def calculateRealInterest(amount, months, percentPerMonth):

    interestAmount = amount * percentPerMonth / 100 * months; #总手续费

    amountPermonth = amount / months; #每期占用银行金额
    occupyMonths = (1 + months) * (months / 2); #总占用月数
    occupyYears = occupyMonths / 12; #占用年数

    occupyAmountForOneYear = amountPermonth * occupyYears; #相当于占用了一年的金额

    realInterest = interestAmount / occupyAmountForOneYear; #实际年化利率

    return {
        '总手续费': interestAmount,
        '相当于占用了一年的金额': occupyAmountForOneYear,
        '实际年化利率': realInterest
    }