购房贷款问题

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1~5年6~10年11~20年20~30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，各自的月利率、月均还款额、总还款额和利息负担总额，还有采用商业贷款和采用公积金贷款的利息差价。（2）问题分析：根据题意，在不同的时间阶段有不同的年利率，所以在不同的时间段要按不同的年利率来计算。（3）算法设计：用switch语句编程M文件daikun.m，再分别用year_num_1.m、year_num_2.m、year_num_3.m、year_num_4.m四个函数调用，根据不同时间来计算出该时间的所有要求量。（4）程序：%daikun.mclc;clear;disp('贷款年数'),year_num=input('enterthenumber:')x=year_num;switchyear_numcase1year_num_1(1);case2year_num_1(2);case3year_num_1(3);case4year_num_1(4);case5year_num_1(5);case6year_num_2(6);case7year_num_2(7);case8year_num_2(8);case9year_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_num_3(19);case20year_num_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);case30year_num_4(30);otherwisedisp('youenterthenumberisnotbetween1and30');end%year_num_1.mfunctiony=year_num_1(x)disp('商业贷款方案1'),disp('月利率'),p1_1=0.0506/12disp('月均还贷额'),p1_2=(30+30*0.0506*x)/(12*x)disp('总还贷额'),p1_3=30+30*0.0506*xdisp('利息负担总额'),p1_4=30*0.0506*xdisp('公积金贷款方案2'),disp('月利率'),p2_1=0.0372/12disp('月均还贷额'),p2_2=(30+30*0.0372*x)/(12*x)disp('总还贷额'),p2_3=30+30*0.0372*xdisp('利息负担总额'),p2_4=30*0.0372*xdisp('商业贷款与公积金贷款的利息差价'),p1=p1_4-p2_4end%year_num_2.mfunctiony=year_num_2(x)disp('商业贷款方案1'),disp('月利率'),p1_1=(0.0506*5+0.0547*(x-5))/(12*x)disp('月均还贷额'),p1_2=(30+30*0.0506*5+30*0.0547*(x-5))/(12*x)disp('总还贷额'),p1_3=30+30*0.0506*5+30*0.0547*(x-5)disp('利息负担总额'),p1_4=30*0.0506*5+30*0.0547*(x-5)disp('公积金贷款方案2'),disp('月利率'),p2_1=(0.0372*5+0.0412*(x-5))/(5*12+12*(x-5))disp('月均还贷额'),p2_2=(30+30*0.0372*5+30*0.0412*(x-5))/(12*x)disp('总还贷额'),p2_3=30+30*0.0372*5+30*0.0412*(x-5)disp('利息负担总额'),p2_4=30*0.0372*5+30*0.0412*(x-5)disp('商业贷款与公积金贷款的利息差价'),p1=p1_4-p2_4end%year_num_3.mfunctiony=year_num_3(x)disp('商业贷款方案1'),disp('月利率'),p1_1=(0.0506*5+0.0547*5+0.0569*(x-10))/(12*x)disp('月均还贷额'),p1_2=(30+30*0.0506*5+30*0.0547*5+30*0.0569*(x-10))/(12*x)disp('总还贷额'),p1_3=(30+30*0.0506*5+30*0.0547*5+30*0.0569*(x-10))disp('利息负担总额'),p1_4=30*0.0506*5+30*0.0547*5+30*0.0569*(x-10)disp('公积金贷款方案2'),disp('月利率'),p2_1=(0.0372*5+0.0412*5+0.0444*(x-10))/(12*x)disp('月均还贷额'),p2_2=(30+30*0.0372*5+30*0.0412*5+30*0.0444*(x-10))/(12*x)disp('总还贷额'),p2_3=(30+30*0.0372*5+30*0.0412*5+30*0.0444*(x-10))disp('利息负担总额'),p2_4=30*0.0372*5+30*0.0412*5+30*0.0444*(x-10)disp('商业贷款与公积金贷款的利息差价'),p1=p1_4-p2_4end%year_num_4.mfunctiony=year_num_4(x)disp('商业贷款方案1'),disp('月利率'),p1_1=(0.0506*5+0.0547*5+0.0569*10+0.0592*(x-20))/(12*x)disp('月均还贷额'),p1_2=(30+30*0.0506*5+30*0.0547*5+30*0.0569*10+30*0.0592*(x-20))/(12*x)disp('总还贷额'),p1_3=30+30*0.0506*5+30*0.0547*5+30*0.0569*10+30*0.0592*(x-20)disp('利息负担总额'),p1_4=30*0.0506*5+30*0.0547*5+30*0.0569*10+30*0.0592*(x-20)disp('公积金贷款方案2'),disp('月利率'),p2_1=(0.0372*5+0.0412*5+0.0444*10+0.0477*(x-20))/(12*x)disp('月均还贷额'),p2_2=(30+30*0.0372*5+30*0.0412*5+30*0.0444*10+30*0.0477*(x-20))/(12*x)disp('总还贷额'),p2_3=30+30*0.0372*5+30*0.0412*5+30*0.0444*10+30*0.0477*(x-20)disp('利息负担总额'),p2_4=30*0.0372*5+30*0.0412*5+30*0.0444*10+30*0.0477*(x-20)disp('商业贷款与公积金贷款的利息差价'),p1=p1_4-p2_4end（5）计算结果：（A表示选择方案、B表示月利率、C表示月均还贷额、D表示总还贷额、K表示利息总负担、J表示利息差价、Y表示贷款年数）Y12345A商业公积金商业公积金商业公积金商业公积金商业公积金B0.00420.00310.00420.00310.00420.00310.00420.00310.00420.0031C2.62652.59301.37651.34300.95980.92630.75150.71800.62650.5930D31.51831.11633.03632.23234.55433.34836.07234.46437.59035.580K1.5181.11603.03602.23204.55403.34806.07204.46407.5905.580J0.40200.80401.20601.60682.0100Y678910A商业公积金商业公积金商业公积金商业公积金商业公积金B0.00430.00320.00430.00320.00430.00320.00440.00320.00440.0033C0.54490.51130.48660.45300.44280.40920.40880.37520.38160.3480D39.23136.81640.87238.05242.51339.28844.15440.52445.79541.760K9.2316.81610.8728.05212.5139.288014.15410.52415.79511.760J2.41502.82003.22503.63004.0350Y1112131415A商业公积金商业公积金商业公积金商业公积金商业公积金B0.00440.00330.00440.00330.00450.00340.00450.00340.00450.0034C0.35990.32650.34170.30850.32640.29330.31320.28030.30180.2690D47.50243.09249.20944.42450.91645.75652.62347.08854.33048.420K17.50213.09219.20914.42420.91615.75622.62317.08824.33018.420J4.41004.78505.16005.53505.9100Y167181920A商业公积金商业公积金商业公积金商业公积金商业公积金B0.00450.00340.00450.00340.00450.00350.00460.00350.00460.0035C0.29190.25910.28310.25040.27520.24270.26820.23570.26190.2295D56.03749.75257.74451.08459.45152.41661.15853.74862.86555.080K26.03719.75227.74421.08429.45122.41631.15823.74832.86525.080J6.28506.66007.03507.41007.7850Y2122232425A商业公积金商业公积金商业公积金商业公积金商业公积金B0.00460.00350.00460.00350.00460.00350.00460.00360.00460.0036C0.25650.22420.25160.21950.24710.21510.24290.21110.23920.2075D64.64156.51166.41757.94268.19359.37369.96960.80471.74562.235K34.64126.51136.41727.94238.19329.37339.96930.80441.74532.235J8.13008.47508.82009.16509.5100Y26272