Python3如何创建返回抵押贷款场景模拟的函数

def mortgage_simulation(principal, interest_rate, loan_term):
    """
    抵押贷款场景模拟函数

    参数:
    principal (float): 贷款本金
    interest_rate (float): 年利率
    loan_term (int): 贷款期限（以年为单位）

    返回值:
    float: 每月还款金额
    """

    # 将年利率转换为月利率
    monthly_interest_rate = interest_rate / 12 / 100

    # 将贷款期限转换为月数
    loan_term_months = loan_term * 12

    # 计算每月还款金额
    monthly_payment = (principal * monthly_interest_rate) / (1 - (1 + monthly_interest_rate) ** -loan_term_months)

    return monthly_payment

principal = 1000000  # 贷款本金
interest_rate = 5.0  # 年利率
loan_term = 20  # 贷款期限（以年为单位）

monthly_payment = mortgage_simulation(principal, interest_rate, loan_term)
print("每月还款金额：", monthly_payment)