c++制作一个含等额本息与等额本金的房贷计算器

在C++中制作房贷计算器，可以包含两个部分：等额本息还款法和等额本金还款法。这里是一个简单的示例程序框架，我们将使用结构体和函数来实现这两种计算方式：

#include <iostream>
#include <cmath>

// 定义贷款信息结构体
struct LoanInfo {
    double amount; // 贷款金额
    double interest_rate; // 年利率
    int term_years; // 还款年数
    int payment_interval; // 每月还款间隔
    bool method; // 选择还款方式，0 - 等额本息，1 - 等额本金
};

// 计算等额本息还款
double equalInstallmentPayment(LoanInfo loan) {
    double monthly_interest = loan.interest_rate / 1200;
    double numerator = loan.amount * (monthly_interest * pow(1 + monthly_interest, loan.term_years * 12));
    double denominator = pow(1 + monthly_interest, loan.term_years * 12) - 1;
    return numerator / denominator;
}

// 计算等额本金还款
double equalPrincipalPayment(LoanInfo loan) {
    double total_payment = loan.amount * loan.interest_rate * (loan.term_years * 12);
    double remaining_amount = loan.amount;
    double monthly_payment = total_payment / loan.term_years;

    for (int month = 1; month <= loan.term_years * 12; ++month) {
        if (remaining_amount > 0) {
            double interest = remaining_amount * loan.interest_rate / 12;
            monthly_payment -= interest;
            remaining_amount -= monthly_payment;
        }
    }

    return monthly_payment;
}

// 主函数
int main() {
    LoanInfo loan;
    std::cout << "请输入贷款金额（元）：";
    std::cin >> loan.amount;
    std::cout << "请输入年利率（百分比）：";
    std::cin >> loan.interest_rate;
    std::cout << "请输入贷款年限（年）：";
    std::cin >> loan.term_years;
    std::cout << "请选择还款方式（0 - 等额本息，1 - 等额本金）：";
    std::cin >> loan.method;

    double payment;
    if (loan.method == 0)
        payment = equalInstallmentPayment(loan);
    else if (loan.method == 1)
        payment = equalPrincipalPayment(loan);
    else
        return 1; // 错误输入

    std::cout << "每月还款额为：" << payment << " 元。\n";

    return 0;
}