用python编写房贷计算器组合贷款

在Python中编写房贷计算器，尤其是涉及到组合贷款，通常会包括计算固定利率部分和浮动利率部分的月供以及总利息。这里是一个简单的示例，假设我们有一个包含固定利率和浮动利率的组合贷款：

class MortgageCalculator:
    def __init__(self, fixed_rate, fixed_amount, floating_rate, floating_amount, total_term):
        self.fixed_rate = fixed_rate
        self.fixed_amount = fixed_amount
        self.floating_rate = floating_rate
        self.floating_amount = floating_amount
        self.total_term = total_term  # 年数
        self.months = total_term * 12

    def fixed_interest(self):
        return (self.fixed_amount * self.fixed_rate / 100) * self.months

    def floating_interest(self, current_rate):
        return self.floating_amount * current_rate / 12 * self.months

    def total_monthly_payment(self, current_rate=None):
        if current_rate is None:
            return self.fixed_amount + self.floating_interest(current_rate)
        else:
            return self.fixed_interest() + self.floating_interest(current_rate)

    def calculate_total_cost(self):
        total_fixed = self.fixed_interest()
        total_flowing = self.floating_interest()
        return total_fixed + total_flowing

# 使用示例
fixed_rate = 3.5
fixed_amount = 1000000
floating_rate = 0.5  # 可能根据市场调整
floating_amount = 600000
total_term = 20

calculator = MortgageCalculator(fixed_rate, fixed_amount, floating_rate, floating_amount, total_term)
current_rate = 0.04  # 当前的浮动利率
monthly_payment = calculator.total_monthly_payment(current_rate)
total_cost = calculator.calculate_total_cost()

print(f"每月还款额: {monthly_payment}")
print(f"总成本: {total_cost}")