存款买房python函数

存款买房通常涉及计算按揭贷款的相关金额，可以编写一个简单的Python函数来模拟这个过程。例如，我们可以创建一个函数，接受首付比例、房价总值、贷款年数以及年利率作为输入参数，然后返回每月还款额和总共需要支付的利息。

def calculate_mortgage(deposit_percentage, house_price, loan_years, annual_interest_rate):
    # 首付计算
    down_payment = house_price * deposit_percentage

    # 剩余贷款金额
    loan_amount = house_price - down_payment

    # 贷款期限转化为月数
    months_in_loan = loan_years * 12

    # 计算月供（等额本息还款）
    monthly_interest_rate = annual_interest_rate / 12
    mortgage_monthly = (loan_amount * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** (- loan_amount

    return mortgage_monthly, total_interest

# 示例使用
deposit = 0.25  # 首付25%
house_price = 1000000  # 房价100万
years = 20  # 贷款20年
interest_rate = 0.048  # 年利率4.8%

monthly_repayment, total_interest_paid = calculate_mortgage(deposit, house_price, years, interest_rate)
print(f"每月还款额: {monthly_repayment}, 总利息: {total_interest_paid}")