🧪 Skills
Mortgage Calculator
房贷计算器。等额本息、等额本金、提前还款、利率对比、月供计算、贷款能力评估。Mortgage calculator with equal principal, prepayment analysis, rate comparison, afford
v2.3.0
Description
name: Mortgage Calculator description: "房贷计算器。等额本息、等额本金、提前还款、两种方式对比、贷款能力评估。. Use when you need mortgage calculator capabilities. Triggers on: mortgage calculator." 房贷计算器。等额本息、等额本金、提前还款、利率对比、月供计算、贷款能力评估。Mortgage calculator with equal principal, prepayment analysis, rate comparison, affordability assessment. 房贷计算、买房、月供、公积金贷款、我能贷多少。Use when calculating mortgage payments.
mortgage-calculator
房贷计算器。等额本息、等额本金、提前还款、两种方式对比、贷款能力评估。
Commands
All commands via scripts/mortgage.sh:
| Command | Usage | Description |
|---|---|---|
equal-payment |
mortgage.sh equal-payment "总额万" "年限" "利率%" |
等额本息计算（月供固定） |
equal-principal |
mortgage.sh equal-principal "总额万" "年限" "利率%" |
等额本金计算（月供递减） |
prepay |
mortgage.sh prepay "剩余本金万" "已还月数" "提前还款万" |
提前还款节省利息计算 |
compare |
mortgage.sh compare "总额万" "年限" "利率%" |
等额本息 vs 等额本金全面对比 |
afford |
mortgage.sh afford "月收入" "月支出" |
我能贷多少？（反算贷款能力） |
help |
mortgage.sh help |
显示帮助信息 |
Examples
# 贷款100万，30年，利率3.5%（等额本息）
bash scripts/mortgage.sh equal-payment 100 30 3.5
# 贷款80万，20年，利率3.5%（等额本金）
bash scripts/mortgage.sh equal-principal 80 20 3.5
# 剩余本金60万，已还60个月，提前还20万
bash scripts/mortgage.sh prepay 60 60 20
# 对比两种还款方式
bash scripts/mortgage.sh compare 100 30 3.5
# 月收入2万，月支出5千，能贷多少？
bash scripts/mortgage.sh afford 20000 5000
Reference
- 参考文档:
tips.md— 房贷实用指南（提前还款攻略、利率知识、买房避坑）
Notes
- 金额单位：万元
- 利率单位：年利率百分比（如3.5表示3.5%）
- 纯本地计算，无需联网
- Python 3.6+ 兼容
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