贷款计算测试
作者：互联网
{
"cells": [
{
"cell_type": "markdown",
"id": "7bc249d7",
"metadata": {},
"source": [
"# 贷款计算\n",
"\n",
"x = 月收入(元)\n",
"\n",
"y = 月公积金(元)\n",
"\n",
"z = 贷款金额(元)\n",
"\n",
"r = 商贷年利率(0.05)\n",
"\n",
"s = 商贷月利率(r/12)\n",
"\n",
"t = 贷款期数(360期)\n",
"\n",
"u = 通货膨胀(1.X)\n",
"\n",
"v = 月通货膨胀u**(1/12)"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "17c0a05a",
"metadata": {},
"outputs": [],
"source": [
"def 等额本金(贷款金额,贷款期数,商贷年利率,第几个月):\n",
" 每月应还本金=贷款金额/贷款期数\n",
" 每月利息 = (贷款金额-每月应还本金*(第几个月-1))*(商贷年利率/12)\n",
" return (每月应还本金,每月利息)"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "c22ed801",
"metadata": {},
"outputs": [],
"source": [
"def 等额本息(贷款金额,贷款期数,商贷年利率,第几个月):\n",
" 商贷月利率=商贷年利率/12\n",
" 月均还款本金和利息 = 贷款金额*商贷月利率*pow((1+商贷月利率),贷款期数)/(pow((1+商贷月利率),贷款期数)-1)\n",
" 还款利息总和=贷款期数*贷款金额*商贷月利率*pow((1+商贷月利率),贷款期数)/(pow((1+商贷月利率),贷款期数)-1)-贷款金额\n",
" 第一个月还款利息=贷款金额*商贷月利率\n",
" 剩余利息=还款利息总和-第一个月还款利息\n",
" 剩余本金=贷款金额-(月均还款本金和利息-第一个月还款利息)\n",
" if 第几个月==1:\n",
" return (月均还款本金和利息-第一个月还款利息,第一个月还款利息)\n",
" 第几个月利息 = (贷款金额*商贷月利率-月均还款本金和利息)*pow((1+商贷月利率),(第几个月-1))+月均还款本金和利息\n",
" 第几个月本金 = 月均还款本金和利息-第几个月利息\n",
" return (第几个月本金,第几个月利息)"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "83ef3204",
"metadata": {},
"outputs": [],
"source": [
"def 等额本金结余(贷款时月收入,贷款时公积金,通货膨胀,贷款金额,贷款期数,商贷年利率,第几个月):\n",
" 当月收入=贷款时月收入*(通货膨胀**(1/12))**第几个月\n",
" 当月公积金=贷款时公积金*(通货膨胀**(1/12))**第几个月\n",
" (本金,利息)=等额本金(贷款金额,贷款期数,商贷年利率,第几个月)\n",
" 当月应还=本金+利息\n",
" 当月现金结余=当月收入\n",
" 当月公积金结余=当月公积金\n",
" if 当月应还>当月公积金:\n",
" 当月公积金结余=0\n",
" 当月现金结余=当月收入-(当月应还-当月公积金)\n",
" return (当月现金结余,当月公积金结余)\n",
" return (当月现金结余,当月公积金-当月应还)"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "03983f02",
"metadata": {},
"outputs": [],
"source": [
"def 等额本息结余(贷款时月收入,贷款时公积金,通货膨胀,贷款金额,贷款期数,商贷年利率,第几个月):\n",
" 当月收入=贷款时月收入*(通货膨胀**(1/12))**第几个月\n",
" 当月公积金=贷款时公积金*(通货膨胀**(1/12))**第几个月\n",
" (本金,利息)=等额本息(贷款金额,贷款期数,商贷年利率,第几个月)\n",
" 当月应还=本金+利息\n",
" 当月现金结余=当月收入\n",
" 当月公积金结余=当月公积金\n",
" if 当月应还>当月公积金:\n",
" 当月公积金结余=0\n",
" 当月现金结余=当月收入-(当月应还-当月公积金)\n",
" return (当月现金结余,当月公积金结余)\n",
" return (当月现金结余,当月公积金-当月应还)"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "59f14e31",
"metadata": {},
"outputs": [],
"source": [
"现金结余=0\n",
"公积金结余=0\n",
"for m in range(1,360):\n",
" (a,b)=等额本金结余(贷款时月收入,贷款时公积金,通货膨胀,贷款金额,贷款期数,商贷年利率,m)\n",
" 现金结余+=a\n",
" 公积金结余+=b\n",
"print(现金结余)\n",
"print(公积金结余)"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "f9d6b7a0",
"metadata": {},
"outputs": [],
"source": [
"现金结余=0\n",
"公积金结余=0\n",
"for m in range(1,360):\n",
" (a,b)=等额本息结余(贷款时月收入,贷款时公积金,通货膨胀,贷款金额,贷款期数,商贷年利率,m)\n",
" 现金结余+=a\n",
" 公积金结余+=b\n",
"print(现金结余)\n",
"print(公积金结余)"
]
},
{
"cell_type": "markdown",
"id": "24cd47b7",
"metadata": {},
"source": [
"# 车贷转等额本金房贷利率计算"
]
},
{
"cell_type": "markdown",
"id": "c4ca0567",
"metadata": {},
"source": [
"# 车贷利息=车贷*年利率*年数"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "7785d5c1",
"metadata": {},
"outputs": [],
"source": [
"def 车贷转等额本金房贷利率换算(车贷金额,年利率,贷款年期限):\n",
" 每月应还本金=车贷金额/(贷款年期限*12)\n",
" 商贷年利率 = symbols('商贷年利率')\n",
" 车贷利息 = 车贷金额*年利率*贷款年期限\n",
" 总利息=0\n",
" for 第几个月 in range(1,贷款年期限*12):\n",
" 每月利息 = (车贷金额-每月应还本金*(第几个月-1))*(商贷年利率/12)\n",
" 总利息+=每月利息\n",
" y=solve(总利息-车贷利息,商贷年利率)\n",
" return y"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "690343d5",
"metadata": {},
"outputs": [],
"source": [
"# def 车贷转等额本息房贷利率换算(车贷金额,年利率,贷款年期限):\n",
"# 商贷年利率 = symbols('商贷年利率')\n",
"# 商贷月利率=商贷年利率/12\n",
"# 贷款期数=贷款年期限*12\n",
"# 还款利息总和=贷款期数*车贷金额*商贷月利率*pow((1+商贷月利率),贷款期数)/(pow((1+商贷月利率),贷款期数)-1)-车贷金额\n",
"# 车贷利息 = 车贷金额*年利率*贷款年期限\n",
"# y=solve(还款利息总和-车贷利息,商贷年利率)\n",
"# return y\n",
"def 车贷转等额本息房贷利率换算(车贷金额,年利率,贷款年期限):\n",
" 商贷年利率 = symbols('商贷年利率')\n",
" 商贷月利率=商贷年利率/12\n",
" 贷款期数=贷款年期限*12\n",
" 还款利息总和=车贷金额*商贷月利率*(贷款期数+1)/2\n",
" 车贷利息 = 车贷金额*年利率*贷款年期限\n",
" y=solve(还款利息总和-车贷利息,商贷年利率)\n",
" return y"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "06732079",
"metadata": {},
"outputs": [],
"source": [
"车贷转等额本金房贷利率换算(150000,0.03,5)"
]
},
{
"cell_type": "code",
"execution_count": null,
"id": "858a9b72",
"metadata": {},
"outputs": [],
"source": [
"车贷转等额本息房贷利率换算(150000,0.03,5)"
]
},
{
"cell_type": "markdown",
"id": "9d84be77",
"metadata": {},
"source": [
"# Sympy 用法"
]
},
{
"cell_type": "code",
"execution_count": 41,
"id": "d9e7c6f1",
"metadata": {},
"outputs": [],
"source": [
"from sympy import *"
]
},
{
"cell_type": "code",
"execution_count": 42,
"id": "ce6e43a3",
"metadata": {},
"outputs": [],
"source": [
"x=symbols('x')\n",
"a=symbols('a')\n",
"b=symbols('b')\n",
"c=symbols('c')\n",
"y=a*x**2+b*x+c\n",
"z=solve(y,x)"
]
},
{
"cell_type": "code",
"execution_count": 43,
"id": "5e917926",
"metadata": {},
"outputs": [
{
"name": "stdout",
"output_type": "stream",
"text": [
"\\left[ \\frac{- b - \\sqrt{- 4 a c + b^{2}}}{2 a}, \\ \\frac{- b + \\sqrt{- 4 a c + b^{2}}}{2 a}\\right]\n"
]
}
],
"source": [
"print(latex(z))"
]
},
{
"cell_type": "markdown",
"id": "d113224f",
"metadata": {},
"source": [
"$\\left[ \\frac{- b - \\sqrt{- 4 a c + b^{2}}}{2 a}, \\ \\frac{- b + \\sqrt{- 4 a c + b^{2}}}{2 a}\\right]$"
]
},
{
"cell_type": "code",
"execution_count": 44,
"id": "2781c36a",
"metadata": {},
"outputs": [
{
"data": {
"text/latex": [
"$\\left[ \\frac{- b - \\sqrt{- 4 a c + b^{2}}}{2 a}, \\ \\frac{- b + \\sqrt{- 4 a c + b^{2}}}{2 a}\\right]$"
],
"text/plain": [
"<IPython.core.display.Latex object>"
]
},
"execution_count": 44,
"metadata": {},
"output_type": "execute_result"
}
],
"source": [
"from IPython.display import Latex\n",
"Latex('$'+latex(z)+'$')"
]
},
{
"cell_type": "code",
"execution_count": 45,
"id": "c873294c",
"metadata": {},
"outputs": [
{
"data": {
"text/latex": [
"$\\displaystyle -1.0$"
],
"text/plain": [
"-1.00000000000000"
]
},
"execution_count": 45,
"metadata": {},
"output_type": "execute_result"
}
],
"source": [
"z[0].evalf(subs={a:1,b:2,c:1})"
]
}
],
"metadata": {
"kernelspec": {
"display_name": "Python 3 (ipykernel)",
"language": "python",
"name": "python3"
},
"language_info": {
"codemirror_mode": {
"name": "ipython",
"version": 3
},
"file_extension": ".py",
"mimetype": "text/x-python",
"name": "python",
"nbconvert_exporter": "python",
"pygments_lexer": "ipython3",
"version": "3.9.7"
},
"latex_envs": {
"LaTeX_envs_menu_present": true,
"autoclose": false,
"autocomplete": true,
"bibliofile": "biblio.bib",
"cite_by": "apalike",
"current_citInitial": 1,
"eqLabelWithNumbers": true,
"eqNumInitial": 1,
"hotkeys": {
"equation": "Ctrl-E",
"itemize": "Ctrl-I"
},
"labels_anchors": false,
"latex_user_defs": false,
"report_style_numbering": false,
"user_envs_cfg": false
},
"toc": {
"base_numbering": 1,
"nav_menu": {},
"number_sections": true,
"sideBar": true,
"skip_h1_title": false,
"title_cell": "Table of Contents",
"title_sidebar": "Contents",
"toc_cell": false,
"toc_position": {},
"toc_section_display": true,
"toc_window_display": false
}
},
"nbformat": 4,
"nbformat_minor": 5
}
标签：结余,测试,商贷,车贷,当月,计算,贷款,年利率 来源： https://www.cnblogs.com/yzpopulation/p/16076565.html