练习-Java循环综合练习一之住房贷款还款计算

在Java中，我们可以创建一个简单的程序来进行住房贷款还款计算的练习。这个综合练习通常涉及到循环，比如for循环或while循环，以及基本的数学运算。下面是一个基础的示例：

class MortgageCalculator {
    // 假设固定利率贷款
    private double interestRate;
    private int loanAmount;
    private int years;
    private double monthlyPayment;

    public MortgageCalculator(double interestRate, int loanAmount, int years) {
        this.interestRate = interestRate / 100; // 将百分比转换为小数
        this.loanAmount = loanAmount;
        this.years = years;
        calculateMonthlyPayment();
    }

    private void calculateMonthlyPayment() {
        double totalPayments = years * 12;
        monthlyPayment = (loanAmount * interestRate * (1 + interestRate) ** totalPayments) / ((1 + interestRate) ** totalPayments - 1);
    }

    public double getMonthlyPayment() {
        return monthlyPayment;
    }

    public static void main(String[] args) {
        MortgageCalculator mortgage = new MortgageCalculator(4.5, 500000, 20); // 示例贷款，年利率4.5%，贷款金额50万，期限20年

        System.out.println("每月应还贷款额为：" + mortgage.getMonthlyPayment() + "元");
    }
}

在这个例子中，我们首先定义了一个MortgageCalculator类，它有利息率、贷款金额、贷款年限等属性，并有一个方法`calculateMonthlyPayment()`用于计算月供。`main`函数展示了如何实例化这个类并打印出每月还款额。