Python: moyen plus intelligent de calculer les paiements de prêt

Vous pouvez continuer à payer l'intérêt de chaque mois; Ensuite, vous devrez toujours la même chose d'Amont. XXX

Peut-être le moyen le plus simple de penser à cela est de scinder le prêt en deux parties, une partie à rembourser intégralement et une autre partie où vous ne payez rien. Vous avez déjà calculé les frais mensuels pour la première partie.

Ceci est fondamentalement un Calcul du remboursement hypothécaire .

En supposant que le démarrage est supérieur à la fin et que cet intérêt est compris entre 0 et 1 (c.-à-d. 0,1 pendant 10% d'intérêt de 10%) P>

Premièrement examiner la partie du paiement que vous souhaitez payer. P >

Start: 100000
End:  50000
Months: 70
Interest: 8% 
pay_a = 896.20
pay_b = 333.33
Payment = 1229.54

Code Python pour calculer EMI STRAND>

class EMI_CALCULATOR(object):
 # Data attributes
 # Helps to calculate EMI

  Loan_amount = None # assigning none values
  Month_Payment = None # assigning none values
  Interest_rate = None #assigning none values
  Payment_period = None #assigning none values

  def get_loan_amount(self):
 #get the  value of loan amount
      self.Loan_amount = input("Enter The Loan amount(in rupees) :")
      pass

  def get_interest_rate(self):
   # get the value of interest rate
      self.Interest_rate = input("Enter The Interest rate(in percentage(%)) : ")
      pass

  def get_payment_period(self):
   # get the payment period"
      self.Payment_period = input("Enter The Payment period (in month): ")
      pass


  def calc_interest_rate(self):
  # To calculate the  interest rate"
      self.get_interest_rate()

      if self.Interest_rate > 1:
         self.Interest_rate = (self.Interest_rate /100.0) 

      else:
         print "You have not entered The interest rate correctly ,please try again "
      pass

  def calc_emi(self):
  # To calculate the EMI"          

      try:

        self.get_loan_amount() #input loan amount 
        self.get_payment_period() #input payment period
        self.calc_interest_rate() #input interest rate and calculate the interest rate

      except NameError:
             print "You have not entered Loan amount (OR) payment period (OR) interest rate  correctly,Please enter and try again. "

      try:
        self.Month_Payment = (self.Loan_amount*pow((self.Interest_rate/12)+1,
                             (self.Payment_period))*self.Interest_rate/12)/(pow(self.Interest_rate/12+1,
                             (self.Payment_period)) - 1)

      except ZeroDivisionError: 
                    print "ERROR!! ZERO DIVISION ERROR , Please enter The Interest rate correctly and Try again."

      else:
         print "Monthly Payment is : %r"%self.Month_Payment
      pass


  if __name__ == '__main__':# main method 

        Init = EMI_CALCULATOR() # creating  instances


        Init.calc_emi() #to calculate EMI

Ceci plutôt un moyen détaillé mais donnera tout le paiement tout aussi

# Mortgage Loan that gives the balance and total payment per year

# Function that gives the monthly payment
def f1 (principle,annual_interest_rate,duration):
    r = annual_interest_rate/1200
    n = duration*12
    a=principle*r*((1+r)**n)
    b= (((1+r)**n)- 1)
    if r > 0 :
        MonthlyPayment = (a/b)
    else :
        MonthlyPayment = principle/n

    return MonthlyPayment

# Function that gives the balance
def f2 (principle,annual_interest_rate,duration,number_of_payments):
    r = annual_interest_rate/1200
    n = duration*12
    a= ((1+r)**n)
    b= ((1+r)**number_of_payments)
    c= (((1+r)**n)-1)
    if r > 0 :
        RemainingLoanBalance = principle*((a-b)/c)
    else :
        RemainingLoanBalance = principle*(1-(number_of_payments/n))

    return RemainingLoanBalance
# Entering the required values
principle=float(input("Enter loan amount: "))
annual_interest_rate=float(input("Enter annual interest rate (percent): "))
duration=int(input("Enter loan duration in years: "))

# Output that returns all useful data needed
print ("LOAN AMOUNT:",principle,"INTEREST RATE (PERCENT):",annual_interest_rate)
print ("DURATION (YEARS):",duration,"MONTHLY PAYMENT:",int(f1(principle,annual_interest_rate,duration)))


k=duration+1
BALANCE=principle
total=0
for i in range (1,k):
    TOTALPAYMENT= f1(BALANCE,annual_interest_rate,k-i)*12
    total+= TOTALPAYMENT
    BALANCE= f2(principle,annual_interest_rate,duration,12*i)
    print("YEAR:",i,"BALANCE:",int(BALANCE),"TOTAL PAYMENT",int(total))

Que diriez-vous de cela? XXX