diff --git a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
index 43489c4cf3..6390ec3082 100644
--- a/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
+++ b/anrui-riskcenter/anrui-riskcenter-biz/src/main/java/com/yxt/anrui/riskcenter/biz/loansolutions/LoanSolutionsService.java
@@ -1608,6 +1608,9 @@ public class LoanSolutionsService extends MybatisBaseService<LoanSolutionsMapper
     public static BigDecimal calculatePMT(double rate, double nper, double pv) {
         double v = (1 + (rate / 12));
         double t = (-(nper / nper) * nper);
+        if(rate == 0.0){
+            return BigDecimal.ZERO;
+        }
         double result = (pv * (rate / 12)) / (1 - Math.pow(v, t));
         return new BigDecimal(result);
     }