Question

我正在尝试使用存储在数组中的不同值进行一些计算。问题是我的数组的值增加但计算结果正在减少。

主：

public static void main(String[] args) {
    double pay, rate, deposit;
    int years;
    char yes = 'y';
    char answer;
    double[] interest = new double[15];
    interest[0] = 3.75;
    interest[1] = 4.00;
    interest[2] = 4.25;
    interest[3] = 4.50;
    interest[4] = 4.75;
    interest[5] = 5.00;
    interest[6] = 5.25;
    interest[7] = 5.50;
    interest[8] = 5.75;
    interest[9] = 6.00;
    interest[10] = 6.25;
    interest[11] = 6.50;
    interest[12] = 6.75;
    interest[13] = 7.00;
    interest[14] = 7.25;

    mortgageClass mortgagePayment = new mortgageClass();

    Scanner keyboard = new Scanner(System.in);

    System.out.print("Are you a first time buyer? ");
    answer = keyboard.next().charAt(0);
    if (answer == yes)
    {
        mortgagePayment.setRate(4.50);
    }
    else
    {
        mortgagePayment.setRate(interest[0]);
    }

    System.out.print("What is your mortage term? ");
    years = keyboard.nextInt();
    mortgagePayment.setTermYears(years);

    System.out.print("What is your amount of mortgage? ");
    pay = keyboard.nextDouble();
    mortgagePayment.setAmount(pay);

    System.out.print("What is your deposit amount? ");
    deposit = keyboard.nextDouble();
    mortgagePayment.setdepositAmt(deposit);

    System.out.printf("Your mortgage payment is %.2f ", mortgagePayment.getMonthlyPayment());
    System.out.println();

    for ( int i = 0; i < interest.length; i++ ){
        mortgagePayment.setRate(interest[i]);
        System.out.printf("Your mortgage payment is %.2f ", mortgagePayment.getMonthlyPayment());
        System.out.println();
    }
}

MortgagePayment Class

public class mortgageClass {

    private double rate;
    private double loanAmount;
    private double depositAmt;
    private int termYears;

    public void setRate(double r) {
        rate = r;
    }

    public void setAmount(double loan) {
        loanAmount = loan;
    }

    public void setTermYears(int years) {
        termYears = years;
    }

    public void setdepositAmt(double amount) {
        depositAmt = amount;
    }

    public double getMonthlyPayment() {
        rate /= 100.0;
        loanAmount = loanAmount - depositAmt;
        double monthlyRate = rate / 12.0;
        int termMonths = termYears * 12;
        double monthlyPayment = (loanAmount * monthlyRate)
                / (1 - Math.pow(1 + monthlyRate, -termMonths));
        return monthlyPayment;
    }
}

输出正在减少

Your mortgage payment is 1309.00 
Your mortgage payment is 1220.49 //my output
Your mortgage payment is 1128.42

什么时候应该增加

Your mortgage payment is 1309.00 
Your mortgage payment is 1331.44 //Expected output
Your mortgage payment is 1354.10

显然第一个值是正确分配的，为什么增量不起作用？

编辑：我添加了一个print语句，看看是否正在使用正确的值，看起来好像是

  for ( int i = 0; i < interest.length; i++ ){
    mortgagePayment.setRate(interest[i]);
    //System.out.printf("Your mortgage payment is %.2f ", mortgagePayment.getMonthlyPayment());
    System.out.println(interest[i]);
    System.out.printf("Your mortgage payment is %.2f ", mortgagePayment.getMonthlyPayment());
    System.out.println();

输出：

3.75
Your mortgage payment is 1309.00 
4.0
Your mortgage payment is 1220.49 
4.25
Your mortgage payment is 1128.42 
4.5
Your mortgage payment is 1032.74

.....我想知道为什么计算正在减少。

Answer 1

跳过

interest[i] = i + 1;

第二次编辑：

问题是

loanAmount = loanAmount - depositAmt;

每次致电mortgagePayment.getMonthlyPayment()

它减少了贷款额，这就是为什么月度金额下降

建议改变：

 public double getloanAmount(){

        return loanAmount - depositAmt;
    }

    public double getMonthlyPayment() {
        rate /= 100.0;

        double loanAmount = getloanAmount();

        double monthlyRate = rate / 12.0;

        int termMonths = termYears * 12;

   double monthlyPayment = (loanAmount * monthlyRate) / (1 - Math.pow(1 + monthlyRate, -termMonths));

        return monthlyPayment;
    }

这将解决问题。

已编辑：使用这个每月按揭付款

M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1]

The variables are as follows:

    M = monthly mortgage payment
    P = the principal, or the initial amount you borrowed.
    i = your monthly interest rate. Your lender likely lists interest rates as an annual figure, 
        so you’ll have to divide by 12, for each month of the year. So, if your rate is 5%, 
        then the monthly rate will look like this: 0.05/12 = 0.004167.
    n = the number of payments, or the payment period in months. If you take out a 30-year fixed rate mortgage, 
        this means: n = 30 years x 12 months per year = 360 payments.

对于循环增量数组向后

1 个答案: