loan-calculator

version	2.0.0
name	loan-calculator
description	贷款计算器。等额本息/等额本金计算、方案对比、提前还款分析、贷款能力评估、还款计划表、再融资分析。Loan calculator with equal installment/principal, comparison, prepayment analysis, affordability, schedule.
author	BytesAgain
homepage	https://bytesagain.com
source	https://github.com/bytesagain/ai-skills

loan-calculator

贷款计算器。等额本息/等额本金计算、方案对比、提前还款分析、贷款能力评估、还款计划表、再融资分析。Loan calculator with equal installment/principal, comparison, prepayment analysis, affordability, schedule, refinance.

如何使用

1. 选择你需要的功能命令
2. 输入你的具体需求描述
3. 获取专业的输出结果
4. 根据需要调整和完善

命令列表

命令	功能
calculate	calculate
compare	compare
prepay	prepay
afford	afford
schedule	schedule
refinance	refinance
help	help

专业建议

• calculate 默认使用等额本息（月供固定），加 equal-principal 切换等额本金
• afford 按月收入的40%计算最大月供，保守安全
• 等额本息**：每月还款相同，前期利息多，适合收入稳定者
• 等额本金**：每月递减，总利息少，适合收入较高者
• 贷款前1/3时间提前还款最划算（利息占比大）

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loan-calculator by BytesAgain

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Examples

# Show help
loan-calculator help

# Run
loan-calculator run

Commands

Run loan-calculator help to see all available commands.