AI Loan Calculator
Smart calculation for mortgage, auto, consumer loans with AI-optimized repayment plans to save on interest
Calculator Interface
Interactive calculator will be available soon
Features
- ✓ Supports mortgage, auto, consumer, business loans and more
- ✓ AI compares equal principal & interest, equal principal, interest-first repayment methods
- ✓ Prepayment calculation with optimal timing analysis
- ✓ Auto-updated LPR rates, supports fixed and floating rate calculations
- ✓ Detailed repayment schedule with visualized interest and principal breakdown
How to Use
- Select loan type (mortgage/auto/consumer/etc.)
- Input loan amount, term, and interest rate
- Choose repayment method, AI auto-calculates optimal plan
- View detailed repayment schedule and interest analysis
FAQ
Are the interest rate data accurate?
System auto-fetches latest central bank LPR rates while supporting manual input of bank-specific rates for accuracy.
Can it calculate housing provident fund loans?
Yes. Supports pure provident fund loans, pure commercial loans, and combined loans with optimal ratio calculation.
Is prepayment worthwhile?
The system analyzes your loan situation with AI to determine if prepayment saves interest and recommends optimal timing.
Does it support multi-currency calculation?
Yes. Calculate loans in CNY, USD, EUR, GBP and more with auto-updated exchange rates.
Can I export the repayment schedule?
Yes. Export to Excel repayment schedule for archiving and bank comparison.