房贷计算公式

Posted 2023-02-02 Rander.C

房贷计算公式

#include <iostream>

//根据贷款额度、年利率、贷款月数获得月供
float getMonthlyPayment(float loan, float yearRate, int months) 
    float month_rate = yearRate / 12 ;

    float up= loan * month_rate;
    float comm_base = 1.0f;
    for(int i=0; i < months; i++) 
        comm_base *= (1 + month_rate);
    

    return (up * comm_base) / (comm_base - 1.0f);


//根据贷款额度、年利率、月供获得还款月数
int getPayMonths(float loan, float yearRate, float monthPayment) 
    float month_rate = yearRate / 12 ;

    float c = monthPayment/(monthPayment  - loan * month_rate);

    int months = 0;
    float rate = 1.0f;
    while (1) 
        rate *= (1+month_rate);
        if(rate >= c) 
            break;
        
        months++;
    

    return months;



int main() 
    printf("monthlyPayment %f\\n",getMonthlyPayment(1000000,0.05285,360));
    printf("PayMonths %d\\n",getPayMonths(1000000.57,0.05285,5543.726074));
    return 0;