本关任务：编写一个程序，由用户输入住房贷款和贷款年限，程序输出不同利率下的月还款额和总还款额，利率从 5%～8%，增长间隔为 1/8。例如，如果输入贷款额 10000 元人民币，贷款期限 5 年，程序应输出如下内容：用java

在Java中编写这个程序，你可以创建一个简单的类`LoanCalculator`，它包含计算月还款额和总还款额的方法。这里是一个基础的示例：

import java.util.Scanner;

class LoanCalculator {
    private double loanAmount;
    private int loanTermYears;
    private double interestRates[] = {0.05, 0.06, 0.07, 0.08}; // 利率数组

    public LoanCalculator(double loanAmount, int loanTermYears) {
        this.loanAmount = loanAmount;
        this.loanTermYears = loanTermYears;
    }

    public void calculateMonthlyPayment(double rate) {
        double monthlyRate = rate / 1200; // 将年利率转换为月利率
        double monthlyPayment = loanAmount * monthlyRate / (1 - Math.pow(1 + monthlyRate, -loanTermYears * 12));
        System.out.printf("利率 %.1f%% 时，月还款额：%.2f 元，总还款额：%.2f 元\n", rate, monthlyPayment, monthlyPayment * loanTermYears * 12);
    }

    public static void main(String[] args) {
        Scanner scanner = new Scanner(System.in);
        System.out.println("请输入贷款金额（元）:");
        double loanAmount = scanner.nextDouble();
        System.out.println("请输入贷款期限（年）:");
        int loanTermYears = scanner.nextInt();

        LoanCalculator calculator = new LoanCalculator(loanAmount, loanTermYears);
        for (double rate : interestRates) {
            calculator.calculateMonthlyPayment(rate);
        }
        scanner.close();
    }
}

在这个程序中，用户首先输入贷款金额和贷款期限，然后计算器会遍历给定的利率数组，对于每个利率计算月还款额和总还款额，并打印出来。