房贷计算

最新推荐文章于 2023-12-20 14:31:00 发布

aoliwa123

最新推荐文章于 2023-12-20 14:31:00 发布

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分类专栏： python 文章标签：房贷等额本息

本文链接：https://blog.csdn.net/aoliwa123/article/details/78567873

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# -*- coding: utf-8 -*-

"""
Created on Fri Nov 17 20:13:51 2017



def debt_calc_equal_bj(years , year_rate , total, arg=1.1, flag = 1):
    print('等额本金')
    year_rate *= arg
    month = years*12
    if flag == 1:
       print('指数计算利率')
       month_rate = (1+year_rate)**( 1 / 12 ) - 1
    else:
       print('平均计算利率')
       month_rate = (year_rate/ 12)  

    print('月利率：%s'%(month_rate*100))
    month_pay_origin = total/month
    print('每月本金:%s'%month_pay_origin)
    pay = 0
    month_fee = []
    remain = total
    for i in range(month):            
       pay += month_pay_origin + remain * month_rate
       month_fee.append(remain*month_rate+month_pay_origin)
       remain -= month_pay_origin
    print('总利息：%2f'%(pay-total))
    print('total pay:%s'%pay)
    return month_fee

def debt_calc_equal_bx(years , year_rate ,  total ,arg = 1.1 , flag=0):
    print('等额本息')
    month = years * 12
    year_rate *= arg
    if flag == 1:
        print('指数计算利率')
        month_rate = (1+year_rate)**( 1 / 12 ) - 1
    else:
        print('平均计算利率')
        month_rate = (year_rate/ 12)  

    print('月利率：%s '%(month_rate*100)+'%')

    month_origin = []
    month_origin.append(month_rate/((1+month_rate)**month-1)*total)
    for i in range(1,month):
       month_origin.append(month_origin[i-1]*(1+month_rate))
    month_fee = month_origin[0]+total*month_rate
    print('月供：%s'%month_fee)
    pay = month_fee * month
    print('总利息：%f'%(pay-total))
    print('总共还款：%s'%pay)

    return month_origin