EduCoder-Linux 与 Python编程2021-Python面向对象编程实训-第3关：比较各种贷款的利弊

任务描述

本关利用上一关实现的三个类，比较三种贷款方式，在同等额度贷款、同等时限下，最后还给银行的总金额。

相关知识

请补全 compareMortgages 函数，compareMortgages 函数的各参数说明如下：
amt：贷款总额；
years：贷款年限；
fixedRate：固定利息率，不预付点数贷款方式的利息率；
pts：预付点数；
ptsRate：固定利息率，但预付一定点数贷款方式的利息率；
varRate1：可变利息贷款的引诱利率；
varRate2：可变利息贷款的第二种利息率；
varMonths：引诱利息月份。

编程要求

本关的编程任务是，补全step3/7-3.py文件中 Begin-End 区间的代码，以实现比较各种贷款利弊的要求。具体要求如下：

本关要求补全 compareMortgages 函数，然后分别计算三种贷款方式，最后还给银行的总金额，以此为依据，来对比三种贷款方式的利弊；
具体请参见后续测试样例。
本关涉及的代码文件7-3.py的代码框架如下：

def findPayment(loan, r, m):
    return loan * ((r * (1 + r) ** m) / ((1 + r) ** m - 1))
class Mortgage(object):
     def __init__(self, loan, annRate, months):
         self.loan = loan
         self.rate = annRate / 1200.0
         self.months = months
         self.paid = [0.0]
         self.owed = [loan]
         self.payment = findPayment(loan, self.rate, self.months)
         self.legend = None
     def makePayment(self):
         self.paid.append(self.payment)
         reduction = self.payment - self.owed[-1] * self.rate
         self.owed.append(self.owed[-1] - reduction)
     def getTotalPaid(self):
         return sum(self.paid)
     def __str__(self):
         return str(self.legend)
class Fixed(Mortgage):
    def __init__(self, loan, r, months):
        Mortgage.__init__(self, loan, r, months)
        self.legend = 'Fixed, ' + str(r) + '%, for ' + str(months) + ' months'
class FixedWithPoints(Mortgage):
    def __init__(self, loan, r, months, pts):
        Mortgage.__init__(self, loan, r, months)
        self.pts = pts
        self.paid = [loan * (pts / 100.0)]
        self.legend = 'Fixed, ' + str(r) + '%, ' + str(pts) + ' points, for ' + str(months) + ' months'
class TwoRate(Mortgage):
    def __init__(self, loan, r, months, teaserRate, teaserMonths):
        Mortgage.__init__(self, loan, teaserRate, months)
        self.teaserMonths = teaserMonths
        self.teaserRate = teaserRate/1200
        self.nextRate = r / 1200.0
        self.legend = str(teaserRate)\
                      + '% for ' + str(self.teaserMonths)\
                      + ' months, \n then ' + str(r) + '%, for ' + str(months) + ' months'
    def makePayment(self):
        if len(self.paid) == self.teaserMonths + 1:
            self.rate = self.nextRate
            self.payment = findPayment(self.owed[-1], self.rate, self.months - self.teaserMonths)
        Mortgage.makePayment(self)
def compareMortgages(amt, years, fixedRate, pts, ptsRate, varRate1, varRate2, varMonths):
    # 请在此添加代码，补全函数compareMortgages
    #********** Begin *********#
    #********** End *********#
    for m in range(totMonths):
        # 请在此添加代码，补全函数compareMortgages
        #********** Begin *********#
        #********** End *********#
    for m in morts:
        print(m)
        print('Loan ' + str(amt) + ' Total payments = ' + str(int(m.getTotalPaid())))
if __name__=="__main__":
    compareMortgages(200000, 30, 7, 3.25, 5, 4.5, 9.5, 48)
    print('*'*40)
    compareMortgages(1000000, 30, 7, 20, 5, 4.5, 9.5, 48)
    print('*' * 40)
    compareMortgages(500000, 10, 7, 20, 5, 4.5, 9.5, 48)

测试说明

平台会对你编写的代码进行测试：

测试输入：

无输入

预期输出：

Fixed, 7%, for 360 months
Loan 200000 Total payments = 479017
Fixed, 5%, 3.25 points, for 360 months
Loan 200000 Total payments = 393011
4.5% for 48 months,
then 9.5%, for 360 months
Loan 200000 Total payments = 551444

---

Fixed, 7%, for 360 months
Loan 1000000 Total payments = 2395088
Fixed, 5%, 20 points, for 360 months
Loan 1000000 Total payments = 2132557
4.5% for 48 months,
then 9.5%, for 360 months
Loan 1000000 Total payments = 2757224

---

Fixed, 7%, for 120 months
Loan 500000 Total payments = 696650
Fixed, 5%, 20 points, for 120 months
Loan 500000 Total payments = 736393
4.5% for 48 months,
then 9.5%, for 120 months
Loan 500000 Total payments = 678254

开始你的任务吧，祝你成功！

只要路是对的，就不怕路远。

代码示例

def findPayment(loan, r, m):
    return loan * ((r * (1 + r) ** m) / ((1 + r) ** m - 1))
class Mortgage(object):
     def __init__(self, loan, annRate, months):
         self.loan = loan
         self.rate = annRate / 1200.0
         self.months = months
         self.paid = [0.0]
         self.owed = [loan]
         self.payment = findPayment(loan, self.rate, self.months)
         self.legend = None
     def makePayment(self):
         self.paid.append(self.payment)
         reduction = self.payment - self.owed[-1] * self.rate
         self.owed.append(self.owed[-1] - reduction)
     def getTotalPaid(self):
         return sum(self.paid)
     def __str__(self):
         return str(self.legend)
class Fixed(Mortgage):
    def __init__(self, loan, r, months):
        Mortgage.__init__(self, loan, r, months)
        self.legend = 'Fixed, ' + str(r) + '%, for ' + str(months) + ' months'
class FixedWithPoints(Mortgage):
    def __init__(self, loan, r, months, pts):
        Mortgage.__init__(self, loan, r, months)
        self.pts = pts
        self.paid = [loan * (pts / 100.0)]
        self.legend = 'Fixed, ' + str(r) + '%, ' + str(pts) + ' points, for ' + str(months) + ' months'
class TwoRate(Mortgage):
    def __init__(self, loan, r, months, teaserRate, teaserMonths):
        Mortgage.__init__(self, loan, teaserRate, months)
        self.teaserMonths = teaserMonths
        self.teaserRate = teaserRate/1200
        self.nextRate = r / 1200.0
        self.legend = str(teaserRate)\
                      + '% for ' + str(self.teaserMonths)\
                      + ' months, \n then ' + str(r) + '%, for ' + str(months) + ' months'
    def makePayment(self):
        if len(self.paid) == self.teaserMonths + 1:
            self.rate = self.nextRate
            self.payment = findPayment(self.owed[-1], self.rate, self.months - self.teaserMonths)
        Mortgage.makePayment(self)
def compareMortgages(amt, years, fixedRate, pts, ptsRate, varRate1, varRate2, varMonths):
    # 请在此添加代码，补全函数compareMortgages
        #********** Begin *********#
    totMonths = years * 12
    fixed1 = Fixed(amt, fixedRate, totMonths)
    fixed2 = FixedWithPoints(amt, ptsRate, totMonths, pts)
    twoRate = TwoRate(amt, varRate2, totMonths, varRate1, varMonths)
    morts = [fixed1, fixed2, twoRate]
        #********** End *********#
    for m in range(totMonths):
        # 请在此添加代码，补全函数compareMortgages
        #********** Begin *********#
        for mort in morts:
            mort.makePayment()
        #********** End *********#
    for m in morts:
        print(m)
        print('Loan ' + str(amt) + ' Total payments = ' + str(int(m.getTotalPaid())))
if __name__=="__main__":
    compareMortgages(200000, 30, 7, 3.25, 5, 4.5, 9.5, 48)
    print('*'*40)
    compareMortgages(1000000, 30, 7, 20, 5, 4.5, 9.5, 48)
    print('*' * 40)
    compareMortgages(500000, 10, 7, 20, 5, 4.5, 9.5, 48)