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loan-decoder

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把个人贷款、车贷或房贷offer解读成它的真实成本，找出陷阱所在。当有人问'这个贷款划算吗'、'帮我解读贷款offer'、'我在签什么'或'这个房贷到底要花我多少钱'时使用。产出贷款总成本数字、APR与广告利率的对账、分级警示信号（提前还款罚金、垃圾费用、利率重置敞口），以及最能改变这笔交易的三个问题。

skills-i18n/zh/loan-decoder/SKILL.md

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> [loan-decoder](../../../skills/loan-decoder/SKILL.md) 的简体中文翻译 — 英文版本为规范版本。

# 贷款解读技能

贷款文件围绕他们想让你看的数字（月供）搭建，还有几个他们宁愿你别看的。这个技能算出你总共实际要付多少，然后把offer里所有能悄悄让这个数字对你不利的东西分级列出。

## 这个技能产出什么

- 贷款总成本数字：整个周期的全部支出，以及利息+费用小计
- APR 与广告利率的对账——差距从哪来
- 分级警示信号：提前还款罚金、垃圾费用、浮动利率重置敞口、附加产品
- 最能改变这笔交易的三个问题，外加什么可以谈

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