等额本息和等额本金的计算机编程代码是什么？

等额本息和等额本金的计算机编程代码是什么？

等额本息和等额本金是常用的贷款偿还方式，下面是它们的计算机编程代码示例：

## 等额本息

def calcEqualInstallment(principal, annual_rate, months):
r = annual_rate / 12
numerator = principal * r * (1 + r) ** months
denominator = (1 + r) ** months - 1
monthly_payment = numerator / denominator
return monthly_payment

# 示例
principal = 100000 # 本金
annual_rate = 0.06 # 年利率
months = 24 # 期数
monthly_payment = calcEqualInstallment(principal, annual_rate, months)
print("每月还款金额为：", round(monthly_payment, 2))

## 等额本金

def calcEqualPrincipal(principal, annual_rate, months):
r = annual_rate / 12
monthly_principal = principal / months # 每月本金
monthly_payments = [] # 每月还款额列表
balance = principal
for i in range(months):
interest = balance * r # 每月利息
monthly_payments.append(monthly_principal + interest)
balance -= monthly_principal
return monthly_payments

# 示例
principal = 100000 # 本金
annual_rate = 0.06 # 年利率
months = 24 # 期数
monthly_payments = calcEqualPrincipal(principal, annual_rate, months)
for i, monthly_payment in enumerate(monthly_payments):
print("第{}个月的还款额为：{}".format(i+1, round(monthly_payment, 2)))

请注意，本示例中的计算方式仅作为一般示例，实际计算还需要考虑更细致的情况，例如还款日、手续费、逾期利率等。2023-03-04