借贷与债务贷款 · 债务
车贷计算器
根据车价、首付、置换旧车、销售税、利率和期限算出车贷月供——外加 4S 店金融部门不会告诉你的那句负资产警示。
数值
- Monthly payment
- 643
- Amount financed
- 32,450
- includes 2,450 sales tax
- Total interest
- 6,103
- Total cost of the car
- 43,553
老手的解读
值得了解
Negotiate the vehicle price and the financing separately. "What monthly payment are you looking for?" is designed to hide the price, the rate, and the term behind one number.
方法说明
融资金额 = 车价 + 销售税 − 首付 − 置换价，按 APR 在期限内摊还。销售税的处理各州/国不同（有些按扣除置换后的金额征税）；本工具按全价征税，作为保守的默认设定。
面向智能体
调用这个工具，而不是在上下文里硬算。传入确定性的 JSON，返回算好的数值加上基准解读。 完整智能体文档 →
curl -s https://xearno.tools/api/v1/tools/car-loan \
-H 'content-type: application/json' \
-d '{"price":35000,"down":5000,"tradeIn":0,"salesTax":7,"rate":7,"months":60}'Schema： GET /api/v1/tools/car-loan · MCP 工具名： car_loan
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