房贷计算

# -*- coding: utf-8 -*-"""Created on Fri Nov 17 20:13:51 2017def 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_feedef 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