Loan calculator in Python

from array import array
import numpy as np
import pandas as pan
from xlsxwriter.workbook import Workbook
from xlsxwriter.utility import xl_range, xl_rowcol_to_cell

monto = 2442900
descuento = 14620.62
plazo = 180  # Term
tasa = 0.113  # interest rate

life_insurance_rate = 0.6
damage_insurance_rate = 0.275

comision = 'Financiada'
comision_ini = 0.015  # fee

valor_vivienda = monto  # House value
seg_vida = monto / 1000 * life_insurance_rate
seg_danos = monto / 1000 * damage_insurance_rate * 1.16

pago_req = np.pmt(tasa / 12, plazo, -monto, when='end')
pago_total = pago_req + seg_danos + seg_vida

if comision == 'Financiada':
    comision_ini = monto * 0.015
else:
    comision_ini = 0.0

balance = monto + comision_ini

interes_req = 0.0
capital_acre = 0.0
capital_apoyo = 0.0
capital = 0.0
apoyo = 0.0

data = np.zeros((360, 10))
data[0][9] = monto

for i in range(1, plazo + 1):
    data[i][0] = i
    data[i][1] = balance * tasa / 12  # interes requerido
    data[i][2] = balance  # Saldo inicial

    # Calculo de seguros
    if i == 60:
        first_amount_5years = balance
    if i == 120:
        first_amount_10years = balance

    if i > 59 and i < 119:
        seg_vida = first_amount_5years / 1000 * life_insurance_rate
        seg_danos = valor_vivienda * 0.85 * (1 + 0.03 * 1.5) ** 5 / 1000 * damage_insurance_rate * 1.16
    elif i >= 119:
        seg_vida = first_amount_10years / 1000 * life_insurance_rate
        seg_danos = valor_vivienda * 0.85 * (1 + 0.03 * 1.5) ** 10 / 1000 * damage_insurance_rate * 1.16

    if balance <= 0:
        seg_vida = 0.0
        seg_danos = 0.0

    # Calculo de intereses
    interes_per = balance * tasa / 12
    interes_acre = balance * 0.01 / 12
    interes_apoyo = interes_per - interes_acre

    # Calculo de capital
    capital_acre = min(
        balance,
        pago_req - interes_per + descuento - interes_acre - (pago_req - interes_per) - seg_vida - seg_danos
    )

    capital_apoyo = max(0, min(pago_req - interes_per - capital_acre, balance - interes_acre))
    capital = capital_acre + capital_apoyo
    balance = max(0, balance - capital)
    apoyo = interes_apoyo + capital_apoyo

    data[i][3] = capital
    data[i][4] = interes_acre
    data[i][5] = apoyo
    data[i][6] = seg_vida
    data[i][7] = seg_danos
    data[i][8] = interes_per + capital + seg_danos + seg_vida
    data[i][9] = balance

# output to a csv file
file = open('tabla.csv', 'w+')
file.write('Periodo,Interes requerido, Saldo inicial, Capital, Interes Acreditado, Apoyo, Seg. Vida, Seg. Danos, Pago Total, Saldo Final')

for row in data:
    file.write('\n')
    for value in row:
        file.write(str(value) + ',')

file.close()

# output to an excel file
wb = Workbook('Amortizacion.xlsx')

encabezado = wb.add_format({'bold': True, 'font_name': 'Calibri', 'font_size': 12, 'bottom': 1})
number_format = wb.add_format({'num_format': '#,##0.00'})

sheet = wb.add_worksheet('Tabla_de_amortizacion')
sheet.set_column(0, 29, 10)
sheet.set_zoom(80)
sheet.hide_gridlines(3)

sheet.write_string(2, 0, 'Periodo', encabezado)
sheet.write_string(2, 1, 'Interes requerido', encabezado)
sheet.write_string(2, 2, 'Saldo Inicial', encabezado)
sheet.write_string(2, 3, 'Capital', encabezado)
sheet.write_string(2, 4, 'Interes Acreditado', encabezado)
sheet.write_string(2, 5, 'Apoyo', encabezado)
sheet.write_string(2, 6, 'Seg. Vida', encabezado)
sheet.write_string(2, 7, 'Seg. Danos', encabezado)
sheet.write_string(2, 8, 'Pago Total', encabezado)
sheet.write_string(2, 9, 'Saldo Final', encabezado)

ld = len(data)

for row in range(0, ld):
    v = data[row]
    j = 0
    for col in v:
        sheet.write_number(row + 3, j, max(col, 0), number_format)
        j += 1

chart = wb.add_chart({'type': 'line'})

chart.add_series({
    'name': 'Capital',
    'values': '=Tabla_de_amortizacion!$D$4:$D$' + str(plazo + 3),
    'line': {'color': '#2e9fff'}
})

chart.add_series({
    'name': 'Interes Acr.',
    'values': '=Tabla_de_amortizacion!$E$4:$E$' + str(plazo + 3),
    'line': {'color': '#000072'}
})

chart.add_series({
    'name': 'Apoyo',
    'values': '=Tabla_de_amortizacion!$F$4:$F$' + str(plazo + 3),
    'line': {'color': '#9BBB59'}
})

chart.add_series({
    'name': 'Seg. Vida',
    'values': '=Tabla_de_amortizacion!$G$4:$G$' + str(plazo + 3),
    'line': {'color': '#E46C0A'}
})

chart.add_series({
    'name': 'Seg. Danos',
    'values': '=Tabla_de_amortizacion!$H$4:$H$' + str(plazo + 3),
    'line': {'color': '#00FF00'}
})

chart.add_series({
    'name': 'Pago Total',
    'values': '=Tabla_de_amortizacion!$I$4:$I$' + str(plazo + 3),
    'line': {'color': '#38C99E'}
})

chart.set_legend({'position': 'bottom'})
chart.set_size({'width': 720, 'height': 576})
chart.set_chartarea({'border': {'none': True}, 'fill': {'color': 'white'}})

sheet.insert_chart('L4', chart)
wb.close()