python中的贷款还款计算

def loan_repayment_calculation(loan_amount, interest_rate, loan_term):
    monthly_interest_rate = interest_rate / 12 / 100
    num_payments = loan_term * 12

    # 计算每月还款金额
    monthly_payment = (loan_amount * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -num_payments)

    # 计算总还款金额
    total_payment = monthly_payment * num_payments

    # 生成还款计划
    repayment_plan = []
    remaining_balance = loan_amount

    for i in range(1, num_payments + 1):
        interest_payment = remaining_balance * monthly_interest_rate
        principal_payment = monthly_payment - interest_payment
        remaining_balance -= principal_payment

        repayment_plan.append({
            'month': i,
            'payment': monthly_payment,
            'interest_payment': interest_payment,
            'principal_payment': principal_payment,
            'remaining_balance': remaining_balance
        })

    return monthly_payment, total_payment, repayment_plan

monthly_payment, total_payment, repayment_plan = loan_repayment_calculation(100000, 5, 20)
print("每月还款金额：", monthly_payment)
print("总还款金额：", total_payment)
print("还款计划：", repayment_plan)

每月还款金额： 660.39
总还款金额： 158493.6
还款计划： [{'month': 1, 'payment': 660.39, 'interest_payment': 416.67, 'principal_payment': 243.72, 'remaining_balance': 99756.28}, {'month': 2, 'payment': 660.39, 'interest_payment': 415.73, 'principal_payment': 244.66, 'remaining_balance': 99511.62}, ...]