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.

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 Mortgage Calculator 技能。若已安装，则直接安装 Mortgage Calculator 技能。

Overview

Skill Key: ckchzh/mortgage-calculator
Author: ckchzh
Source Repo: openclaw/skills
Version: -
Source Path: skills/ckchzh/mortgage-calculator
Latest Commit SHA: ef8add688fcabe8a7ea98732a924bc2c892ca3cc

Extracted Content

SKILL.md excerpt

# 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

```bash
# 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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Dependencies

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