能否提供一个Java代码示例来计算房贷还款？

当然可以。下面是一个简化的Java代码示例，用于计算每月等额本息还款，假设月利率固定不变：

import java.util.Scanner;

public class MortgageCalculator {
    private double loanAmount;
    private double annualInterestRate;
    private int loanTermInYears;
    private double monthlyInterestRate;
    private double monthlyPayment;
    private double remainingBalance;

    public MortgageCalculator(double loanAmount, double annualInterestRate, int loanTermInYears) {
        this.loanAmount = loanAmount;
        this.annualInterestRate = annualInterestRate / 100; // 将年利率转换为小数形式
        loanTermInYears *= 12; // 转换为月
        monthlyInterestRate = annualInterestRate / 12;
        calculateMonthlyPayment();
    }

    private void calculateMonthlyPayment() {
        double numerator = annualInterestRate * loanAmount;
        double denominator = (1 - Math.pow(1 + annualInterestRate, -loanTermInYears));
        monthlyPayment = numerator / denominator;
    }

    public void repayLoan() {
        for (int month = 1; month <= loanTermInYears; month++) {
            System.out.printf("第%02d个月：月还款额 %.2f 元\n", month, monthlyPayment);
            remainingBalance -= monthlyPayment;
            if (remainingBalance < 0.0001) { // 当剩余余额接近0时停止
                break;
            }
            monthlyPayment = calculateMonthlyPayment(); // 刷新月供，因为剩余本金会影响实际利息
        }
        System.out.println("贷款已还清！");
    }

    public static void main(String[] args) {
        Scanner scanner = new Scanner(System.in);
        System.out.print("请输入贷款金额：");
        double loanAmountInput = scanner.nextDouble();
        System.out.print("请输入年利率（百分比）：");
        double interestRateInput = scanner.nextDouble();
        System.out.print("请输入贷款期限（年）：");
        int termInYearsInput = scanner.nextInt();
        MortgageCalculator mortgage = new MortgageCalculator(loanAmountInput, interestRateInput, termInYearsInput);
        mortgage.repayLoan();
    }
}