python房贷模拟器

以下是Python房贷模拟器的代码实现：

# -*- coding: utf-8 -*-
# Python房贷模拟器

def calculate_loan(principal, rate, years):
    """
    计算房贷每月还款额
    :param principal: 贷款本金
    :param rate: 贷款利率
    :param years: 贷款年限
    :return: 每月还款额
    """
    months = years * 12
    monthly_rate = rate / 12
    payment = principal * monthly_rate * (1 + monthly_rate) ** months / ((1 + monthly_rate) ** months - 1)
    return payment

if __name__ == '__main__':
    principal = float(input("请输入贷款本金（万元）："))
    rate = float(input("请输入贷款利率（%）：")) / 100
    years = int(input("请输入贷款年限（年）："))
    payment = calculate_loan(principal, rate, years)
    print("每月还款额为：%.2f 元" % payment)