手续费计算BigDecimal

public static BigDecimal ratecalc(BigDecimal payAmount,String payType){BigDecimal rate = new BigDecimal(0);//利率if(payType.equals("wechat")){rate = new BigDecimal(0.06);}if(payType.equals("alipay")){rate = new BigDecimal(0.07);}    BigDecimal interest = payAmount.multiply(rate); //相乘      BigDecimal calcinterestRate = payAmount.subtract(interest); //相减    BigDecimal resMoney= calcinterestRate.setScale(2, BigDecimal.ROUND_HALF_UP);//四舍五入,向上取整    return resMoney;}

    NumberFormat currency = NumberFormat.getCurrencyInstance(); //建立货币格式化引用      NumberFormat percent = NumberFormat.getPercentInstance();  //建立百分比格式化引用      percent.setMaximumFractionDigits(3); //百分比小数点最多3位      BigDecimal loanAmount = new BigDecimal("150.48"); //贷款金额      BigDecimal num = new BigDecimal("150");    BigDecimal interestRate = new BigDecimal("0.008"); //利率     BigDecimal interest1 = loanAmount.subtract(num); //相减    BigDecimal interest2 = loanAmount.multiply(interestRate); //相乘      System.out.println(interest1);    System.out.println("贷款金额:\t" + currency.format(loanAmount)); //贷款金额: ￥150.48      System.out.println("利率:\t" + percent.format(interestRate));  //利率: 0.8%      System.out.println("利息:\t" + currency.format(interest2)); //利息: ￥1.20