有没有更好的方法在Python中创建贷款摊销表？

如何解决有没有更好的方法在Python中创建贷款摊销表？

我正在尝试创建贷款的简单摊销。由于某种原因，我的代码会在一段时间后停止工作。从2006-04-30开始，我的代码无法识别期初余额，也没有计算此余额的利息，也没有计算期末余额。任何建议都将不胜感激。

import numpy as np
import pandas as pd
from datetime import datetime

data = pd.DataFrame({'date': pd.date_range("2006-01-01","2011-12-31",freq='M')})
data['date'] = pd.to_datetime(data['date'])
data.set_index(data['date'],inplace=True)

orig_balance = 1000000
interest_rate = .06
day_count = 30/360
data['monthly_principal_pmt'] = 10000
date_cut_off = '2006-01-31'

data['beginning_balance']  = 0

for row in data:
    
    data.at[date_cut_off,'beginning_balance'] = orig_balance
    
    data['ending_balance'] = np.maximum(data['beginning_balance'] - data['monthly_principal_pmt'],0)
    
    data['monthly_interest_pmt'] = data['beginning_balance'] * day_count * interest_rate 
    
    data['beginning_balance'] = data['ending_balance'].shift()

解决方法

谢谢您的帮助！现在可以正常工作：

import numpy as np
import pandas as pd
from datetime import datetime

data = pd.DataFrame({'date': pd.date_range("2006-01-01","2011-12-31",freq='M')})
data['date'] = pd.to_datetime(data['date'])
data.set_index(data['date'],inplace=True)

orig_balance = 1000000
interest_rate = .06
day_count = 30/360
data['monthly_principal_pmt'] = 10000
date_cut_off = '2006-01-31'

data['beginning_balance']  = 0

for yr in range(1,72):
    
    data.at[date_cut_off,'beginning_balance'] = orig_balance
    
    data['ending_balance'] = np.maximum(data['beginning_balance'] - data['monthly_principal_pmt'],0)
    #data['ending_balance'] = data['beginning_balance'] - data['monthly_principal_pmt']

    
    
    data['monthly_interest_pmt'] = data['beginning_balance'] * day_count * interest_rate 
    
    data['beginning_balance'] = data['ending_balance'].shift()