房贷计算器c++代码

在C++编写房贷计算器代码时，首先我们需要考虑一些基本的变量，如贷款金额、年利率、贷款期限、还款方式等。这里是一个简单的例子，使用控制台输入并计算每月还款额：

#include <iostream>
#include <cmath>

// 定义房贷计算函数
double calculateMonthlyPayment(double loanAmount, double annualInterestRate, int years, int monthsPerYear, bool isFixedRate) {
    double monthlyInterestRate = annualInterestRate / 100.0 / monthsPerYear;
    if (isFixedRate) {
        return loanAmount * monthlyInterestRate * (1 + monthlyInterestRate) * years * 12 / ((1 + monthlyInterestRate) * years * 12 - 1);
    } else { // 如果是浮动利率，这里仅作为示例，实际需获取当前月利率
        // 假设固定按揭比例
        double mortgageRatio = 0.8; // 比如80%
        return loanAmount * mortgageRatio / (years * monthsPerYear * (1 + annualInterestRate / 12));
    }
}

int main() {
    double loanAmount, annualInterestRate;
    int years, monthsPerYear;
    std::cout << "请输入贷款金额（元）: ";
    std::cin >> loanAmount;
    std::cout << "请输入年利率（%）: ";
    std::cin >> annualInterestRate;
    std::cout << "请输入贷款年限（年）: ";
    std::cin >> years;
    std::cout << "请输入每年的还款月数: ";
    std::cin >> monthsPerYear;

    bool isFixedRate;
    std::cout << "贷款是固定利率还是浮动利率? (1-固定，2-浮动): ";
    std::cin >> isFixedRate;

    if (isFixedRate == 1) {
        double monthlyPayment = calculateMonthlyPayment(loanAmount, annualInterestRate, years, monthsPerYear, true);
        std::cout << "每月应还款额为: " << monthlyPayment << "元\n";
    } else if (isFixedRate == 2) {
        double monthlyPayment = calculateMonthlyPayment(loanAmount, annualInterestRate, years, monthsPerYear, false);
        std::cout << "每月应还款额为: " << monthlyPayment << "元\n";
    } else {
        std::cout << "无效的选择。\n";
    }

    return 0;
}