贷款等额本金与等额本息还款计算器python3实现

等额本息还款计算逻辑

1、等额本息还款法每期应还额（月供）相等，计算公式为：
$P=\frac{i\ast (1+i{)}^n}{(1+i{)}^n-1}\ast C$
P：每期应还额
i：月利率 = 年利率 / 12
n：期数
C：本金

2、计算出每期应还额后再计算每期应还利息和应还本金：
每期应还利息 = 剩余本金余额 * 月利率
每期应还本金 = 每期应还额 - 每期应还利息

等额本金还款计算逻辑

1、计算等额本金每期应还本金：
每期应还本金 = 本金 / 期数

2、计算每期应还利息和每期应还额
每期应还利息 = 剩余本金余额 * 月利率
每期应还额 = 每期应还本金 + 每期应还利息

python3计算等额本息与等额本金还款计划

import pandas as pd
class financeCalculator():
    def __init__(self,Corpus,numOfPeriod,Interest):
        '''3个入参：本金 / 期数 / 利率（年利率）'''
        self.Corpus = Corpus
        self.numOfPeriod = numOfPeriod
        self.Interest = Interest

    def calPayPerPeriod(self):
        '''等额本息计算每期还款额的公式'''
        r = self.Interest / 12 / 100
        return r * (1+r)**self.numOfPeriod * self.Corpus / ((1+r)**self.numOfPeriod - 1)

    def averageCorpusPlusInterest(self):
        '''计算等额本息还款计划表'''
        interestList,paidCorpus,unpaidCorpus = [],[],[]
        r = self.Interest / 12 / 100
        for i in range(self.numOfPeriod):
            balance = self.Corpus - sum(paidCorpus)
            payInte = balance * r
            interestList.append(payInte)
            payPerPeriod = self.calPayPerPeriod()
            paidCorpus.append(payPerPeriod - payInte)
            unpaidCorpus.append(balance)
        unpaidCorpus = unpaidCorpus[1:] + [0]
        df = pd.DataFrame({'期数':list(range(1,self.numOfPeriod+1)),'月供':[payPerPeriod]*self.numOfPeriod,
                          '月供本金':paidCorpus,'月供利息':interestList,'本金余额':unpaidCorpus})
        df = df.set_index('期数').round(2).reset_index()
        summary = ['总计',round(df['月供'].sum(),2),round(df['月供本金'].sum()),
               round(df['月供利息'].sum(),2),'--']
        df = df.append(pd.Series(summary,index=df.columns),ignore_index=True)
        return df

    def averageCorpus(self):    
        '''计算等额本金还款计划表'''
        paidCorpus,unpaidCorpus,interestList,payPerPeriod = [],[],[],[]
        r = self.Interest / 12 / 100
        for i in range(self.numOfPeriod):
            balance = self.Corpus - sum(paidCorpus)
            payInte = balance * r
            unpaidCorpus.append(balance)
            paidCorpus.append(self.Corpus / self.numOfPeriod)
            interestList.append(payInte)
            payPerPeriod.append(self.Corpus / self.numOfPeriod + payInte)
        unpaidCorpus = unpaidCorpus[1:] + [0]
        df = pd.DataFrame({'期数':list(range(1,self.numOfPeriod+1)),'月供':payPerPeriod,
                          '月供本金':paidCorpus,'月供利息':interestList,'本金余额':unpaidCorpus})
        df = df.set_index('期数').round(2).reset_index()
        summary = ['总计',round(df['月供'].sum(),2),round(df['月供本金'].sum()),
               round(df['月供利息'].sum(),2),'--']
        df = df.append(pd.Series(summary,index=df.columns),ignore_index=True)
        return df

调用例子

fc = financeCalculator(6000,3,24)
fc.averageCorpusPlusInterest()

fc.averageCorpus()