c++不使用函数制作一个含等额本息与等额本金的房贷计算器

在C++中，我们可以不直接使用函数创建一个房贷计算器，而是通过类和结构体结合控制台输入来模拟计算过程。这里我们简单地构建一个结构体来存储贷款的相关信息，如贷款总额、利率、期限等，并提供一些成员函数来实现等额本息（按月还款）和等额本金（每月偿还本金固定，利息逐期减少）的计算。

首先，创建一个简单的结构体：

#include <iostream>
#include <cmath>

// 贷款信息结构体
struct Loan {
    double loanAmount;
    double annualInterestRate;
    int loanTermInYears;

    // 等额本息和等额本金计算方法可以添加到这里
};

// 计算等额本息的月供
double calculateMonthlyAmortizationEMI(Loan& loan) {
    double monthlyInterestRate = loan.annualInterestRate / 1200; // 将年利率转换为月利率
    double totalPayments = loan.loanTermInYears * 12; // 总月数

    return (loan.loanAmount * monthlyInterestRate) / (1 - pow(1 + monthlyInterestRate, -totalPayments));
}

// 计算等额本金的月供
double calculateMonthlyAmortizationPP(Loan& loan) {
    double monthlyInterestRate = loan.annualInterestRate / 1200;
    double remainingBalance = loan.loanAmount;
    double monthlyPayment = loan.loanAmount / loanTermInYears;

    for (int i = 0; i < totalPayments; ++i) {
        double interestOnly = remainingBalance * monthlyInterestRate;
        monthlyPayment -= interestOnly;
        remainingBalance -= monthlyPayment;
    }

    return monthlyPayment;
}

然后，创建主函数来获取用户输入并展示结果：

int main() {
    Loan loan;
    std::cout << "请输入贷款金额: ";
    std::cin >> loan.loanAmount;
    std::cout << "请输入年利率: ";
    std::cin >> loan.annualInterestRate;
    std::cout << "请输入贷款年限(年): ";
    std::cin >> loan.loanTermInYears;

    double emi = calculateMonthlyAmortizationEMI(loan);
    double pp = calculateMonthlyAmortizationPP(loan);

    std::cout << "等额本息月供: " << emi << "\n";
    std::cout << "等额本金月供: " << pp << "\n";

    return 0;
}

这个程序会提示用户输入贷款金额、利率和贷款年限，然后分别显示等额本息和等额本金的月供。注意这只是一个基础示例，实际应用可能需要更完善的错误处理和用户交互界面。