購房貸款問題

1、實驗二：購房貸款問題(1)問題重述：初始貸款額為30萬，借款期限不超過30年，對于不同的貸款期限，貸款 利率有所不同。商業(yè)貸款和公積金年利率見下表(一年期為到期一次還本付息)貸款年限15年610 年1120 年2030 年商業(yè)貸款0.05060.05470.05690.0592公積金貸款0.03720.04120.04440.0477根據(jù)上述貸款信息，制定一個完整的個人購房貸款本息月均還款額表，表中應(yīng)包括借款年限，各自的月利率、月均還款額、總還款額和利息負擔總額，還有 采用商業(yè)貸款和采用公積金貸款的利息差價。(2)問題分析：根據(jù)題意，在不同的時間階段有不同的年利率，所以在不同的時間段要按不同的

2、年利率來計算。(3)算法設(shè)計：用switch 語句編程 m 文件 daikun.m ,再分別用 year_num_1.m、 year_num_2.m 、 year_num_3.m 、 year_num_4.m 四個函數(shù)調(diào)用，根據(jù)不同時 間來計算出該時間的所有要求量。(4)程序：%daikun.mclc;clear;disp( 貸款年數(shù) ),year_num=input(enterthenumber:)x=year_num;switchyear_numcase1year_num_1(1);case2year_num_1(2);case3year_num_1(3);case4year_num_1(

3、4);case5year_num_1(5);case6year_num_2(6);case7year_num_2(7);case8year_num_2(8);case20year_num_2(9);case10year_num_2(10);case11year_num_3(11);case12year_num_3(12);case13year_num_3(13);case14year_num_3(14);case15year_num_3(15);case16year_num_3(16);case17year_num_3(17);case18year_num_3(18);case19year_n

4、um_3(20);case21year_num_4(21);case22year_num_4(22);case23year_num_4(23);case24year_num_4(24);case25year_num_4(25);case26year_num_4(26);case27year_num_4(27);case28year_num_4(28);case29year_num_4(29);year_num_4(30);otherwise disp（youenterthenumberisnotbetween1and30）;end%year_num_1.mfunctiony=year_num_

5、1（x）disp（ 商業(yè)貸款方案1）,disp（ 月利率 ）,p1_1=0.0506/12disp（ 月均還貸額）,p1_2=（30+30*0.0506*x）/（12*x）disp（ 總還貸額 ）,p1_3=30+30*0.0506*xdisp（ 利息負擔總額）,p1_4=30*0.0506*xdisp（ 公積金貸款方案 2）,disp（ 月利率 ）,p2_1=0.0372/12disp（ 月均還貸額）,p2_2=（30+30*0.0372*x）/（12*x）disp（ 總還貸額 ）,p2_3=30+30*0.0372*xdisp（ 利息負擔總額）,p2_4=30*0.0372*xdisp(

6、商業(yè)貸款與公積金貸款的利息差價),p1=p1_4-p2_4end%year_num_2.mfunctiony=year_num_2(x)disp( 商業(yè)貸款方案1),disp( 月利率 ),p1_1=(0.0506*5+0.0547*(x-5)/(12*x)disp( 月均還貸額),p1_2=(30+30*0.0506*5+30*0.0547*(x-5)/(12*x)disp( 總還貸額 ),p1_3=30+30*0.0506*5+30*0.0547*(x-5)disp( 利息負擔總額),p1_4=30*0.0506*5+30*0.0547*(x-5)disp( 公積金貸款方案 2),disp

7、( 月利率 ),p2_1=(0.0372*5+0.0412*(x-5)/(5*12+12*(x-5)disp( 月均還貸額),p2_2=(30+30*0.0372*5+30*0.0412*(x-5)/(12*x)disp( 總還貸額 ),p2_3=30+30*0.0372*5+30*0.0412*(x-5)disp( 利息負擔總額),p2_4=30*0.0372*5+30*0.0412*(x-5)disp( 商業(yè)貸款與公積金貸款的利息差價),p1=p1_4-p2_4end%year_num_3.mfunctiony=year_num_3(x)disp( 商業(yè)貸款方案1),disp( 月利率 )

8、,p1_1=(0.0506*5+0.0547*5+0.0569*(x-10)/(12*x)disp( 月均還貸額),p1_2=(30+30*0.0506*5+30*0.0547*5+30*0.0569*(x-10)/(12*x)disp( 總還貸額 ),p1_3=(30+30*0.0506*5+30*0.0547*5+30*0.0569*(x-10)disp( 利息負擔總額),p1_4=30*0.0506*5+30*0.0547*5+30*0.0569*(x-10)disp( 公積金貸款方案 2),disp( 月利率 ),p2_1=(0.0372*5+0.0412*5+0.0444*(x-10

9、)/(12*x)disp( 月均還貸額),p2_2=(30+30*0.0372*5+30*0.0412*5+30*0.0444*(x-10)/(12*x)p2_3=(30+30*0.0372*5+30*0.0412*5+30*0.0444*(x-10)disp( 利息負擔總額),p2_4=30*0.0372*5+30*0.0412*5+30*0.0444*(x-10)disp( 商業(yè)貸款與公積金貸款的利息差價),p1=p1_4-p2_4end%year_num_4.mfunctiony=year_num_4(x)disp( 商業(yè)貸款方案1),disp( 月利率 ),p1_1=(0.0506*5

10、+0.0547*5+0.0569*10+0.0592*(x-20)/(12*x)disp( 月均還貸額),p1_2=(30+30*0.0506*5+30*0.0547*5+30*0.0569*10+30*0.0592*(x-20)/(12*x)disp( 總還貸額 ),p1_3=30+30*0.0506*5+30*0.0547*5+30*0.0569*10+30*0.0592*(x-20)disp( 利息負擔總額),p1_4=30*0.0506*5+30*0.0547*5+30*0.0569*10+30*0.0592*(x-20)disp( 公積金貸款方案 2),disp( 月利率 ),p2_

11、1=(0.0372*5+0.0412*5+0.0444*10+0.0477*(x-20)/(12*x)disp（ 月均還貸額）,p2_2=(30+30*0.0372*5+30*0.0412*5+30*0.0444*10+30*0.0477*(x-20)/ (12*x)disp(總還貸額)，p2_3=30+30*0.0372*5+30*0.0412*5+30*0.0444*10+30*0.0477*(x-20)disp(利息負擔總額),p2_4=30*0.0372*5+30*0.0412*5+30*0.0444*10+30*0.0477*(x-20)disp(商業(yè)貸款與公積金貸款的利息差價),p

12、1=p1_4-p2_4end(5)計算結(jié)果：(a表示選擇方案、b表示月利率、c表示月均還貸額、d表示總還貸額、k表示利息總負擔、j表示利息差價、y表示貸款年數(shù))y12345a商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金b0.00420.00310.00420.00310.00420.00310.00420.00310.00420.0031c2.62652.59301.37651.34300.95980.92630.75150.71800.62650.5930d31.51831.11633.03632.23234.55433.34836.07234.46437.59035.580k1.51

13、81.11603.03602.23204.55403.34806.07204.46407.5905.580j0.40200.80401.20601.60682.0100y678910a商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金b0.00430.00320.00430.00320.00430.00320.00440.00320.00440.0033c0.54490.51130.48660.45300.44280.40920.40880.37520.38160.3480d39.23136.81640.87238.05242.51339.28844.15440.52445.79541.760

14、k9.2316.81610.8728.05212.5139.288014.15410.52415.79511.760j2.41502.82003.22503.63004.0350y1112131415a商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金b0.00440.00330.00440.00330.00450.00340.00450.00340.00450.0034c0.35990.32650.34170.30850.32640.29330.31320.28030.30180.2690d47.50243.09249.20944.42450.91645.75652.62347.08854.

15、33048.420k17.50213.09219.20914.42420.91615.75622.62317.08824.33018.420j4.41004.78505.16005.53505.9100y167181920a商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金b0.00450.00340.00450.00340.00450.00350.00460.00350.00460.0035c0.29190.25910.28310.25040.27520.24270.26820.23570.26190.2295d56.03749.75257.74451.08459.45152.41661.1

16、5853.74862.86555.080k26.03719.75227.74421.08429.45122.41631.15823.74832.86525.080j6.28506.66007.03507.41007.7850y2122232425a商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金b0.00460.00350.00460.00350.00460.00350.00460.00360.00460.0036c0.25650.22420.25160.21950.24710.21510.24290.21110.23920.2075d64.64156.51166.41757.94268.1

17、9359.37369.96960.80471.74562.235k34.64126.51136.41727.94238.19329.37339.96930.80441.74532.235j8.13008.47508.82009.16509.5100y2627282930a商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金商業(yè)公積金b0.00460.00360.00470.00360.00470.00360.00470.00360.00470.0036c0.23560.20410.23240.20090.22940.19800.22660.19350.22400.1928d73.52163.66675.29765.09777.07366.52878.84967.95980.62569.390k43.52133.6664