140 lines
4.5 KiB
Java
140 lines
4.5 KiB
Java
package com.tenwa.reckon.util;
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import java.math.BigDecimal;
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import com.tenwa.reckon.constant.Scale;
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/**
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*
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* @author SHIHONGFEI
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* @version 1.0
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* @copyright (C) TENWA 2011
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* @date 2011-2-17
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* @desc ( 利率计算类)
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*/
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public class RateTools {
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/**
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* 计算期利率
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*
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* @param calcRate所要计算的年利率或irr
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* @param lease_interval 每年几期
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* @param rateReCal 是否复算，越秀的需求 复算利率=(年利率*365/360/12 + 1)lease_interval次方 - 1
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* @return String
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*/
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public static String getPreRate(String calcRate, String lease_interval) {
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BigDecimal rateDecimal = new BigDecimal(calcRate);
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//2014-07-10 年利率先做四舍五入保留六位小数处理，再算期利率
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rateDecimal = rateDecimal.setScale(6,BigDecimal.ROUND_HALF_UP);
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try {
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rateDecimal = rateDecimal.divide(new BigDecimal("100"), 20, BigDecimal.ROUND_HALF_EVEN);//利率传过来是分子，所以要先除以100
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rateDecimal = rateDecimal.multiply(new BigDecimal(String.valueOf(12 / Integer.parseInt(lease_interval))));
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rateDecimal = rateDecimal.divide(new BigDecimal("12"), 20, BigDecimal.ROUND_HALF_UP);
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} catch (Exception e) {
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e.printStackTrace();
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}
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return rateDecimal.toString();
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}
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public static String getPreRate(String calcRate, String lease_interval,String type) {
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BigDecimal rateDecimal = new BigDecimal(calcRate);
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//2014-07-10 年利率先做四舍五入保留六位小数处理，再算期利率
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//rateDecimal = rateDecimal.setScale(6,BigDecimal.ROUND_HALF_UP);
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try {
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rateDecimal = rateDecimal.multiply(new BigDecimal(String.valueOf(12 / Integer.parseInt(lease_interval)))).multiply(new BigDecimal(365));
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if(type != null && type.equalsIgnoreCase("by_day")){
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rateDecimal = rateDecimal.divide(new BigDecimal(1200*360), 20, BigDecimal.ROUND_HALF_UP);
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}else{
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rateDecimal = rateDecimal.divide(new BigDecimal(1200*365), 20, BigDecimal.ROUND_HALF_UP);
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}
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} catch (Exception e) {
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e.printStackTrace();
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}
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return rateDecimal.toString();
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}
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/**
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* 根据年利率计算期利率，年利率需要在之前就做*365/360计算
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*
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* @param yearRate 经过*365/360处理后的利率
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* @param lease_interval 每年几期
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* @param rateReCal 是否复算，越秀的需求 复算利率=(年利率*365/360/12 + 1)lease_interval次方 - 1
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* @return String
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*/
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public static String getPreRateAfterYearRateReset(String yearRate, String lease_interval, String rateReCal) {
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BigDecimal rateDecimal = new BigDecimal(yearRate);
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try {
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rateDecimal = rateDecimal.divide(new BigDecimal("100"), 20, BigDecimal.ROUND_HALF_UP);//利率传过来是分子，所以要先除以100
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if(Integer.parseInt(rateReCal) == 0){//是否复算,0:复算 1:不复算
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rateDecimal = rateDecimal.divide(new BigDecimal(12), 20, BigDecimal.ROUND_HALF_UP);
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rateDecimal = rateDecimal.add(new BigDecimal(1));
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rateDecimal = rateDecimal.pow(12 / Integer.parseInt(lease_interval));
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rateDecimal = rateDecimal.subtract(new BigDecimal(1));
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} else {
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rateDecimal = rateDecimal.divide(new BigDecimal("12"), 20, BigDecimal.ROUND_HALF_UP);
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rateDecimal = rateDecimal.multiply(new BigDecimal(String.valueOf(12 / Integer.parseInt(lease_interval))));
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}
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} catch (Exception e) {
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e.printStackTrace();
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}
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return rateDecimal.toString();
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}
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/**
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* 计算每月利率值
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*
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* @Title: getPreRate
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* @Description:
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* @param
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* @param calcRate所要计算的年利率或irr
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* @param
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* @param lease_interval
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* 租金间隔
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* @param
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* @return
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* @return String
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* @throws
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*/
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public static String getPreMonthRate(String calcRate) {
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BigDecimal rateDecimal = new BigDecimal(calcRate);
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try {
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rateDecimal = rateDecimal.divide(new BigDecimal("100"), 20, BigDecimal.ROUND_HALF_UP).divide(new BigDecimal("12"), 20, BigDecimal.ROUND_HALF_UP);
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} catch (Exception e) {
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e.printStackTrace();
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}
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return rateDecimal.toString();
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}
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/**
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* 计算每天的利率
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* yearRate : 年利率乘以100后的数值，%号前边的值。
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*/
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public static BigDecimal getPreDayRate(String yearRateStr) {
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BigDecimal yearRate = new BigDecimal(yearRateStr);
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BigDecimal dayRate = yearRate.divide(new BigDecimal(36000), Scale.RATE_SCALE, BigDecimal.ROUND_HALF_EVEN);
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return dayRate;
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}
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/**
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* 计算每天的利率(按365)
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* yearRate : 年利率乘以100后的数值，%号前边的值。
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*/
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public static BigDecimal getPreDayRate(String yearRateStr,String type) {
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BigDecimal yearRate = new BigDecimal(yearRateStr);
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BigDecimal dayRate = yearRate.divide(new BigDecimal(360), Scale.RATE_SCALE, BigDecimal.ROUND_HALF_EVEN);
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if(type!=null && type.length()>=3){
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type = type.substring(3);
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}
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if(type!=null && type.matches("^\\d+$")){
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dayRate = yearRate.divide(new BigDecimal(type), Scale.RATE_SCALE, BigDecimal.ROUND_HALF_EVEN);
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}
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return dayRate;
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}
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}
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