房贷计算公式如下： 每月月供参考 = 贷款金额 × [月利率 × (1 + 月利率) ^ 还款月数] ÷ { [(1 +月利率) ^ 还款月数] - 1} 还款总额 = 每月月供参考 × 期限 × 12 支付利息 = 还款总额 - 贷款金额 × 10000 python

房贷计算的Python代码示例通常涉及将上述公式转换成函数形式。下面是一个简单的实现：

def mortgage_calculator(loan_amount, monthly_interest_rate, loan_term_years):
    # 将年期转为月数
    loan_term_months = loan_term_years * 12
    
    # 计算每月月供
    monthly_payment = loan_amount * (monthly_interest_rate * (1 + monthly_interest_rate)**loan_term_months) / ((1 + monthly_interest_rate)**loan_term_months - 1)
    
    # 计算总还款额
    total_repayment = monthly_payment * loan_term_months * 12
    
    # 计算支付的利息
    interest_paid = total_repayment - loan_amount * 10000  # 这里的10000假设是贷款本金的一万倍简化

    return monthly_payment, total_repayment, interest_paid

# 示例
loan_amount = 500000  # 贷款金额（元）
monthly_interest_rate = 0.0048  # 年利率（例如4.8%）
loan_term_years = 20  # 贷款年限（年）

monthly_payment, total_repayment, interest_paid = mortgage_calculator(loan_amount, monthly_interest_rate, loan_term_years)
print(f"每月月供：{monthly_payment:.2f}元")
print(f"总还款额：{total_repayment:.2f}元")
print(f"支付利息：{interest_paid:.2f}元")