python房贷计算

Python可以用来编写房贷计算的简单程序，通常涉及到每月还款额、总利息、贷款年限和利率等变量。以下是一个基本的房贷计算器模型：

def mortgage_calculator(total_loan_amount, interest_rate, loan_term_years):
    # 将年利率转换为月利率
    monthly_interest_rate = interest_rate / 1200

    # 计算月供（按等额本息法）
    monthly_payment = total_loan_amount * (monthly_interest_rate * (1 + monthly_interest_rate) ** loan_term_years) / ((1 + monthly_interest_rate) ** loan_term_years - 1)

    return {
        "total_monthly_payment": round(monthly_payment, 2),
        "total_interest_paid": round(monthly_payment * loan_term_years * 12 - total_loan_amount, 2),
        "loan_term_months": loan_term_years * 12,
    }

# 示例使用
loan_amount = 500000  # 贷款金额（元）
interest_rate = 4.8 / 100  # 年利率
loan_term = 20  # 贷款期限（年）

result = mortgage_calculator(loan_amount, interest_rate, loan_term)
print(f"月供：{result['total_monthly_payment']}元")
print(f"总利息：{result['total_interest_paid']}元")
print(f"贷款期：{result['loan_term_months']}个月")