有没有更好的方法在Python中创建贷款分期付款表？

import pandas as pd
from openpyxl import Workbook

wb = Workbook()
ws = wb.active

loan_amount = 100000  # 贷款金额
interest_rate = 0.05  # 年利率
loan_term = 5  # 贷款期限（年）
monthly_payment = 0  # 每月还款额

# 计算每月还款额
num_payments = loan_term * 12  # 还款期数（月）
monthly_interest_rate = interest_rate / 12  # 月利率
monthly_payment = loan_amount * monthly_interest_rate / (1 - (1 + monthly_interest_rate) ** -num_payments)

headers = ['期数', '本月还款额', '本月利息', '本月本金', '剩余贷款余额']
ws.append(headers)

remaining_balance = loan_amount

for i in range(1, num_payments + 1):
    interest_payment = remaining_balance * monthly_interest_rate
    principal_payment = monthly_payment - interest_payment
    remaining_balance -= principal_payment
    
    row = [i, monthly_payment, interest_payment, principal_payment, remaining_balance]
    ws.append(row)

wb.save('贷款分期付款表.xlsx')