貸款與債務貸款 · 債務
車貸計算器
從車價、頭期款、折抵舊車、營業稅、利率與期數算出車貸月付——外加車商財務部門不會給你的負權益警示。
數字
- Monthly payment
- 643
- Amount financed
- 32,450
- includes 2,450 sales tax
- Total interest
- 6,103
- Total cost of the car
- 43,553
行家的解讀
值得一提
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.
方法論
貸款本金 = 車價 + 營業稅 − 頭期款 − 折抵舊車，依 APR 於期數內攤還。營業稅的計法各州／各國不同（有些以折抵後金額課稅）；本工具以全額車價課稅，作為較保守的預設。
給代理使用
呼叫這個工具，而不是在對話脈絡裡自行計算。輸入確定性的 JSON，取回計算後的數值以及基準解讀。 完整代理文件 →
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 工具名稱： car_loan
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