最近写了一个关于金融的项目，在这遇到的一些概念和算法不是很懂，于是就问别人和百度了一翻。其实关键是要理解什么是“等额本金、等额本息”，然后用数学的算法算一下，再转化成java代码去计算【算法】
以下就是用最通俗的语句来理解“等额本金、等额本息”: 等额本金定义：本金保持相同，利息逐月递减，月还款数递减。适合于有计划提前还贷。 等额本息定义：本金逐月递增，利息逐月递减，月还款数不变。
等额本息还款法:
每月月供额=贷款本金×月利率×（1+月利率）还款月数/[（1+月利率）还款月数-1]每月应还利息=贷款本金×月利率×〔(1+月利率)^还款月数-(1+月利率)^(还款月序号-1)〕÷〔(1+月利率)^还款月数-1〕每月应还本金=贷款本金×月利率×(1+月利率)^(还款月序号-1)÷〔(1+月利率)^还款月数-1〕总利息=还款月数×每月月供额-贷款本金等额本金还款法:
每月月供额=(贷款本金÷还款月数)+(贷款本金-已归还本金累计额)×月利率每月应还本金=贷款本金÷还款月数每月应还利息=剩余本金×月利率=(贷款本金-已归还本金累计额)×月利率每月月供递减额=每月应还本金×月利率=贷款本金÷还款月数×月利率总利息=〔(总贷款额÷还款月数+总贷款额×月利率)+总贷款额÷还款月数×(1+月利率)〕÷2×还款月数-总贷款额等额本金：
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 * 总借款额（贷款本金） * @param yearRate * 总年利率 * @param otherRate * 加息年利率 * @param unit * 单位：年，月 * @param month * 还款总月数 * @return 每月偿还本金和利息,不四舍五入，直接截取小数点最后两*/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; //已还本息 // 每月本金 BigDecimal monthPri = getPerMonthPrincipal(investMoney, totalMonth); // 获取总月利率 BigDecimal monthRate = yearRate.divide(new BigDecimal(month),6, BigDecimal.ROUND_DOWN);//向下取6位 // 获取加息部分月利率 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) //最后一个月的本金= 总金额-已还总金额 52 monthPri = investMoney.subtract(totalAmount); totalAmount = totalAmount.add(monthPri); // (贷款本金-已归还本金累计额)×月利率 BigDecimal monthInvest = investMoney.subtract(monthPri.multiply(new BigDecimal(i-1))).multiply(monthRate); //每月回款的总利息 BigDecimal monthOtherInvest = investMoney.subtract(monthPri.multiply(new BigDecimal(i-1))).multiply(monthOtherRate); //每月回款的财务支付利息 //每月回款金额 = 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); //每月回款总额 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 * 总借款额（贷款本金） * @param yearRate * 年利率 * @param month * 还款总月数 * @return 每月偿还利息 */ 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：每天应还利息 = 本金*月利率/起息当月天数 * @param invest * 总借款额（贷款本金） * @param yearRate * 年利率 * @param totalDay * 起息当月天数 * @return 每天偿还利息 */ 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,获取月利率 BigDecimal income = invest.multiply(monthRate).divide(new BigDecimal(totalDay),6, BigDecimal.ROUND_DOWN); return income.setScale(6, BigDecimal.ROUND_DOWN); } /** * 等额本金计算获取还款方式为等额本金的每月偿还本金(每月回款本金) * * 公式：每月应还本金=贷款本金÷还款月数 * * @param invest * 总借款额（贷款本金） * @param yearRate * 年利率 * @param month * 还款总月数 * @return 每月偿还本金 */ private static BigDecimal getPerMonthPrincipal(BigDecimal invest, int totalMonth) { BigDecimal monthIncome = invest.divide(new BigDecimal(totalMonth), 2, BigDecimal.ROUND_DOWN); return monthIncome; } /** * 等额本金计算获取还款方式为等额本金的总利息 * * @param invest * 总借款额（贷款本金） * @param yearRate * 年利率 * @param month * 还款总月数 * @return 总利息 */ 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("等额本金---每月本息：" + getPerMonthPrincipalInterest); BigDecimal benjin = getPerMonthPrincipal(invest, month); System.out.println("等额本金---每月本金:" + benjin); Map<String, Object> mapInterest = getPerMonthInterest(invest, yearRate, month); System.out.println("等额本金---每月利息:" + mapInterest); BigDecimal count = getInterestCount(invest, yearRate, month); System.out.println("等额本金---总利息：" + count); System.out.println(getPerMonthInterestByDay(invest, yearRate, 31)); } }等额本息：
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;/** * 本息计算器 * @Description: 本息算法 */public class PrincipalAndInterestEquals { /** * 调试 * @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（等额本息）："+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());// } } /** * 月转年，乘以12 */ private static final BigDecimal MONTH_YEAR = new BigDecimal("12"); /** * 天转月，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"); /** * 利率百分数转换 */ private static final BigDecimal RATE_CONVERT_PERCENT = new BigDecimal("100"); ///-------------------------------等额本息 /** * 等额本息 —— 计算每期还款本息和 * <p>设贷款额为a，月利率为i，年利率为I，还款月数为n，每月还款额为b，还款利息总和为Y<br/> * 月均还款:b＝a×i×（1＋i）^n÷〔（1＋i）^n－1〕</p> * @param periods 期数，单位：月 * @param rate 年利率 * @param unit 期数单位（目前仅支持年、月、日） * @param money 要分期的金额 * @param roundingMode 小数位处理 * @return 每期还款额，如单位年，则为每年还款额 */ 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);//将年利率转换成月利率 /* * 设贷款额为a，月利率为i，年利率为I，还款月数为n，每月还款额为b，还款利息总和为Y * 月均还款: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);//每月还款本息和// System.out.println("每月还款本息："+monthMoney);// System.out.println("通过每月还款本息计算的还款总和："+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; } /** * 等额本息 —— 计算各个月份的还款额（<font color='red'>仅支持月</font>） * <p>设贷款额为a，月利率为i，年利率为I，还款月数为n，每月还款额为b，还款利息总和为Y<br/> * 第n月还款利息为:（a×i－b）×（1＋i）^（n－1）＋b</p> * <p>未完成：单位为年和日的，间隔不是1的情况</p> * @param periods 分期数，单位：月 * @param rate 年利率 * @param unit 单位（<font color='red'>仅支持月</font>） * @param money 贷款总金额 * @param roundingMode 小数位处理 * @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);//计算月利率 /* * 设贷款额为a，月利率为i，年利率为I，还款月数为n，每月还款额为b，还款利息总和为Y * 第n月还款利息为:（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);//临时：利息总额 BigDecimal totalBenjin = new BigDecimal(0);//临时：本金总额 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) { //最后一期的计算，将计算中因小数位导致数据不对称的补充回来 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("还款利息总额：" + totalLixi);// System.out.println("还款本金总额：" + totalBenjin); return stageResult; } /** * 等额本息 —— 按照公式计算第n期的信息 * @param n 第n期 * @param periods 分期数 * @param rate 月利率 * @param unit 单位（目前仅支持年、月） * @param money 总本金额 * @param roundingMode 小数位取值方式 * @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); /* * 设贷款额为a，月利率为i，年利率为I，还款月数为n，每月还款额为b，还款利息总和为Y * 第n月还款利息为:（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; } ///-------------------------------等额本金 /** * 等额本息 —— 计算每期信息 * <p>公式：每月还款金额 = （贷款本金 / 还款月数）+（本金 — 已归还本金累计额）×每月利率</p> * * @param periods 分期数 * @param rate 年利率 * @param money 本金总额 * @param roundingMode 小数位处理 * @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<>(); //每月还款本金 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; } }等本等息为民间借贷、分期购物、银行分期中的一种还款方式。 月还款为：本金+利息。 举例说明，假设借款额3万元，借款期限12个月，预计年化借款利率12%，等本等息还款，每月月末归还本金及利息，则公式如下：每月归还本金＝贷款3万÷12期＝2500元，预计年利息＝3万×12%＝3600元，为月息300元，那就是每个月需还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 本等息计算器 * @Description: 本息算法 */public class PrincipalAndInterestEquals2 { /** * 调试 * @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());// } } /** * 月转年，乘以12 */ private static final BigDecimal MONTH_YEAR = new BigDecimal("12"); /** * 天转月，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"); /** * 利率百分数转换 */ private static final BigDecimal RATE_CONVERT_PERCENT = new BigDecimal("100"); ///-------------------------------等本等息 /** * 等本等息 —— 计算每期信息 * <p>算法：第n月还款利息为:贷款总额 * 年利率 / 分期数</p> * @param periods 分期数，单位月 * @param rate 利率 * @param money 贷款总额 * @param roundingMode 小数位处理 * @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 算法疑问：最后一期会与前面的不一样// 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 —— 计算前n期之和，时间单位支持年、月、日（按照公式计算） * <br/>但对最后一期本金或利息不会“多退少补”计算，本方法完全按照公式走 * @param n 要计算的期数，单位：月 * @param periods 分期数 * @param rate 年利率 * @param unit 时间单位 * @param money 总金额 * @param roundingMode 小数位取值方式 * @return 如果要获取的期数超过分期期数，则返回总本息信息 */ 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;//期数校验 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的时间大于分期数情况，计算总和 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类
package com.enums;import com.fasterxml.jackson.databind.annotation.JsonSerialize;@JsonSerialize(as = StringValueTextEnum.class)public enum TimeUnits implements StringValueTextEnum { /** 分 */ minute("minute", "分"), /** 时 */ hour("hour", "时"), /** 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公共类
package com.bo;import java.math.BigDecimal;/** * 分期计算结果类 * */public class LoanProductStageVo { //本息和 private BigDecimal principalAddInterset; //本金 private BigDecimal principal; //利息 private BigDecimal interset; /** * 本息和（单独的公式计算，每月相同） * @return */ public BigDecimal getPrincipalAddInterset() { if(principalAddInterset == null && principal != null && interset != null) { principalAddInterset = principal.add(interset); } return principalAddInterset; } /** * 本息和（单独的公式计算，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; }}就到这了，希望这些能帮到大家！
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