python写一个房贷计算器1-30年

在Python中编写一个房贷计算器，通常会涉及用户输入贷款金额、年利率、贷款期限等信息，并计算每月还款额以及总利息支出。这里是一个简单的函数示例，假设采用等额本息还款法：

def mortgage_calculator(principal, annual_interest_rate, loan_term_years):
    # 将年利率转换为小数
    monthly_interest_rate = annual_interest_rate / 12
    total_months = loan_term_years * 12

    # 等额本息还款公式
    monthly_payment = principal * (monthly_interest_rate * (1 + monthly_interest_rate)**total_months) / ((1 + monthly_interest_rate)**total_months - 1)

    # 计算总利息
    total_interest = monthly_payment * total_months - principal

    return {
        "monthly_payment": round(monthly_payment, 2),
        "total_interest": round(total_interest, 2)
    }

# 示例使用
principal = float(input("请输入贷款本金(万元): "))
annual_interest_rate = float(input("请输入年利率(百分比): ")) / 100
loan_term_years = int(input("请输入贷款年限(年): "))

result = mortgage_calculator(principal, annual_interest_rate, loan_term_years)
print(f"月供: {result['monthly_payment']}万元")
print(f"总利息: {result['total_interest']}万元")