「月费率才 0.5%」听起来像年化 6%，实际接近 11%——因为费率按原始本金收，而你的本金每期都在减少。再加上从放款里直接扣掉的手续费（你没拿到这笔钱却按全额计息），差距还会拉大。这里不做估算：把你的现金流列出来，用二分法解出内部收益率，得到监管口径的真实年化，并和销售报的数字并排放。全部由代码计算。$3 解锁：第 N 期提前还清到底省多少（含违约金）、浮动利率重定价的影响、搭售保险与担保费的还原、逾期罚息的实际计算方式，以及签字前必须问清的一页清单。"Only 0.5% a month" sounds like 6% a year. It's closer to 11% — the rate is charged on the original principal while your balance falls every month. Add a fee deducted from the disbursement (money you never received but still pay interest on) and the gap widens. This doesn't estimate: it solves the internal rate of return on your actual cash flows and shows the regulator-standard annualised rate beside whatever the salesperson quoted. All computed in code. $3 unlocks prepayment modelling with penalties, floating-rate repricing, bundled insurance and guarantee fees unpacked, how late-payment penalties actually compound, and the questions to ask before signing.
提前还款总成本模拟（第 N 期还清省多少、违约金怎么算、什么时候还最划算）+ 浮动利率重定价影响 + 搭售保险与担保费还原成年化 + 逾期罚息的真实计算方式 + 签字前必须问清的一页清单。Prepayment cost modelling (what you save by settling at instalment N, how the penalty is computed, when it stops being worth it), floating-rate repricing, bundled insurance and guarantee fees converted back into APR, how late fees actually accrue, and a one-page list of questions to ask before signing.
本工具做利率换算与成本拆解，不是投资或借贷建议，也不推荐任何贷款产品或机构。计算只基于你输入的数字：如果实际合同里还有本工具未涵盖的费用（账户管理费、按期收取的服务费、保证金、搭售商品差价），真实成本会更高。浮动利率产品的未来利率无法预知，本工具按当前条件静态计算。签约前请以合同条款和放款机构披露的年化利率为准。你填写的内容不入库。This converts and decomposes rates. It is not lending or investment advice and recommends no product or lender. The result reflects only the figures you enter — recurring service charges, deposits or bundled-product markups not entered here make the real cost higher. Floating rates are computed statically at current terms. Rely on the contract and the lender's disclosed annualised rate before signing. Nothing you enter is stored.