购房贷款问题的matlab算法讲课教案

1、购房贷款问题的mat l ab 算法精品文档实验二：购房贷款问题1.问题重述初始贷款额为 30 万，借款期限不超过30 年，对于不同的贷款期限，贷款利率有所不同。商业贷款和公积金年利率见下表（一年期为到期一次还本付息）贷款年限15 年610 年1120年2030 年商业贷款0.05060.05470.05690.0592公积金贷款0.03720.04120.04440.0477根据上述贷款信息，制定一个完整的个人购房贷款本息月均还款额表，表中应包括借款年限，根据两种不同贷款年利率计算出来的月利率、月还款额、总还款额和利息负担总额；并对比采用商业贷款和采用公积金贷款的利息差价。2.问题分析可以由

2、年利息算出两种贷款的月利息，再利用等额本息还款法计算每月的还款额3. 算法设计本文采用等额本息还款法计算方法，计算每月的月还款额公式： H11 = p * sr * (1 + sr)n / (1 + sr) n - 1)其中：定义的一些变量名p：本金， sr（ gr）：商业贷款（公积金贷款），n：还款的月数从而得到总还款： All11=H11 * n，利息负担总额： LJ11 = H11 * n - p4.程序clcclearsr1=0.0506,0.0547,0.0569,0.0592/12%商业贷款月利息gr1=0.0372,0.0412,0.0444,0.0477/12%公积金贷款月利息

3、12*(sr1-gr1) %商业贷款和采用公积金贷款的利息差价ALL1=;ALL2=;HME1=;HME2 =;LJLX1 = ;LJLX2=;p = 300000; %贷款本金 for i=1:30if i>=1&i<=5 sr=sr1(1);gr=gr1(1);elseif i>=6&i<=10 sr=sr1(2);gr=gr1(2);elseif i>=11&i<=20收集于网络，如有侵权请联系管理员删除精品文档sr=sr1(3);gr=gr1(3);elseif i>=21&i<=30sr=sr1(4);g

4、r=gr1(4);endn=i*12; %还款期数%等额本息还款法H11 = p * sr * (1 + sr)n / (1 + sr) n - 1); %商业贷款每月还钱数H12 = p * gr * (1 + gr)n / (1 + gr) n - 1); %公积金贷款每月还钱数LJ11 = H11 * n - p; %商业贷款利息负担总额LJ12 = H12 * n - p ; %公积金贷款利息负担总额All11=H11 * n; %商业贷款总还款额All12=H12 * n; %公积金贷款总还款额ALL1=ALL1,All11;ALL2=ALL2,All12;HME1=HME1,H11

5、;HME2=HME2,H12;LJLX1 = LJLX1,LJ11;LJLX2 = LJLX2,LJ12;endB=HME1;ALL1;LJLX1;HME2;ALL2;LJLX2'5.结果商业贷款公积金贷款贷款月利率月还款总还款额利息负担总月利率月还款总还款额利息负担总年限额额额额125690.49308285.98285.9281425506.61306079.36079.301814213169.48316067.516067.5107112990.12311762.911762.9173630.00428999.353323976.723976.706530.00318819.8

6、77317515.617515.5781946916.945332013.432013.353076736.192323337.223337.236755669.62340177.240177.223245487.13329227.829227.8263164897.156352595.252595.204484709.976339118.239118.2395774306.742361766.361766.34884117.234345847.645847.6463280.00463865.464371084.671084.590970.00343673.553352661.152661.0

7、785393523.604380549.380549.277433329.244359558.359558.32368103251.331390159.790159.671673054.493366539.166539905404303.4104303.4042876.845379743.679743.57312122879.65414669.6114669.59652691.148387525.387525.28897132725.577425190125189.98842534.632395402.795402.65159142594.425435863.4135

8、863.35442401.043403375.2103375.1953150.00472481.602446688.4146688.38410.00372285.791411442.4111442.42162383.665457663.7157663.68482185.436419603.8119603.7923172297.979468787.8168787.78472097.347427858.7127858.7457182222.496480059.1180059.13572019.475436206.7136206.6818192155.597491476.1191476.116719

9、50.206444647144646.9707202095.988503037203037.03711888.246453179153178.9524212082.579524809.9224809.91721886.821475478.9175478.8672220.00492035.065537257.1237257.13460.0041837.094484992.8184992.7544231992.219549852.4249852.38921792.06494608.5194608.4972收集于网络，如有侵权请联系管理员删除精品文档241953.449562593.4262593.

10、44971751.129504325.1204325.0841251918.26575478275478.02841713.805514141.5214141.4713261886.23588503.8288503.78551679.669524056.6224056.5843271857.001601668.3301668.33331648.362534069.3234069.3192281830.266614969.2314969.24111619.579544178.5244178.5443291805.759628404328404.03991593.055554383.1254383.1018301783.251641970.2341970.2261568.561564681.8264681.80896.结果分析商