本文主要是介绍房贷等额本息，希望对大家解决编程问题提供一定的参考价值，需要的开发者们随着小编来一起学习吧！
贷款计算器：
2024年最新版房贷利率计算器_LPR利率计算器 (K JSON)
贷款计算器
举例：
接下来，我们可以用Python编写一个函数来计算每月还款额：
import pandas as pddef amortization_schedule(principal, annual_interest_rate, years):"""生成贷款的摊还表。参数:principal (float): 贷款本金。annual_interest_rate (float): 年利率。years (int): 贷款年限。返回:tuple: 包含摊还表 DataFrame, 还款总额, 和支付的总利息。"""# 计算月利率monthly_interest_rate = annual_interest_rate / 12# 计算总支付期数total_payments = years * 12# 计算每期还款额monthly_payment = principal * (monthly_interest_rate * (1 + monthly_interest_rate) ** total_payments) / ((1 + monthly_interest_rate) ** total_payments - 1)# 初始化摊还表和剩余本金及累计还款总额和利息schedule = []remaining_principal = principaltotal_repayment = 0total_interest = 0# 生成摊还表for period in range(1, int(total_payments) + 1):# 计算本期利息interest = remaining_principal * monthly_interest_rate# 计算本期偿还本金principal_paid = monthly_payment - interest# 更新剩余本金remaining_principal -= principal_paid# 保留两位小数monthly_payment_formatted = round(monthly_payment, 2)remaining_principal_formatted = round(remaining_principal, 2)# 添加本期记录到摊还表schedule.append([period, monthly_payment_formatted, remaining_principal_formatted])# 累加还款总额和利息total_repayment += monthly_paymenttotal_interest += interest# 返回摊还表 DataFrame, 还款总额, 和支付的总利息return pd.DataFrame(schedule, columns=['期次', '还款金额(元)', '剩余本金(元)']), total_repayment, total_interest# 输入参数
principal = 1000000 # 贷款本金
annual_interest_rate = 0.0385 # 年利率
years = 20 # 贷款年限# 创建还款计划表
schedule_df, total_repayment, total_interest = amortization_schedule(principal, annual_interest_rate, years)# 显示结果
print("还款计划表:")
print(schedule_df.head()) # 显示前几行
print("\n总计:")
print(f"累计还款总额(元): {total_repayment:.2f}")
print(f"累计支付利息(元): {total_interest:.2f}")
还款计划表:期次 还款金额(元) 剩余本金(元)
0 1 5981.06 997227.28
1 2 5981.06 994445.66
2 3 5981.06 991655.12
3 4 5981.06 988855.62
4 5 5981.06 986047.14总计:
累计还款总额(元): 1435453.40
累计支付利息(元): 435453.40这篇关于房贷等额本息的文章就介绍到这儿，希望我们推荐的文章对编程师们有所帮助！
