gzwgssmart / loancalculator Goto Github PK
View Code? Open in Web Editor NEW使用Java编写的贷款计算小程序，支持等额本金和等额本息方式，可列出详细的还款计划
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guozengsoftware kevonz pstree wenjiansong benli2023 ephonsun summernazi bambooj travisyuan1982 0x01wj zhanlichao liangchch xianghang07 yindongjun lfl0919 lossheartloancalculator's Issues
等额本金还款法计算有误
totalPayedPrincipal = totalPayedPrincipal.add(payPrincipal);
BigDecimal interest = totalLoanMoney.subtract(totalPayedPrincipal).multiply(loanRateMonth).setScale(2, BigDecimal.ROUND_HALF_EVEN);
这里在算利息之前，先把totalPayedPrincipal加上了本月应还本金。导致在计算第一个月的利息时，totalPayedPrincipal不是0。因此还款计划的利息整体向后推了一个月。
等额本金还款计算方式有问题
累积已还本金 = 贷款本金/总还款月数*已还款月数
BigDecimal totalPayedPrincipal = payPrincipal.multiply(new BigDecimal(i));
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