房贷计算

# -*- coding: utf-8 -*-

"""
Created on Fri Nov 17 20:13:51 2017

def debt_calc_equal_bj(years , year_rate , total, arg=1.1, flag = 1):
print('等额本金')
year_rate *= arg
month = years*12
if flag == 1:
print('指数计算利率')
month_rate = (1+year_rate)**( 1 / 12 ) - 1
else:
print('平均计算利率')
month_rate = (year_rate/ 12)

print('月利率：%s'%(month_rate*100))
month_pay_origin = total/month
print('每月本金:%s'%month_pay_origin)
pay = 0
month_fee = []
remain = total
for i in range(month):
pay += month_pay_origin + remain * month_rate
month_fee.append(remain*month_rate+month_pay_origin)
remain -= month_pay_origin
print('总利息：%2f'%(pay-total))
print('total pay:%s'%pay)
return month_fee

def debt_calc_equal_bx(years , year_rate ,  total ,arg = 1.1 , flag=0):
print('等额本息')
month = years * 12
year_rate *= arg
if flag == 1:
print('指数计算利率')
month_rate = (1+year_rate)**( 1 / 12 ) - 1
else:
print('平均计算利率')
month_rate = (year_rate/ 12)

print('月利率：%s '%(month_rate*100)+'%')

month_origin = []
month_origin.append(month_rate/((1+month_rate)**month-1)*total)
for i in range(1,month):
month_origin.append(month_origin[i-1]*(1+month_rate))
month_fee = month_origin[0]+total*month_rate
print('月供：%s'%month_fee)
pay = month_fee * month
print('总利息：%f'%(pay-total))
print('总共还款：%s'%pay)

return month_origin