房贷计算程序，主要实现以下功能：

1. 用户友好的界面：使用文本菜单来引导用户选择功能。
2. 支持不同还款频率：例如每季度还款、每半年还款等。
3. 支持贷款提前还款：计算提前还款对总支付利息的影响。
4. 详细的还款计划表：输出每月的本金、利息和总还款额。

完整示例代码免费下载链接

下面是一个复杂的C++程序示例，涵盖了以上功能：

C++ 程序代码

#include <iostream>
#include <iomanip>
#include <cmath>
#include <vector>

using namespace std;

// Function to validate user input
bool validateInput(double value) {
    return value > 0;
}

// Function to calculate monthly payment for equal principal repayment
double calculateEqualPrincipalPayment(double principal, double annualInterestRate, int years) {
    double monthlyInterestRate = annualInterestRate / 12 / 100;
    int totalMonths = years * 12;
    double totalPayment = 0;

    for (int month = 1; month <= totalMonths; ++month) {
        double remainingPrincipal = principal * (totalMonths - month + 1) / totalMonths;
        double monthlyPayment = (remainingPrincipal * monthlyInterestRate) + (principal / totalMonths);
        totalPayment += monthlyPayment;
    }

    return totalPayment / totalMonths; // Average monthly payment
}

// Function to calculate monthly payment for equal monthly installments
double calculateEqualInstallmentsPayment(double principal, double annualInterestRate, int years) {
    double monthlyInterestRate = annualInterestRate / 12 / 100;
    int totalMonths = years * 12;

    double numerator = monthlyInterestRate * std::pow(1 + monthlyInterestRate, totalMonths);
    double denominator = std::pow(1 + monthlyInterestRate, totalMonths) - 1;
    return principal * (numerator / denominator);
}

// Function to generate a repayment schedule
void generateRepaymentSchedule(double principal, double annualInterestRate, int years, int frequency) {
    double rate = annualInterestRate / frequency / 100;
    int totalPeriods = years * frequency;
    double principalPayment = principal / totalPeriods;

    cout << fixed << setprecision(2);
    cout << "Repayment Schedule:\n";
    cout << setw(10) << "Period" << setw(20) << "Principal Payment" << setw(20) << "Interest Payment" << setw(20) << "Total Payment\n";

    double remainingPrincipal = principal;
    for (int period = 1; period <= totalPeriods; ++period) {
        double interestPayment = remainingPrincipal * rate;
        double totalPayment = principalPayment + interestPayment;
        remainingPrincipal -= principalPayment;

        cout << setw(10) << period
             << setw(20) << principalPayment
             << setw(20) << interestPayment
             << setw(20) << totalPayment
             << endl;
    }
}

// Main function
int main() {
    double principal; // Loan amount
    double annualInterestRate; // Annual interest rate in percentage
    int years; // Loan term in years
    int repaymentOption; // Repayment option (1 for Equal Principal, 2 for Equal Installments)
    int frequency; // Repayment frequency (e.g., 12 for monthly, 4 for quarterly, 2 for semi-annually)

    cout << "Enter the loan amount: ";
    cin >> principal;
    if (!validateInput(principal)) {
        cerr << "Invalid loan amount. Must be greater than zero." << endl;
        return 1;
    }

    cout << "Enter the annual interest rate (in percentage): ";
    cin >> annualInterestRate;
    if (!validateInput(annualInterestRate)) {
        cerr << "Invalid annual interest rate. Must be greater than zero." << endl;
        return 1;
    }

    cout << "Enter the loan term (in years): ";
    cin >> years;
    if (!validateInput(years)) {
        cerr << "Invalid loan term. Must be greater than zero." << endl;
        return 1;
    }

    cout << "Choose repayment option (1 for Equal Principal, 2 for Equal Installments): ";
    cin >> repaymentOption;
    if (repaymentOption != 1 && repaymentOption != 2) {
        cerr << "Invalid option. Choose 1 or 2." << endl;
        return 1;
    }

    cout << "Choose repayment frequency (12 for monthly, 4 for quarterly, 2 for semi-annually): ";
    cin >> frequency;
    if (frequency != 12 && frequency != 4 && frequency != 2) {
        cerr << "Invalid frequency. Choose 12, 4, or 2." << endl;
        return 1;
    }

    double payment;
    if (repaymentOption == 1) {
        payment = calculateEqualPrincipalPayment(principal, annualInterestRate, years);
        cout << "Your average payment (Equal Principal) is: $" << payment << endl;
    } else if (repaymentOption == 2) {
        payment = calculateEqualInstallmentsPayment(principal, annualInterestRate, years);
        cout << "Your monthly payment (Equal Installments) is: $" << payment << endl;
    }

    // Calculate total payment and total interest
    int totalPeriods = years * frequency;
    double totalPayment = payment * totalPeriods;
    double totalInterest = totalPayment - principal;

    cout << "Total payment over the life of the loan: $" << totalPayment << endl;
    cout << "Total interest paid: $" << totalInterest << endl;

    // Generate repayment schedule
    generateRepaymentSchedule(principal, annualInterestRate, years, frequency);

    return 0;
}

扩展说明

1. 输入验证：

   • validateInput 函数检查输入值是否大于零，确保输入的有效性。

2. 还款方式：

   • 等额本金还款：使用 calculateEqualPrincipalPayment 函数计算平均每月还款额。
   • 等额本息还款：使用 calculateEqualInstallmentsPayment 函数计算每月还款额。

3. 还款频率：

   • 通过用户选择的频率（例如每月、每季度、每半年）来调整还款计划。

4. 详细的还款计划表：

   • generateRepaymentSchedule 函数生成详细的还款计划，包括每期的本金支付、利息支付和总支付额。

编译和运行

1. 保存代码：

   • 将代码保存为一个C++源文件，例如 advanced_loan_calculator.cpp。

2. 编译代码：

   • 使用C++编译器进行编译，例如使用 g++ 编译器：

     g++ -o advanced_loan_calculator advanced_loan_calculator.cpp
     

3. 运行程序：

   • 执行编译后的程序：

     ./advanced_loan_calculator
     

这个扩展后的程序提供了多种还款方式和详细的还款计划表，可以帮助用户更好地了解其贷款的还款情况。