/**
*
*/
package com.sp2p.util;
import java.text.DecimalFormat;
import java.text.SimpleDateFormat;
import java.util.ArrayList;
import java.util.Calendar;
import java.util.Date;
import java.util.HashMap;
import java.util.List;
import java.util.Map;
/**
* 金额计算工具类
*
* @author Administrator
*
*/
public class AmountUtil {
// 格式化保留两位数
private DecimalFormat df_two = new DecimalFormat("#0.00");
// 格式化保留4位数
private DecimalFormat df_four = new DecimalFormat("#0.0000");
// 日期格式化
private SimpleDateFormat sf = new SimpleDateFormat("yyyy-MM-dd");
private SimpleDateFormat format = new SimpleDateFormat("yyyy-MM-dd HH:mm:ss");
// 月利率
private double monthRate = 0;
// 月还利息
private double monPayRate = 0;
// 月还本金
private double monPayAmount = 0;
// 到期还款本息总额
private double totalAmount = 0;
// 月还本息
private double totalSum = 0;
// 本金余额
private double principalBalance = 0;
// 利息余额
private double interestBalance = 0;
// 总利息
private double totalInterest = 0;
// 当前时间
private Date currTime;
// 剩余本金
private double stillAmount = 0;
// 月还款
private double monPay = 0;
// 所借本金
private double amount = 0;
// 本息余额
private double payRemain = 0;
// 本金
private double payAmount = 0;
// 投资管理费
private double iManageFee = 0;
// 投资收益总额
private double earnAmount = 0;
// 奖励
private double rewardSum = 0;
// 获取日期
private Date date = new Date();
// 返回的结果集
private List<Map<String, Object>> mapList = null;
// map记录
private Map<String, Object> map = null;
/**
* @MethodName: add
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-20 下午05:15:18
* @Return:
* @Descb: 日期累加
* @Throws:
*/
private static Date add(Date date, int type, int value) {
Calendar calendar = Calendar.getInstance();
calendar.setTime(date);
calendar.add(type, value);
return calendar.getTime();
}
/**
* @MethodName: formatNumber
* @Param: AmountUtil
* @Author: gang.lv
* @Date: 2013-5-13 下午04:15:57
* @Return:
* @Descb: 格式化输出为.0的数字
* @Throws:
*/
public static String formatNumber(String number) {
if (number.startsWith("."))
return "0" + number;
return number;
}
/**
* @MethodName: rateSecondsSum repayPeriod 还款期数 repayDate 还款日期
* stillPrincipal 应还本金 stillInterest 应还利息 principalBalance 本金余额
* interestBalance 利息余额 mRate 月利率 totalSum 本息余额 totalAmount
* 还款总额
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-20 下午09:42:34
* @Return:
* @Descb: 生意贷
* @Throws:
*/
public List<Map<String, Object>> rateSecondsSum(double borrowSum, double yearRate, int deadline) {
mapList = new ArrayList<Map<String, Object>>();
map = new HashMap<String, Object>();
monthRate = Double.valueOf(yearRate * 0.01) / 12.0;
totalInterest = Double.valueOf(df_two.format(borrowSum * monthRate));
totalAmount = borrowSum + totalInterest;
map.put("repayPeriod", "1/1");
map.put("repayDate", sf.format(date));
map.put("stillPrincipal", df_two.format(borrowSum));
map.put("stillInterest", df_two.format(totalInterest));
map.put("principalBalance", 0);
map.put("interestBalance", 0);
map.put("mRate", df_four.format(monthRate * 100));
map.put("totalSum", df_two.format(totalAmount));
map.put("totalAmount", df_two.format(totalAmount));
mapList.add(map);
return mapList;
}
/**
* @MethodName: earnSecondsSum msg 收益消息 realAmount 实际投资金额 totalInterest 收益利息
* rewardSum 收益奖励 iManageFee 投资管理费 viewMode 显示模式 1 统计 2 展示
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-20 下午10:17:59
* @Return:
* @Descb: 秒还还款收益
* @Throws:
*/
public Map<String, String> earnSecondsSum(double realAmount, double borrowSum, double yearRate, int deadline, double excitationSum, int viewMode) {
Map<String, String> mapEarn = new HashMap<String, String>();
StringBuffer msg = new StringBuffer();
monthRate = Double.valueOf(yearRate * 0.01) / 12.0;
totalInterest = borrowSum * monthRate;
totalInterest = totalInterest * (Double.valueOf(realAmount) / Double.valueOf(borrowSum));
totalInterest = Double.valueOf(df_four.format(totalInterest));
iManageFee = totalInterest * 0.1;
iManageFee = Double.valueOf(df_two.format(iManageFee));
rewardSum = excitationSum * (Double.valueOf(realAmount) / Double.valueOf(borrowSum));
rewardSum = Double.valueOf(df_two.format(rewardSum));
earnAmount = realAmount + totalInterest + rewardSum - iManageFee;
earnAmount = Double.valueOf(df_two.format(earnAmount));
if (viewMode == 1) {
msg.append("投资生意贷月利率：" + df_four.format(monthRate * 100));
msg.append("%<br/>其中投资金额：￥" + realAmount + "元<br/>");
msg.append("收益利息：￥" + df_two.format(totalInterest) + "元<br/>");
msg.append("扣除投资管理费：￥" + iManageFee + "元<br/>");
msg.append("收益总额：￥" + earnAmount + "元");
} else {
msg.append("投标" + realAmount + "元,年利率：" + yearRate);
msg.append("%,期限" + deadline + "个月,可获得利息收益：￥" + df_two.format(totalInterest) + "元");
}
mapEarn.put("msg", msg.toString());
mapEarn.put("realAmount", realAmount + "");
mapEarn.put("totalInterest", totalInterest + "");
mapEarn.put("rewardSum", rewardSum + "");
mapEarn.put("iManageFee", iManageFee + "");
mapEarn.put("monthRate", monthRate + "");
return mapEarn;
}
/**
* @MethodName: rateCalculateMonth msg 收益消息 realAmount 实际投资金额 totalInterest
* 收益利息 rewardSum 收益奖励 iManageFee 投资管理费 repayPeriod 还款期数
* repayDate 还款日期 stillPrincipal 应还本金 stillInterest 应还利息
* principalBalance 本金余额 interestBalance 利息余额 mRate 月利率
* totalSum 本息余额 totalAmount 还款总额
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-20 下午09:01:34
* @Return:
* @Descb: 按月等额还款
* @Throws:
*/
public List<Map<String, Object>> rateCalculateMonth(double borrowSum, double yearRate, int deadline, int isDayThe) {
mapList = new ArrayList<Map<String, Object>>();
monthRate = Double.valueOf(yearRate * 0.01) / 12.0;
if (isDayThe == 1) {
// 月标
monPay = Double.valueOf(borrowSum * monthRate * Math.pow((1 + monthRate), deadline))
/ Double.valueOf(Math.pow((1 + monthRate), deadline) - 1);
monPay = Double.valueOf(df_two.format(monPay));
amount = borrowSum;
monPayRate = 0;
monPayAmount = 0;
totalAmount = monPay * deadline;// 还款总额（还款总金额+总利息）
payRemain = Double.valueOf(df_two.format(totalAmount));
for (int n = 1; n <= deadline; n++) {
map = new HashMap<String, Object>();
currTime = add(date, Calendar.MONTH, n);
monPayRate = Double.valueOf(df_two.format(amount * monthRate));
monPayAmount = Double.valueOf(df_two.format(monPay - monPayRate));
amount = Double.valueOf(df_two.format(amount - monPayAmount));
if (n == deadline) {
monPay = payRemain;
monPayAmount = borrowSum - payAmount;
monPayRate = monPay - monPayAmount;
}
payAmount += monPayAmount;
payRemain = Double.valueOf(df_two.format(payRemain - monPay));
principalBalance = amount;
interestBalance = Double.valueOf(df_two.format(payRemain - principalBalance));
if (n == deadline) {
payRemain = 0;
principalBalance = 0;
interestBalance = 0;
}
totalSum = monPayAmount + monPayRate;
map.put("repayPeriod", n + "/" + deadline);
map.put("repayDate", sf.format(currTime));
map.put("stillPrincipal", df_two.format(monPayAmount));
map.put("principalBalance", df_two.format(principalBalance));
map.put("interestBalance", df_two.format(interestBalance));
map.put("stillInterest", df_two.format(monPayRate));
map.put("mRate", df_four.format(monthRate * 100));
map.put("totalSum", df_two.format(totalSum));
map.put("totalAmount", df_two.format(totalAmount));
mapList.add(map);
}
} else {
// 天标
map = new HashMap<String, Object>();
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
totalInterest = (monPayRate * deadline) / 30.0;
currTime = add(date, Calendar.DATE, deadline);
totalAmount = borrowSum + totalInterest;
map.put("repayPeriod", "1/1");
map.put("repayDate", sf.format(currTime));
map.put("stillPrincipal", df_two.format(borrowSum));
map.put("stillInterest", df_two.format(totalInterest));
map.put("principalBalance", 0);
map.put("interestBalance", 0);
map.put("mRate", df_four.format(monthRate * 100));
map.put("totalSum", df_two.format(totalAmount));
map.put("totalAmount", df_two.format(totalAmount));
mapList.add(map);
}
return mapList;
}
/**
* @MethodName: earnCalculateMonth msg 收益消息 realAmount 实际投资金额 totalInterest
* 收益利息 rewardSum 收益奖励 iManageFee 投资管理费 viewMode 显示模式 1 统计 2 展示
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-20 下午11:07:46
* @Return:
* @Descb: 按月等额还款收益
* @Throws:
*/
public Map<String, String> earnCalculateMonth(double realAmount, double borrowSum, double yearRate, int deadline, double excitationSum,
int isDayThe, int viewMode, double manageFeeRate) {
Map<String, String> mapEarn = new HashMap<String, String>();
StringBuffer msg = new StringBuffer();
double totalInterest = 0;
String m = "";
monthRate = (yearRate * 0.01) / 12;
if (isDayThe == 1) {
// 月标
monPay = Double.valueOf(borrowSum * monthRate * Math.pow((1 + monthRate), deadline))
/ Double.valueOf(Math.pow((1 + monthRate), deadline) - 1);
monPay = Double.valueOf(df_two.format(monPay));
amount = borrowSum;
monPayRate = 0;
monPayAmount = 0;
totalAmount = monPay * deadline;
payRemain = Double.valueOf(df_two.format(totalAmount));
for (int n = 1; n <= deadline; n++) {
map = new HashMap<String, Object>();
currTime = add(date, Calendar.MONTH, n);
monPayRate = Double.valueOf(df_two.format(amount * monthRate));
monPayAmount = Double.valueOf(df_two.format(monPay - monPayRate));
amount = Double.valueOf(df_two.format(amount - monPayAmount));
if (n == deadline) {
monPay = payRemain;
monPayAmount = borrowSum - payAmount;
monPayRate = monPay - monPayAmount;
}
payAmount += monPayAmount;
payRemain = Double.valueOf(df_two.format(payRemain - monPay));
if (n == deadline) {
payRemain = 0;
}
totalInterest = totalInterest + monPayRate;
}
totalInterest = totalInterest * (Double.valueOf(realAmount) / Double.valueOf(borrowSum));
totalInterest = Double.valueOf(df_four.format(totalInterest));
m = "个月";
} else {
// 天标
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
totalInterest = (monPayRate * deadline) / 30.0;
totalInterest = totalInterest * (Double.valueOf(realAmount) / Double.valueOf(borrowSum));
totalInterest = Double.valueOf(df_four.format(totalInterest));
m = "天";
}
iManageFee = totalInterest * manageFeeRate;
iManageFee = Double.valueOf(df_two.format(iManageFee));
earnAmount = realAmount + totalInterest - iManageFee;
earnAmount = Double.valueOf(df_two.format(earnAmount));
if (viewMode == 1) {
msg.append("投资期数" + deadline + m + ",月利率：" + df_four.format(monthRate * 100) + "%<br/>");
msg.append("投资金额：￥" + realAmount + "元<br/>到期收益利息：￥" + df_two.format(totalInterest) + "元<br/>");
msg.append("到期扣除投资管理费：￥" + iManageFee + "元<br/>");
msg.append("到期收益总额：￥" + earnAmount + "元");
} else {
msg.append("投标" + realAmount + "元,年利率：" + yearRate);
msg.append("%,期限" + deadline + m + ",可获得利息收益：￥" + df_two.format(totalInterest) + "元");
}
mapEarn.put("msg", msg.toString());
mapEarn.put("realAmount", realAmount + "");
mapEarn.put("totalInterest", totalInterest + "");
mapEarn.put("rewardSum", rewardSum + "");
mapEarn.put("iManageFee", iManageFee + "");
mapEarn.put("monthRate", monthRate + "");
return mapEarn;
}
/**
* @MethodName: rateCalculateSum repayPeriod 还款期数 repayDate 还款日期
* stillPrincipal 应还本金 stillInterest 应还利息 principalBalance 本金余额
* interestBalance 利息余额 mRate 月利率 totalSum 本息余额 totalAmount
* 还款总额
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-20 下午06:21:20
* @Return:
* @Descb: 按月先息后本
* @Throws:
*/
public List<Map<String, Object>> rateCalculateSum(double borrowSum, double yearRate, int deadline, int isDayThe) {
mapList = new ArrayList<Map<String, Object>>();
monthRate = (yearRate * 0.01) / 12;
if (isDayThe == 1) {
// 月标
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
totalInterest = monPayRate * deadline;
interestBalance = totalInterest;
for (int n = 1; n <= deadline; n++) {
map = new HashMap<String, Object>();
currTime = add(date, Calendar.MONTH, n);
if (n == deadline) {
stillAmount = borrowSum;
map.put("stillPrincipal", df_two.format(borrowSum));
map.put("principalBalance", 0);
map.put("interestBalance", 0);
} else {
interestBalance = interestBalance - monPayRate;
map.put("stillPrincipal", 0);
map.put("principalBalance", df_two.format(borrowSum));
map.put("interestBalance", df_two.format(interestBalance));
}
totalSum = stillAmount + monPayRate;
totalAmount = borrowSum + totalInterest;
map.put("repayPeriod", n + "/" + deadline);
map.put("repayDate", sf.format(currTime));
map.put("stillInterest", df_two.format(monPayRate));
map.put("mRate", df_four.format(monthRate * 100));
map.put("totalSum", df_two.format(totalSum));
map.put("totalAmount", df_two.format(totalAmount));
mapList.add(map);
}
} else {
map = new HashMap<String, Object>();
// 天标
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
totalInterest = (monPayRate * deadline) / 30.0;
currTime = add(date, Calendar.DATE, deadline);
totalAmount = borrowSum + totalInterest;
map.put("repayPeriod", "1/1");
map.put("repayDate", sf.format(currTime));
map.put("stillPrincipal", df_two.format(borrowSum));
map.put("stillInterest", df_two.format(totalInterest));
map.put("principalBalance", 0);
map.put("interestBalance", 0);
map.put("mRate", df_four.format(monthRate * 100));
map.put("totalSum", df_two.format(totalAmount));
map.put("totalAmount", df_two.format(totalAmount));
mapList.add(map);
}
return mapList;
}
/**
* @MethodName: earnCalculateSum msg 收益消息 realAmount 实际投资金额 totalInterest
* 收益利息 rewardSum 收益奖励 iManageFee 投资管理费 viewMode 显示模式 1 统计 2 展示
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-21 上午12:12:04
* @Return:
* @Descb: 先息后本收益
* @Throws:
*/
public Map<String, String> earnCalculateSum(double realAmount, double borrowSum, double yearRate, int deadline, double excitationSum,
int isDayThe, int viewMode) {
Map<String, String> mapEarn = new HashMap<String, String>();
StringBuffer msg = new StringBuffer();
double totalInterest = 0;
String m = "";
monthRate = Double.valueOf(yearRate * 0.01) / 12.0;
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
if (isDayThe == 1) {
// 月标
totalInterest = monPayRate * deadline;
totalInterest = totalInterest * (Double.valueOf(realAmount) / Double.valueOf(borrowSum));
totalInterest = Double.valueOf(df_four.format(totalInterest));
m = "个月";
} else {
// 天标
totalInterest = (monPayRate * (Double.valueOf(realAmount) / Double.valueOf(borrowSum))) / 30.0;
totalInterest = Double.valueOf(df_four.format(totalInterest));
m = "天";
}
iManageFee = totalInterest * 0.1;
iManageFee = Double.valueOf(df_two.format(iManageFee));
earnAmount = realAmount + totalInterest - iManageFee;
earnAmount = Double.valueOf(df_two.format(earnAmount));
if (viewMode == 1) {
msg.append("月利率：" + df_four.format(monthRate * 100) + "%,");
msg.append("投资期数" + deadline + m + "<br/>其中投资金额：￥" + realAmount + "元<br/>到期收益利息：￥" + df_two.format(totalInterest) + "元<br/>");
msg.append("到期扣除投资管理费：￥" + iManageFee + "元<br/>");
msg.append("到期收益总额：￥" + earnAmount + "元");
} else {
msg.append("投标" + realAmount + "元,年利率：" + yearRate);
msg.append("%,期限" + deadline + m + ",可获得利息收益：￥" + df_two.format(totalInterest) + "元");
}
mapEarn.put("msg", msg.toString());
mapEarn.put("realAmount", realAmount + "");
mapEarn.put("totalInterest", totalInterest + "");
mapEarn.put("rewardSum", rewardSum + "");
mapEarn.put("iManageFee", iManageFee + "");
mapEarn.put("monthRate", monthRate + "");
return mapEarn;
}
/**
* @MethodName: rateCalculateOne repayPeriod 还款期数 repayDate 还款日期
* stillPrincipal 应还本金 stillInterest 应还利息 principalBalance 本金余额
* interestBalance 利息余额 mRate 月利率 totalSum 本息余额 totalAmount
* 还款总额
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-20 下午09:54:20
* @Return:
* @Descb: 一次性还款
* @Throws:
*/
public List<Map<String, Object>> rateCalculateOne(double borrowSum, double yearRate, int deadline, int isDayThe) {
mapList = new ArrayList<Map<String, Object>>();
monthRate = Double.valueOf(yearRate * 0.01) / 12.0;
if (isDayThe == 1) {
// 月标
map = new HashMap<String, Object>();
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
totalInterest = monPayRate * deadline;
totalAmount = borrowSum + totalInterest;
currTime = add(date, Calendar.MONTH, deadline);
map.put("repayPeriod", "1/1");
map.put("repayDate", sf.format(currTime));
map.put("stillPrincipal", df_two.format(borrowSum));
map.put("stillInterest", df_two.format(totalInterest));
map.put("principalBalance", 0);
map.put("interestBalance", 0);
map.put("mRate", df_four.format(monthRate * 100));
map.put("totalSum", df_two.format(totalAmount));
map.put("totalAmount", df_two.format(totalAmount));
mapList.add(map);
} else {
map = new HashMap<String, Object>();
// 天标
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
totalInterest = (monPayRate * deadline) / 30.0;
currTime = add(date, Calendar.DATE, deadline);
totalAmount = borrowSum + totalInterest;
map.put("repayPeriod", "1/1");
map.put("repayDate", sf.format(currTime));
map.put("stillPrincipal", df_two.format(borrowSum));
map.put("stillInterest", df_two.format(totalInterest));
map.put("principalBalance", 0);
map.put("interestBalance", 0);
map.put("mRate", df_four.format(monthRate * 100));
map.put("totalSum", df_two.format(totalAmount));
map.put("totalAmount", df_two.format(totalAmount));
mapList.add(map);
}
return mapList;
}
/**
* @MethodName: earnCalculateOne msg 收益消息 realAmount 实际投资金额 totalInterest
* 收益利息 rewardSum 收益奖励 iManageFee 投资管理费 viewMode 显示模式 1 统计 2 展示
* @Param: AmountUtil
* @Author:
* @Date: 2013-4-21 上午12:13:12
* @Return:
* @Descb: 一次性还款收益
* @Throws:
*/
public Map<String, String> earnCalculateOne(double realAmount, double borrowSum, double yearRate, int deadline, double excitationSum,
int isDayThe, int viewMode, double manageFeeRate) {
Map<String, String> mapEarn = new HashMap<String, String>();
StringBuffer msg = new StringBuffer();
double totalInterest = 0;
String m = "";
monthRate = Double.valueOf(yearRate * 0.01) / 12.0;
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
if (isDayThe == 1) {
// 月标
totalInterest = monPayRate * deadline;
totalInterest = totalInterest * (Double.valueOf(realAmount) / Double.valueOf(borrowSum));
totalInterest = Double.valueOf(df_four.format(totalInterest));
m = "个月";
} else {
// 天标
totalInterest = (monPayRate * (Double.valueOf(realAmount) / Double.valueOf(borrowSum))) / 30.0;
totalInterest = Double.valueOf(df_four.format(totalInterest));
m = "天";
}
iManageFee = totalInterest * manageFeeRate;
iManageFee = Double.valueOf(df_two.format(iManageFee));
earnAmount = realAmount + totalInterest - iManageFee;
earnAmount = Double.valueOf(df_two.format(earnAmount));
if (viewMode == 1) {
msg.append("月利率：" + df_four.format(monthRate * 100));
msg.append("%,投资期数" + deadline + m + "<br/>其中投资金额：￥" + realAmount + "元<br/>到期收益利息：￥" + df_two.format(totalInterest));
msg.append("元<br/>到期扣除投资管理费：￥" + iManageFee + "元<br/>");
msg.append("到期收益总额：￥" + earnAmount + "元");
} else {
msg.append("投标" + realAmount + "元,年利率：" + yearRate);
msg.append("%,期限" + deadline + m + ",可获得利息收益：￥" + df_two.format(totalInterest) + "元");
}
mapEarn.put("msg", msg.toString());
mapEarn.put("realAmount", realAmount + "");
mapEarn.put("totalInterest", totalInterest + "");
mapEarn.put("rewardSum", rewardSum + "");
mapEarn.put("iManageFee", iManageFee + "");
mapEarn.put("monthRate", monthRate + "");
return mapEarn;
}
/**
* 合和年等额本息还款方式
*
* @param realAmount
* 投资金额
*/
public List<Map<String, Object>> earnCalculateMonthHhn(double borrowSum, int deadline, int isDayThe, double annualRate) {
mapList = new ArrayList<Map<String, Object>>();
// 等额本息还款:月还本金+月还利息+咨询费
if (isDayThe == 1) {
// 月还本金:借款总额 / 期数
principalBalance = borrowSum;
monPayAmount = (borrowSum / deadline);
monPayAmount = Double.valueOf(df_two.format(monPayAmount));
monPayRate = 0;
iManageFee = 0;
monthRate = (annualRate * 0.01) / 12; // 月利率
for (int n = 1; n <= deadline; n++) {
map = new HashMap<String, Object>();
currTime = add(date, Calendar.MONTH, n);
// 月还利息:剩余本金 * 月利率
monPayRate = principalBalance * monthRate;
// 咨询费:贷款总额*2.3% - 每期还款利息
iManageFee = borrowSum * 0.023 - monPayRate;
// 投资总收益:借款者每月还款金额:每月还款本金+每月还款利息+咨询费
earnAmount = monPayAmount + monPayRate;
// 到期还款总额:借款者每月还款金额:每月还款本金+每月还款利息+咨询费
totalAmount = monPayAmount + monPayRate + iManageFee;
if (n == deadline)
payRemain = 0;
currTime = add(date, Calendar.MONTH, n);
map.put("repayDate", sf.format(currTime));
map.put("earnAmount", df_two.format(earnAmount));
map.put("principalBalance", df_two.format(principalBalance));
map.put("totalAmount", df_two.format(totalAmount));
map.put("monPayRate", df_two.format(monPayRate));
map.put("iManageFee", df_two.format(iManageFee));
map.put("monPayAmount", df_two.format(monPayAmount));
map.put("deadline", n + "/" + deadline);
map.put("monthRate", monthRate + "");
map.put("currTime", currTime);
mapList.add(map);
// 剩余本金:借款总额 - 月还本金
principalBalance = principalBalance - monPayAmount;
}
// 纠正小数精度问题,最后一期的还款本金=剩余本金(可能为0)+月还本金
map = mapList.get(mapList.size() - 1);
map.put("monPayAmount", Double.valueOf(df_two.format(principalBalance + monPayAmount)));
} else {
// 天标
monPayRate = Double.valueOf(df_two.format(borrowSum * monthRate));
totalInterest = (monPayRate * deadline) / 30.0;
totalInterest = Double.valueOf(df_four.format(totalInterest));
}
return mapList;
}
public static void main(String[] args) {
List<Map<String, Object>> list = new AmountUtil().earnCalculateMonthHhn(10000, 12, 1, 10);
for (Map<String, Object> map : list) {
System.out.println(map);
//System.out.println("monPayAmount="+map.get("principalBalance")+" monPayAmount="+map.get("monPayAmount"));
}
}
/**
* 根据身份证查询性别 c_j
* @param isno
* @return
*/
public static String isnoQuerySex(String realName,String isno){
String d = realName.substring(0, 1);
if (isno.length()==18) {
String b = isno.substring(16, 17);
int c = Integer.parseInt(b);
if (c%2!=0) {
return d+"先生";
}else{
return d+"女士";
}
}else if(isno.length()==15){
String b = isno.substring(14, 15);
int c = Integer.parseInt(b);
if (c%2!=0) {
return d+"先生";
}else{
return d+"女士";
}
}else{
return realName;
}
}
}