python写一个房贷计算器

在Python中，我们可以创建一个简单的房贷计算器程序，它通常会考虑本金、利率、贷款期限等因素。下面是一个基本的例子：

class MortgageCalculator:
    def __init__(self, principal, annual_interest_rate, loan_term_years):
        self.principal = principal
        self.annual_interest_rate = annual_interest_rate / 100  # 转换成小数形式
        self.loan_term_years = loan_term_years
        self.months_per_year = 12

    def monthly_interest_rate(self):
        return self.annual_interest_rate / self.months_per_year

    def monthly_payment(self):
        monthly_interest_rate = self.monthly_interest_rate()
        numerator = self.principal * monthly_interest_rate
        denominator = 1 - (1 + monthly_interest_rate) ** (-self.months_per_year * self.loan_term_years)
        return numerator / denominator

# 使用示例
principal = 500000  # 房贷金额
interest_rate = 4.5  # 年利率
term_years = 20  # 贷款年限

calculator = MortgageCalculator(principal, interest_rate, term_years)
monthly_payment = calculator.monthly_payment()
total_payment = monthly_payment * term_years * 12

print(f"每月还款额: {monthly_payment:.2f}元")
print(f"总还款额: {total_payment:.2f}元")