房贷计算器python代码

以下是一个房贷计算器的Python代码，支持等额本息和等额本金两种还款方式的计算：

import math

# 等额本息还款方式
def calc_average_capital_plus_interest(p, r, n):
    r_month = r / 12  # 月利率
    a = (1 + r_month) ** n
    b = (1 + r_month) ** n - 1
    monthly_payment = p * r_month * a / b  # 月均还款额
    total_payment = monthly_payment * n  # 还款总额
    total_interest = total_payment - p  # 总利息
    return monthly_payment, total_payment, total_interest

# 等额本金还款方式
def calc_average_capital(p, r, n):
    r_month = r / 12  # 月利率
    monthly_principal = p / n  # 每月应还本金
    total_interest = 0  # 总利息
    total_payment = 0  # 还款总额
    for i in range(n):
        monthly_interest = (p - i * monthly_principal) * r_month  # 每月应还利息
        monthly_payment = monthly_principal + monthly_interest  # 每月应还款额
        total_payment += monthly_payment  # 累计还款总额
        total_interest += monthly_interest  # 累计还款总利息
        print('第{}个月，月供本金：{}元，月供利息：{}元，月供总额：{}元'.format(i + 1, round(monthly_principal, 2), round(monthly_interest, 2), round(monthly_payment, 2)))
    return monthly_payment, total_payment, total_interest

# 测试
p = 1000000  # 贷款本金
r = 0.0588  # 年利率
n = 360  # 贷款期限（月）
print('等额本息还款方式：')
mp1, tp1, ti1 = calc_average_capital_plus_interest(p, r, n)
print('月均还款额：{}元，还款总额：{}元，总利息：{}元'.format(round(mp1, 2), round(tp1, 2), round(ti1, 2)))
print('等额本金还款方式：')
mp2, tp2, ti2 = calc_average_capital(p, r, n)
print('月均还款额：{}元，还款总额：{}元，总利息：{}元'.format(round(mp2, 2), round(tp2, 2), round(ti2, 2)))