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def calculate_monthly_payment(principal, annual_rate, months):"""计算每月还款金额:param principal: 贷款总额:param annual_rate: 年利率（以小数表示，例如5%为0.05）:param months: 贷款总期数（月数）:return: 每月还款金额"""monthly_rate = annual_rate / 12if monthly_rate == 0:return principal / monthsmonthly_payment = (principal * monthly_rate) / (1 - (1 + monthly_rate) ** -months)return monthly_paymentdef calculate_remaining_balance(principal, annual_rate, months, months_paid):"""计算还款若干月后的剩余贷款余额:param principal: 贷款总额:param annual_rate: 年利率（以小数表示，例如5%为0.05）:param months: 贷款总期数（月数）:param months_paid: 已还款的月数:return: 剩余贷款余额"""monthly_payment = calculate_monthly_payment(principal, annual_rate, months)remaining_balance = principalfor _ in range(months_paid):interest = remaining_balance * (annual_rate / 12)principal_payment = monthly_payment - interestremaining_balance -= principal_paymentreturn remaining_balancedef main():print("车贷计算器（支持提前还款和变动利率）")try:principal = float(input("请输入贷款总额（例如50000）："))annual_rate = float(input("请输入初始年利率（例如0.05代表5%）："))total_months = int(input("请输入贷款总期数（月数，例如36）："))if principal <= 0 or annual_rate < 0 or total_months <= 0:print("输入值无效，请确保贷款总额和贷款期数为正数，年利率为非负数。")returncurrent_balance = principalmonths_paid = 0while months_paid < total_months:monthly_payment = calculate_monthly_payment(current_balance, annual_rate, total_months - months_paid)print(f"当前剩余贷款余额：{current_balance:.2f}")print(f"当前每月还款金额：{monthly_payment:.2f}")# 提前还款early_repayment = input("是否进行提前还款？(输入金额或'no'跳过)：")if early_repayment.lower() != 'no':early_repayment_amount = float(early_repayment)if early_repayment_amount >= current_balance:print("提前还款金额大于或等于剩余贷款余额，贷款已还清。")breakelse:current_balance -= early_repayment_amountprint(f"提前还款后剩余贷款余额：{current_balance:.2f}")# 处理利率变动rate_change = input("是否有利率变动？(输入新的年利率或'no'跳过)：")if rate_change.lower() != 'no':annual_rate = float(rate_change)print(f"新的年利率为：{annual_rate:.2f}")months_paid += 1# 计算新余额current_balance = calculate_remaining_balance(principal, annual_rate, total_months, months_paid)print("车贷计算完成。")except ValueError:print("输入无效，请输入正确的数字。")if __name__ == "__main__":main()
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