python组合贷款计算器

在Python中，可以编写一个简单的组合贷款计算器来帮助用户计算按揭贷款的月供、总利息以及贷款期限等信息。这个计算器通常会考虑本金、利率、贷款期限和还款频率等因素。下面是一个基本的函数示例：

def loan_calculator(principal, interest_rate, term_years, payment_frequency):
    # 将年利率转换为小数形式
    annual_interest_rate = interest_rate / 100

    # 计算月利率
    monthly_interest_rate = annual_interest_rate / (payment_frequency * 12)

    # 计算贷款期数（月份）
    total_months = term_years * 12

    # 每月还款额公式：PMT = [P * r(1+r)^n] / [(1+r)^n - 1]
    # 其中 P 是本金，r 是月利率，n 是期数
    monthly_payment = principal * monthly_interest_rate * (1 + monthly_interest_rate) ** total_months \
                      / ((1 + monthly_interest_rate) ** total_months - 1)

    # 总利息 = 总还款额 - 本金
    total_interest = monthly_payment * total_months - principal

    return {
        "monthly_payment": round(monthly_payment, 2),
        "total_interest": round(total_interest, 2),
        "total_cost": round(monthly_payment * total_months, 2),  # 含本金和利息
        "remaining_balance": 0,  # 假设每月结清部分贷款，这里不实际计算剩余余额
        "term_years": term_years,
    }

# 示例使用
principal = 500000  # 贷款金额
interest_rate = 4.5  # 年利率
term_years = 30  # 贷款年限
payment_frequency = 12  # 每月还款

result = loan_calculator(principal, interest_rate, term_years, payment_frequency)
print("月供:", result["monthly_payment"])
print("总利息:", result["total_interest"])
print("总成本（含本金）:", result["total_cost"])