我正在测试此代码...
import pandas as pd
from datetime import date
import numpy as np
from collections import OrderedDict
from dateutil.relativedelta import *
def amortize(principal, interest_rate, years, addl_principal=0, annual_payments=12, start_date=date.today()):
pmt = -round(np.pmt(interest_rate/annual_payments, years*annual_payments, principal), 2)
# initialize the variables to keep track of the periods and running balances
p = 1
beg_balance = principal
end_balance = principal
while end_balance > 0:
# Recalculate the interest based on the current balance
interest = round(((interest_rate/annual_payments) * beg_balance), 2)
# Determine payment based on whether or not this period will pay off the loan
pmt = min(pmt, beg_balance + interest)
principal = pmt - interest
# Ensure additional payment gets adjusted if the loan is being paid off
addl_principal = min(addl_principal, beg_balance - principal)
end_balance = beg_balance - (principal + addl_principal)
yield OrderedDict([('Month',start_date),
('Period', p),
('Begin Balance', beg_balance),
('Payment', pmt),
('Principal', principal),
('Interest', interest),
('Additional_Payment', addl_principal),
('End Balance', end_balance)])
# Increment the counter, balance and date
p += 1
start_date += relativedelta(months=1)
beg_balance = end_balance
schedule = pd.DataFrame(amortize(700000, .04, 30, addl_principal=200, start_date=date(2016, 1,1)))
schedule.head()
schedule.tail()
schedule1, stats1 = amortization_table(100000, .04, 30, addl_principal=50, start_date=date(2016,1,1))
schedule2, stats2 = amortization_table(100000, .05, 30, addl_principal=200, start_date=date(2016,1,1))
schedule3, stats3 = amortization_table(100000, .04, 15, addl_principal=0, start_date=date(2016,1,1))
pd.DataFrame([stats1, stats2, stats3])
additional_payments = [0, 50, 200, 500]
fig, ax = plt.subplots(1, 1)
for pmt in additional_payments:
result, _ = amortization_table(100000, .04, 30, addl_principal=pmt, start_date=date(2016,1,1))
ax.plot(result['Month'], result['End Balance'], label='Addl Payment = ${}'.format(str(pmt)))
plt.title("Pay Off Timelines")
plt.ylabel("Balance")
ax.legend();
我从下面的链接中找到了代码：
http://pbpython.com/amortization-model.html
该示例代码似乎适用于发布该示例的人，但对我来说，我看到的只是以下错误...
NameError: name 'amortization_table' is not defined
答案 0 :(得分：1)
如果您在http://pbpython.com/amortization-model.html中的amortization_Table上执行了ctrl + F，则可以解决该问题。在“分析时间”部分下，以下代码块定义了amortization_table。另请参阅笔记本-https://github.com/chris1610/pbpython/blob/master/notebooks/Amortization-Model-Article.ipynb
def amortization_table(interest_rate, years, payments_year, principal, addl_principal=0, start_date=date.today()):
""" Calculate the amortization schedule given the loan details
Args:
interest_rate: The annual interest rate for this loan
years: Number of years for the loan
payments_year: Number of payments in a year
principal: Amount borrowed
addl_principal (optional): Additional payments to be made each period. Assume 0 if nothing provided.
must be a value less then 0, the function will convert a positive value to
negative
start_date (optional): Start date. Will start on first of next month if none provided
Returns:
schedule: Amortization schedule as a pandas dataframe
summary: Pandas dataframe that summarizes the payoff information
"""
# Ensure the additional payments are negative
if addl_principal > 0:
addl_principal = -addl_principal
# Create an index of the payment dates
rng = pd.date_range(start_date, periods=years * payments_year, freq='MS')
rng.name = "Payment_Date"
# Build up the Amortization schedule as a DataFrame
df = pd.DataFrame(index=rng,columns=['Payment', 'Principal', 'Interest',
'Addl_Principal', 'Curr_Balance'], dtype='float')
# Add index by period (start at 1 not 0)
df.reset_index(inplace=True)
df.index += 1
df.index.name = "Period"
# Calculate the payment, principal and interests amounts using built in Numpy functions
per_payment = np.pmt(interest_rate/payments_year, years*payments_year, principal)
df["Payment"] = per_payment
df["Principal"] = np.ppmt(interest_rate/payments_year, df.index, years*payments_year, principal)
df["Interest"] = np.ipmt(interest_rate/payments_year, df.index, years*payments_year, principal)
# Round the values
df = df.round(2)
# Add in the additional principal payments
df["Addl_Principal"] = addl_principal
# Store the Cumulative Principal Payments and ensure it never gets larger than the original principal
df["Cumulative_Principal"] = (df["Principal"] + df["Addl_Principal"]).cumsum()
df["Cumulative_Principal"] = df["Cumulative_Principal"].clip(lower=-principal)
# Calculate the current balance for each period
df["Curr_Balance"] = principal + df["Cumulative_Principal"]
# Determine the last payment date
try:
last_payment = df.query("Curr_Balance <= 0")["Curr_Balance"].idxmax(axis=1, skipna=True)
except ValueError:
last_payment = df.last_valid_index()
last_payment_date = "{:%m-%d-%Y}".format(df.loc[last_payment, "Payment_Date"])
# Truncate the data frame if we have additional principal payments:
if addl_principal != 0:
# Remove the extra payment periods
df = df.ix[0:last_payment].copy()
# Calculate the principal for the last row
df.ix[last_payment, "Principal"] = -(df.ix[last_payment-1, "Curr_Balance"])
# Calculate the total payment for the last row
df.ix[last_payment, "Payment"] = df.ix[last_payment, ["Principal", "Interest"]].sum()
# Zero out the additional principal
df.ix[last_payment, "Addl_Principal"] = 0
# Get the payment info into a DataFrame in column order
payment_info = (df[["Payment", "Principal", "Addl_Principal", "Interest"]]
.sum().to_frame().T)
# Format the Date DataFrame
payment_details = pd.DataFrame.from_items([('payoff_date', [last_payment_date]),
('Interest Rate', [interest_rate]),
('Number of years', [years])
])
# Add a column showing how much we pay each period.
# Combine addl principal with principal for total payment
payment_details["Period_Payment"] = round(per_payment, 2) + addl_principal
payment_summary = pd.concat([payment_details, payment_info], axis=1)
return df, payment_summary