import math
def get_a(a, b, n):
up = a * math.pow((1 + b / 1200), n * 12)
down = 1
for i in range(1, n * 12):
down = down + math.pow((1 + b / 1200), i)
A = up / down
print("========等额本息=========")
print("贷款总额:%.2f,年化率:%.2f,还款年数:%d" % (a, b, n))
print("还款总额:%.2f,利息总额:%.2f,月还款:%.2f" % (A * n * 12, A * n * 12 - a, A))
def get_b(a, b, n):
A = float(a) / (n * 12)
B = a * (b / 1200)
C = A * (b / 1200)
D = (B + C) * n * 6
print("========等额本金=========")
print("贷款总额:%.2f,年化率:%.2f,还款年数:%d" % (a, b, n))
print("还款总额:%.2f,利息总额:%.2f,首月还款:%.2f,每月递减:%.2f" % (D + a, D, A + B, C))
if __name__ == '__main__':
# 贷款金额 年化率 贷款年限
get_a(800000, 6.37, 30)
get_b(800000, 6.37, 30)