roundingMode).divide(MONTH_YEAR, roundingMode); /* * 設貸款額為a，月利率為i，年利率為I，還款月數為n，每月還款額為b，還款利息總和為Y * 第n月還款利息為:（a×i－b）×（1＋i）^（n－1）＋b */ LoanProductStageVo stageVo = new LoanProductStageVo(); BigDecimal principalAddInterset = equalPI_everyMonthPrincipalAddInterset(periods, rate, TimeUnits.month, money,roundingMode); BigDecimal currentMonthRate = rate.add(new BigDecimal(1)).pow(n - 1); BigDecimal interset = money.multiply(rate).subtract(principalAddInterset).multiply(currentMonthRate).add(principalAddInterset).setScale(2, roundingMode); stageVo.setPrincipalAddInterset(principalAddInterset); stageVo.setInterset(interset); stageVo.setPrincipal(principalAddInterset.subtract(interset)); return stageVo; } ///-------------------------------等額本金 /** * 等額本息 —— 計算每期信息 * <p>公式：每月還款金額 = （貸款本金 / 還款月數）+（本金 — 已歸還本金累計額）×每月利率</p> * * @param periods 分期數 * @param rate 年利率 * @param money 本金總額 * @param roundingMode 小數位處理 * @return */ public static List<LoanProductStageVo> equalP_stage(int periods, BigDecimal rate, BigDecimal money, RoundingMode roundingMode) { final BigDecimal PERIODS = new BigDecimal(periods + ""); rate = rate.divide(RATE_CONVERT_PERCENT, roundingMode).divide(MONTH_YEAR, roundingMode); List<LoanProductStageVo> stageResult = new ArrayList<>(); //每月還款本金 BigDecimal everyMonthPrincipal = money.divide(PERIODS, 2, roundingMode); BigDecimal totalBenjin = new BigDecimal("0"); BigDecimal totalLixi = new BigDecimal("0"); for(int i = 0; i < periods; i++) {// System.out.println("/n--------" + (i+1) + "期"); LoanProductStageVo stageVo = new LoanProductStageVo(); if(i+1 == periods) { stageVo.setPrincipal(money.subtract(totalBenjin)); stageVo.setInterset(stageVo.getPrincipal().multiply(rate).setScale(2, roundingMode)); } else { stageVo.setPrincipal(everyMonthPrincipal); stageVo.setInterset(money.subtract(totalBenjin).multiply(rate).setScale(2, roundingMode)); }// System.out.println("本金："+stageVo.getPrincipal());// System.out.println("利息："+stageVo.getInterset()); totalBenjin = totalBenjin.add(stageVo.getPrincipal()); totalLixi = totalLixi.add(stageVo.getInterset()); stageResult.add(stageVo); }// System.out.println("本金和："+totalBenjin);// System.out.println("利息和："+totalLixi); return stageResult; } }等本等息為民間借貸、分期購物、銀行分期中的一種還款方式。 月還款為：本金+利息。 舉例說明，假設借款額3萬元，借款期限12個月，預計年化借款利率12%，等本等息還款，每月月末歸還本金及利息，則公式如下：每月歸還本金＝貸款3萬÷12期＝2500元，預計年利息＝3萬×12%＝3600元，為月息300元，那就是每個月需還2500＋300＝2800元。
package com.zhonglian.jinju.pub.service.support;import java.math.BigDecimal;import java.math.RoundingMode;import java.util.ArrayList;import java.util.List;import com.LoanProductStageVo;import com.TimeUnits;/** *等 本等息計算器 * @Description: 本息算法 */public class PrincipalAndInterestEquals2 { /** * 調試 * @param args */ public static void main(String[] args) { int periods = 4; TimeUnits unit = TimeUnits.day; RoundingMode roundingMode = RoundingMode.UP; BigDecimal rate = new BigDecimal("0.12"); BigDecimal money = new BigDecimal("10000"); pEqualI_stageSumNum(15 ,periods, rate, unit, money, roundingMode);// equalP_stage(periods, rate, money, roundingMode);// List<LoanProductStageVo> stages = equalPI_stage(periods, rate, TimeUnits.month, money, RoundingMode.UP);// for(int i = 0; i < stages.size(); i++) {// System.out.println("------------" + (i+1) + "期");// System.out.println("本金：" + stages.get(i).getPrincipal());// System.out.println("利息：" + stages.get(i).getInterset());// } } /** * 月轉年，乘以12 */ private static final BigDecimal MONTH_YEAR = new BigDecimal("12"); /** * 天轉月，乘以30，一月按30天算 */ private static final BigDecimal DAY_MONTH = new BigDecimal("30");// private static final BigDecimal DAY_YEWR = new BigDecimal("365"); /** * 利率百分數轉換 */ private static final BigDecimal RATE_CONVERT_PERCENT = new BigDecimal("100"); ///-------------------------------等本等息 /** * 等本等息 —— 計算每期信息 * <p>算法：第n月還款利息為:貸款總額 * 年利率 / 分期數</p> * @param periods 分期數，單位月 * @param rate 利率 * @param money 貸款總額 * @param roundingMode 小數位處理 * @return */ public static List<LoanProductStageVo> pEqualI_stage(int periods, BigDecimal rate, BigDecimal money, RoundingMode roundingMode) { rate = rate.divide(RATE_CONVERT_PERCENT, roundingMode); List<LoanProductStageVo> result = new ArrayList<>(); BigDecimal everyMonthPrincipal = money.divide(new BigDecimal(periods+""), 2, roundingMode); BigDecimal everyMonthInterset = money.multiply(rate).divide(MONTH_YEAR, roundingMode); BigDecimal totalInterset = everyMonthInterset.multiply(new BigDecimal(periods+"")); BigDecimal principalAddInterset = everyMonthPrincipal.add(everyMonthInterset); BigDecimal totalBenjin = new BigDecimal("0"); BigDecimal totalLixi = new BigDecimal("0"); for(int i = 0; i < periods; i++) {// System.out.println("/n--------" + (i+1) + "期"); LoanProductStageVo stageVo = new LoanProductStageVo(); if(i + 1 == periods) { //TODO 算法疑問：最后一期會與前面的不一樣// System.out.println("最后"); stageVo.setPrincipal(money.subtract(totalBenjin)); stageVo.setInterset(totalInterset.subtract(totalLixi).setScale(2, roundingMode)); stageVo.setPrincipalAddInterset(principalAddInterset); } else { stageVo.setInterset(everyMonthInterset); stageVo.setPrincipal(everyMonthPrincipal); stageVo.setPrincipalAddInterset(principalAddInterset); } result.add(stageVo); totalBenjin = totalBenjin.add(stageVo.getPrincipal()); totalLixi = totalLixi.add(stageVo.getInterset());// System.out.println("本金："+stageVo.getPrincipal());// System.out.println("利息："+stageVo.getInterset());// System.out.println("月本息和："+stageVo.getPrincipalAddInterset()); }// System.out.println("本金和："+totalBenjin);// System.out.println("利息和："+totalLixi); return result; } /** * 等本等息 —— 計算前n期之和，時間單位支持年、月、日（按照公式計算） * <br/>但對最后一期本金或利息不會“多退少補”計算，本方法完全按照公式走 * @param n 要計算的期數，單位：月 * @param periods 分期數 * @param rate 年利率 * @param unit 時間單位 * @param money 總金額 * @param roundingMode 小數位取值方式 * @return 如果要獲取的期數超過分期期數，則返回總本息信息 */ public static LoanProductStageVo pEqualI_stageSumNum(int n, int periods, BigDecimal rate, TimeUnits unit, BigDecimal money, RoundingMode roundingMode) { rate = rate.divide(RATE_CONVERT_PERCENT, roundingMode); LoanProductStageVo stageVo = new LoanProductStageVo(); if(n <= 0) { stageVo.setInterset(new BigDecimal("0")); stageVo.setPrincipal(new BigDecimal("0")); return stageVo; } final BigDecimal PERIODS = new BigDecimal(periods+""); final BigDecimal N = new BigDecimal(n + ""); BigDecimal monthPrincipal = money.divide(PERIODS, 2, roundingMode);//月本金 BigDecimal monthInterset = money.multiply(rate).divide(MONTH_YEAR, 2, roundingMode);//月利息 BigDecimal nSumPrincipal = null, nSumInterset = null; boolean nEp = true;//期數校驗 if(TimeUnits.year == unit) { if(n * 12 <= periods) { nSumPrincipal = monthPrincipal.multiply(N).multiply(MONTH_YEAR); nSumInterset = monthInterset.multiply(N).multiply(MONTH_YEAR); nEp = false; } } else if(TimeUnits.month == unit) { if(n <= periods) { nSumPrincipal = monthPrincipal.multiply(N); nSumInterset = monthInterset.multiply(N); nEp = false; } } else if(TimeUnits.day == unit) { if(n / 30 <= periods) { nSumPrincipal = monthPrincipal.multiply(N).divide(DAY_MONTH, 2, roundingMode); nSumInterset = monthInterset.multiply(N).divide(DAY_MONTH, 2, roundingMode); nEp = false; } } else { return null; } //n的時間大于分期數情況，計算總和 if(nEp) { nSumPrincipal = monthPrincipal.multiply(PERIODS); nSumInterset = monthInterset.multiply(PERIODS); } stageVo.setPrincipal(nSumPrincipal); stageVo.setInterset(nSumInterset);// System.out.println("等本等息：前"+n+unit.getText()+"信息");// System.out.println("本金和："+stageVo.getPrincipal());// System.out.println("利息和："+stageVo.getInterset()); return stageVo; }}TimeUnits類
package com.enums;import com.fasterxml.jackson.databind.annotation.JsonSerialize;@JsonSerialize(as = StringValueTextEnum.class)public enum TimeUnits implements StringValueTextEnum { /** 分 */ minute("minute", "分"), /** 時 */ hour("hour", "時"), /** 天 */ day("day", "天"), /** 周 */ week("week", "周"), /** 月 */ month("month", "月"), /** 年 */ year("year", "年"); private String value; private String text; private TimeUnits(String value, String text) { this.value = value; this.text = text; } public String getValue() { return value; } public void setValue(String value) { this.value = value; } public String getText() { return text; } public void setText(String text) { this.text = text; }}LoanProductStageVo公共類
package com.bo;import java.math.BigDecimal;/** * 分期計算結果類 * */public class LoanProductStageVo { //本息和 private BigDecimal principalAddInterset; //本金 private BigDecimal principal; //利息 private BigDecimal interset; /** * 本息和（單獨的公式計算，每月相同） * @return */ public BigDecimal getPrincipalAddInterset() { if(principalAddInterset == null && principal != null && interset != null) { principalAddInterset = principal.add(interset); } return principalAddInterset; } /** * 本息和（單獨的公式計算，每月相同） * @param principalAddInterset */ public void setPrincipalAddInterset(BigDecimal principalAddInterset) { this.principalAddInterset = principalAddInterset; } /** * 本金 * @return */ public BigDecimal getPrincipal() { return principal; } /** * 本金 * @param principal */ public void setPrincipal(BigDecimal principal) { this.principal = principal; } /** * 利息 * @return */ public BigDecimal getInterset() { return interset; } /** * 利息 * @param interset */ public void setInterset(BigDecimal interset) { this.interset = interset; }}就到這了，希望這些能幫到大家！
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