python还房贷_【开课吧python】全职妈妈用Python做出房贷计算系统

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源代码分享

import csv

import math

while True:

choice=int(input('请输入贷款方式(1.纯商贷；2.商贷和公积金组合贷)：'))

if choice==1:

loan_money1=int(input('请您输入您的商业贷款金额(整数)：')) loan_year=int(input('2020年银行基准利率：贷款1年期以下4.35%;贷款1-5年期4.75%;贷款5年以上4.9%，请选择还款年限，输入数字即可：'))

year_rate1 = 0

if loan_year<=1:

year_rate1 = 0.0435

elif 1

year_rate1 = 0.0475

elif 5

year_rate1 = 0.0490

month_rate1 = year_rate1/12

loan_month = loan_year*12

sum_money1 = 0

with open("commercial_loan.csv","a",newline='',encoding='GBK') as listfile: writer = csv.writer(listfile, dialect='excel')

header = ['贷款方式(1.纯商贷；2.商贷和公积金组合贷)','期次','商贷偿还本息(元)','商贷偿还本金(元)','商贷偿还利息(元)']

writer.writerow(header)

for i in range(1, loan_month + 1):

print("第" + str(i) + "月还款情况")

month_money1 = (loan_money1 * month_rate1 * (1 + month_rate1) ** loan_month) / (

(1 + month_rate1) ** loan_month - 1)

month_capital1 = loan_money1 * month_rate1 * ((1 + month_rate1) ** (i - 1)) / ((1 + month_rate1) ** loan_month - 1)

month_interest1 = month_money1 - month_capital1

sum_money1 = sum_money1+month_money1 writer.writerow([choice,str(i)+"期",round(month_money1,2),round(month_capital1,2),round(month_interest1,2)])

sum_interest1 = sum_money1 - loan_money1

total_header1 = ['贷款方式(1.纯商贷；2.商贷和公积金组合贷)','总期次', '累计商贷还款总额', '商贷还款本金','商贷累计支付利息'] writer.writerow(total_header1)

total_data1 = [choice,str(loan_month)+"期",round(sum_money1,2),round(loan_money1,2),round(sum_interest1,2)]

writer.writerow(total_data1)

elif choice==2:

loan_money1=int(input('请您输入您的商业贷款金额(整数)：')) loan_money2=int(input('请您输入您的公积金贷款金额(整数)：')) loan_year=int(input('2020年银行基准利率及公积金贷款利率：贷款1年期以下4.35% 公积金贷款利率2.75%;贷款1-5年期4.75% 公积金贷款利率2.75%;贷款5年以上4.9% 公积金贷款利率3.25%，请选择还款年限，输入数字即可：'))

year_rate1 = 0

year_rate2 = 0

if loan_year<=1:

year_rate1 = 0.0435

year_rate2 = 0.0275

elif 1

year_rate1 = 0.0475

year_rate2 = 0.0275

elif 5

year_rate1 = 0.0490

year_rate2 = 0.0325

month_rate1 = year_rate1/12

month_rate2 = year_rate2/12

loan_month = loan_year*12

sum_money1 = 0

sum_money2 = 0

with open("commercial_housingfund_loan.csv","a",newline='',encoding='GBK') as listfile:

writer = csv.writer(listfile, dialect='excel')

header = ['贷款方式(1.纯商贷；2.商贷和公积金组合贷)','期次','商贷偿还本息(元)','公积金偿还本息(元)','商贷偿还本金(元)','公积金偿还本金(元)','商贷偿还利息(元)','公积金偿还利息(元)']

writer.writerow(header)

for i in range(1, loan_month + 1):

print("第" + str(i) + "月还款情况")

month_money1 = (loan_money1 * month_rate1 * (1 + month_rate1) ** loan_month) / (

(1 + month_rate1) ** loan_month - 1)

month_money2 = (loan_money2 * month_rate2 * (1 + month_rate2) ** loan_month) / (

(1 + month_rate2) ** loan_month - 1)

month_capital1 = loan_money1 * month_rate1 * ((1 + month_rate1) ** (i - 1)) / ((1 + month_rate1) ** loan_month - 1)

month_capital2 = loan_money2 * month_rate2 * ((1 + month_rate2) ** (i - 1)) / ((1 + month_rate2) ** loan_month - 1)

month_interest1 = month_money1 - month_capital1

month_interest2 = month_money2 - month_capital2

sum_money1 = sum_money1+month_money1

sum_money2 = sum_money2+month_money2 writer.writerow([choice,str(i)+"期", round(month_money1,2), round(month_money2,2),round(month_capital1,2), round(month_capital2,2),round(month_interest1,2),round(month_interest2,2)]) sum_interest1 = sum_money1 - loan_money1

sum_interest2 = sum_money2 - loan_money2

total_header1 = ['贷款方式(1.纯商贷；2.商贷和公积金组合贷)','总期次', '累计商贷还款总额','累计公积金贷还款总额', '商贷偿还本金','公积金贷偿还本金', '商贷累计支付利息','公积金贷累计支付利息']

writer.writerow(total_header1)

total_data1 = [choice,str(loan_month)+"期次", round(sum_money1,2),round(sum_money2,2), round(loan_money1,2),round(loan_money2,2), round(sum_interest1,2),round(sum_interest2,2)] writer.writerow(total_data1)

total_loan = loan_money1 + loan_money2

sum_money = sum_money1 + sum_money2

total_interest = sum_interest1 + sum_interest2

total_header2 = ['贷款方式(1.纯商贷；2.商贷和公积金组合贷)','总期次', '累计贷款还款总额','贷款本金','贷款累计支付利息']

writer.writerow(total_header2)

total_data2 = [choice,str(loan_month)+"期次", round(sum_money,2), round(total_loan,2), round(total_interest,2)]

writer.writerow(total_data2)

a=int(input('是否继续进行贷款测算系统，输入1进入系统，输入2退出系统'))

if a==1:

continue

elif a==2:

print('欢迎再次使用！')

break