时间戳

首页 > 解决方案 > Python3如何创建一个返回抵押场景模拟的函数

python-3.x - Python3如何创建一个返回抵押场景模拟的函数

问题描述

我需要帮助来计算抵押贷款的总成本和给定抵押贷款期限内产生的总利息。基本上，在贷款期限结束时，期末余额将为零。

从输出中，我不确定如何计算所产生的总利息和抵押总成本（抵押金额+总利息）的总和。

此外，我希望第 1 年的起始金额为抵押金额（即示例中的 1,000,000），但输出显示为 (900,000)

最后，我需要帮助来创建一个计算这些代码的函数，以使测试用例更容易。请帮助我，谢谢！

mortgage_amount = float(input('Enter mortgage loan amount: '))
duration = int(input('Enter the number of period in years: '))
fixed_payment = float(input('Enter the fixed payment amount per period: '))
interest = float(input('Enter the annual interest rate: '))
frequency = int(input('Enter the number of times payment occur per year: '))
print('\n')

interest_converted = interest / 100 / frequency
interest_payment = interest_converted * beginning_balance
beginning_balance = mortgage_amount

for i in range(0, duration):
    
    
    interest_payment = beginning_balance * interest_converted
    interest_payment_TVOM = interest_payment * (1 + interest_converted)
    ending_balance = beginning_balance - fixed_payment 
    beginning_balance = ending_balance
    total_payment = interest_payment_TVOM + fixed_payment

    print('Year:{:1}, Beginning Balance: ${:.0f}, Interest Payment: ${:.0f}, Fixed Payment: ${:.0f}, Total Payment: ${:.0f}, Ending Balance: ${:.0f}'.format(i + 1, beginning_balance, interest_payment_TVOM, fixed_payment, total_payment, ending_balance))

print('\n')

print('total payment: ', total_payment)
print('total interest: ', interest_payment)

输出：

Enter mortgage loan amount: 1000000
Enter the number of period in years: 10
Enter the fixed payment amount per period: 100000
Enter the annual interest rate: 1.5
Enter the number of times payment occur per year: 1


Year:1, Beginning Balance: $900000, Interest Payment: $15225, Fixed Payment: $100000, Total Payment: $115225, Ending Balance: $900000
Year:2, Beginning Balance: $800000, Interest Payment: $13702, Fixed Payment: $100000, Total Payment: $113702, Ending Balance: $800000
Year:3, Beginning Balance: $700000, Interest Payment: $12180, Fixed Payment: $100000, Total Payment: $112180, Ending Balance: $700000
Year:4, Beginning Balance: $600000, Interest Payment: $10657, Fixed Payment: $100000, Total Payment: $110658, Ending Balance: $600000
Year:5, Beginning Balance: $500000, Interest Payment: $9135, Fixed Payment: $100000, Total Payment: $109135, Ending Balance: $500000
Year:6, Beginning Balance: $400000, Interest Payment: $7612, Fixed Payment: $100000, Total Payment: $107612, Ending Balance: $400000
Year:7, Beginning Balance: $300000, Interest Payment: $6090, Fixed Payment: $100000, Total Payment: $106090, Ending Balance: $300000
Year:8, Beginning Balance: $200000, Interest Payment: $4568, Fixed Payment: $100000, Total Payment: $104568, Ending Balance: $200000
Year:9, Beginning Balance: $100000, Interest Payment: $3045, Fixed Payment: $100000, Total Payment: $103045, Ending Balance: $100000
Year:10, Beginning Balance: $0, Interest Payment: $1522, Fixed Payment: $100000, Total Payment: $101522, Ending Balance: $0


total payment:  101522.5
total interest:  1500.0

标签： python-3.xfor-loop

解决方案

所以你需要做一点关于“抵押数学”的背景知识。如果您搜索“摊销计算（或公式）”并查看如何根据（贷款金额、利率、期数）计算付款，则有很多示例。然后您可以计算固定付款。从那里，您可以再做一些工作，找出每个支付期间的利息和本金成分的公式，您可以在循环中计算这些公式。

上手之后。:) 您可以在循环之外设置一个累积变量，以跟踪本金的运行总额（最后应该加上贷款金额）和利息。

在伪代码中：

tot_payments = 0   # to gather the total principal payments
tot_interest = 0   # to gather the interest

for period in range(num_periods):
    # calculate principal and interest
    # add to the accumulations like...
    tot_payment += payment

推荐阅读