求贷款46万元，期限360期，年利率3.25%的等额本金每月还款数的程序 求贷款46万元，期限360期，年利率3.25%的等额本金每月还款数的程序 求贷款46万元，期限360月，年利率3.25%的等额本息每月还款数、总利息数、总还款数的程序

对于贷款46万元，期限360期（月），年利率3.25%，我们可以分别计算等额本金和等额本息的每月还款额、总利息以及总还款数。以下是两个程序的说明及示例代码：

1. **等额本金还款法**：

def calculate_equity_pledge(monthly_payment, total_loan, loan_term):
    interest_rate_per_month = annual_interest_rate / 12
    total_interest = 0

    for month in range(loan_term):
        monthly_interest = remaining_principal * interest_rate_per_month
        total_interest += monthly_interest
        remaining_principal -= monthly_payment
        yield {
            'month': month + 1,
            'repayment': monthly_payment,
            'interest': monthly_interest,
            'principal_remaining': remaining_principal,
            'total_interest': total_interest,
        }

# 设置具体数值
total_loan = 460000
loan_term = 360
annual_interest_rate = 3.25 / 100
monthly_payment = total_loan / loan_term

# 计算过程略...

2. **等额本息还款法**（也称为“每月等额本息”）：

def calculate_equity_interest(monthly_payment, total_loan, loan_term, annual_interest_rate):
    monthly_interest_rate = annual_interest_rate / 12
    unpaid_principal = total_loan
    total_interest = 0

    for month in range(loan_term):
        interest = unpaid_principal * monthly_interest_rate
        monthly_repayment = monthly_interest + (unpaid_principal * (monthly_interest_rate * (1 + monthly_interest_rate)**month) / ((1 + monthly_interest_rate)**month - 1))
        total_interest += interest
        unpaid_principal -= monthly_repayment
        yield {
            'month': month + 1,
            'repayment': monthly_repayment,
            'interest': interest,
            'principal_paid': monthly_repayment - interest,
            'total_interest': total_interest,
            'total_payment': total_interest + unpaid_principal
        }

# 等额本息同上，只需调用此函数