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.

View Source SKILL.md

Stars

Installs

Status

ACTIVE

Visibility

PUBLIC

安装方式

直接复制以下提示词，发送给你的 AI 助手即可完成安装。

请先检查是否已安装 SkillHub 商店，若未安装，请根据 https://skillhub-1388575217.cos.ap-guangzhou.myqcloud.com/install/skillhub.md 安装 SkillHub 商店，然后安装 loan-calculator 技能。若已安装，则直接安装 loan-calculator 技能。

Overview

Skill Key: ckchzh/loan-calculator
Author: BytesAgain
Source Repo: openclaw/skills
Version: 1.0.0
Source Path: skills/ckchzh/loan-calculator
Latest Commit SHA: 6ee5e1eb89326b01be9e562fdbe3b338e753d5e4

Extracted Content

SKILL.md excerpt

# 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）

---
*loan-calculator by BytesAgain*

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