用pathon实现组合贷

在Python中实现组合贷款（如房贷、车贷等混合贷款）通常涉及到计算每月还款额、总利息支出以及贷款期限内的现金流分析。以下是一个简单的例子，展示如何使用Python来模拟这种情况：

class Loan:
    def __init__(self, loan_type, principal, rate, term):
        self.loan_type = loan_type
        self.principal = principal
        self.rate = rate / 100  # 将利率转换为小数形式
        self.term = term * 12  # 将年期转为月期

    def monthly_payment(self):
        if self.loan_type == 'Mortgage':
            return mortgage_payment(self.principal, self.rate, self.term)
        elif self.loan_type == 'CarLoan':
            return car_loan_payment(self.principal, self.rate, self.term)
        else:
            raise ValueError("Unsupported loan type")

def mortgage_payment(principal, rate, term):
    # 使用等额本息还款公式
    monthly_rate = rate / 12
    n = term
    numerator = (monthly_rate * pow(1 + monthly_rate, n))
    denominator = pow(1 + monthly_rate, n) - 1
    return principal * numerator / denominator

def car_loan_payment(principal, rate, term):
    # 简单假设按照固定利率计算，这里仅作示例
    return principal * rate / term

# 示例：
home_loan = Loan('Mortgage', 500000, 4.5, 20)
car_loan = Loan('CarLoan', 30000, 2, 5)

total_payment_home = sum(home_loan.monthly_payment() for _ in range(home_loan.term))
total_payment_car = sum(car_loan.monthly_payment() for _ in range(car_loan.term))

total_interest_home = total_payment_home - home_loan.principal
total_interest_car = total_payment_car - car_loan.principal

print(f"Total mortgage payments: {total_payment_home} ({total_interest_home} interest)")
print(f"Total car loan payments: {total_payment_car} ({total_interest_car} interest)")