Bank, LoanableAccount abstarct class

package BankAccounts;

import java.time.LocalDate;

import BankClients.Client;
import BankExceptions.BankLoanException;
import BankInterfaces.Loanable;
import BankPkg.AccountType;
import BankPkg.BankUtils;

public abstract class LoanableAccount extends Account implements Loanable {

    protected double loanAmount;
    protected int payments;

    public LoanableAccount(String personName, int personId,
            LocalDate birthDate, AccountType type) throws Exception {
        this(new Client(personName, personId, birthDate), type);
    }

    public LoanableAccount(LoanableAccount other) {
        super(other);
        this.loanAmount = other.loanAmount;
        this.payments = other.payments;
    }

    public LoanableAccount(Client owner, AccountType type) throws Exception {
        super(owner, type);
        this.loanAmount = 0;
        this.payments = 0;
    }

    public double getLoanAmount() {
        return this.loanAmount;
    }

    public int getPayments() {
        return this.payments;
    }

    @Override
    public boolean giveLoan(double sum, int payments) {

        if (this.loanAmount == 0 || this.payments == 0) {
            double amountWithFee = sum * (1 + BankUtils.getLoanfee());

            this.loanAmount = amountWithFee;
            this.payments = payments;

            return true;
        }
        try {
            throw new BankLoanException(this, sum);
        } catch (BankLoanException e) {
            // TODO Auto-generated catch block
            e.printStackTrace();
        }
        return false;
    }

    public boolean loanPaymentReturn() {
        double onePayment = this.loanAmount / this.payments;
        double onePaymentWithFee = onePayment * (1 + BankUtils.getLoanfee());

        if (this.accountBalance - onePaymentWithFee >= this.accountCredit) {
            this.accountBalance -= onePaymentWithFee;
            this.loanAmount -= onePayment;
            this.payments -= 1;
            return true;
        }
        return false;
    }

    @Override
    public String loanReturnByMonth() {
        double amountWithFee = this.loanAmount * (1 + BankUtils.getLoanfee());
        double onePayment = amountWithFee / this.payments;
        String result = String.format(
                "Account id=%d, Loan amount=%f, payments number=%d\n",
                this.accountId, this.loanAmount, this.payments);
        for (int i = 0; i < this.payments; i += 1) {
            result += String.format("Payment #%02d : %10.2f\n", i, onePayment);
        }
        return result;
    }

    @Override
    protected String feildsAsString() {
        return super.feildsAsString()
                + String.format(", loanAmount=%f, payments=%d", loanAmount,
                        payments);
    }
}