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import pandas as pd
from pandas import Series, DataFrame
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A = 840000
base_rate = 4.66
discount = 95
n_years = 30
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def calcu_x(A,base_rate=4.90,n_years=30,discount=100):
'''总贷款数（元），年基准利率（%），利率折扣（%），贷款年限'''
beta = base_rate/100 * discount/100 /12
m = 12* n_years
X = (A*beta*(1+beta)**m)/((1+beta)**m-1)
return X
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X1 = calcu_x(840000,4.66,30)
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X2= calcu_x(500000,3.25,15)
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lixi_1 =A * base_rate/100/12
benjin_1 = X1 - lixi_1
A1 = A - benjin_1
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dic_1 = {"月供":X1,"月供本金":benjin_1, "月供利息":lixi_1,"本金余额":A1}
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df = None
df = DataFrame(dic_1,index=[0])
dic_last = dic_1
for i in range(2,361):
lixi_new =dic_last["本金余额"] * base_rate/100/12
benjin_new = X1 - lixi_new
A_new = dic_last["本金余额"] - benjin_new
dic_new = {"月供":X1,"月供本金":benjin_new, "月供利息":lixi_new,"本金余额":A_new}
df = df.append(dic_new,ignore_index=True )
dic_last = dic_new
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df
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