@jjlmoya/utils-finance 1.46.0 → 1.47.0

package/src/tool/loanAprScenarioCalculator/i18n/zh.ts

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+import type { ToolLocaleContent } from "../../../types";
+import { bibliography } from "../bibliography";
+import type { LoanAprScenarioCalculatorUI } from "../ui";
+
+const ui: LoanAprScenarioCalculatorUI = {
+  labelScenarioA: "方案 A",
+  labelScenarioB: "方案 B",
+  labelScenarioName: "方案名称",
+  labelCurrency: "货币",
+  labelApproximateRates: "用于规划的近似换算系数，不是实时汇率。",
+  labelPrincipal: "借款金额",
+  labelTerm: "还款期限",
+  labelMonths: "个月",
+  labelInputBasis: "你知道哪些数据？",
+  labelAnnualRate: "名义年利率",
+  labelMonthlyPayment: "已知月供",
+  labelUpfrontFees: "前期费用",
+  labelMonthlyFees: "月度费用",
+  labelFinalFees: "最后费用",
+  labelOfferNameA: "方案 A",
+  labelOfferNameB: "方案 B",
+  labelRateMode: "我知道利率",
+  labelPaymentMode: "我知道月供",
+  labelPreset: "开始比较",
+  labelPresetBalanced: "均衡方案",
+  labelPresetLowFee: "低利率加费用",
+  labelPresetLongTerm: "更长期限",
+  labelReset: "重置数值",
+  labelCopy: "复制比较结果",
+  labelCopied: "已复制比较结果",
+  labelEffectiveApr: "有效年度成本",
+  labelNominalRate: "名义利率",
+  labelMonthlyPaymentResult: "月供",
+  labelTotalPaid: "总支付",
+  labelTotalFees: "场景费用",
+  labelFinanceCost: "超过本金的成本",
+  labelNetCashReceived: "扣除前期费用后的到账金额",
+  labelWinner: "哪个方案成本更低？",
+  labelLowerCost: "有效成本更低",
+  labelHigherCost: "有效成本更高",
+  labelTie: "几乎相同",
+  labelNeedValidInputs: "需要有效数据",
+  labelInvalidPrincipal: "借款金额必须大于零，并且高于前期费用。",
+  labelInvalidTerm: "请输入1到600个月之间的整数期限。",
+  labelInvalidFees: "费用不能为负数。",
+  labelInvalidPayment: "请输入能够偿还到账净额的正数月供。",
+  labelInvalidRate: "请输入0%到100%之间的名义年利率。",
+  labelNoComparison: "请填写两个方案后再比较。",
+  labelTimeline: "付款时间线",
+  labelStart: "开始",
+  labelMonthly: "每月",
+  labelEnd: "最后一个月",
+  labelFormula: "比较方式",
+  labelFormulaText:
+    "有效年度成本是将月利率年化后的结果，它使到账金额等于折现后的付款和费用。",
+  labelApproximation:
+    "估算假设月供相同、没有宽限期，并且只包含你输入的费用。它不能替代贷款机构提供的正式 APR。",
+  labelScenarioSummary: "场景摘要",
+  currencyCode: "CNY",
+  currencyLocale: "zh-CN",
+};
+
+const faq = [
+  {
+    question: "利率和有效年度成本有什么区别？",
+    answer:
+      "名义利率描述余额产生的利息。有效年度成本还会反映你输入的前期、月度和最后费用的金额与发生时间。",
+  },
+  {
+    question: "可以输入月供而不是利率吗？",
+    answer:
+      "可以。请为该方案选择已知月供，计算器会根据到账金额、付款流和费用推算相应的月利率。",
+  },
+  {
+    question: "哪个方案更便宜？",
+    answer:
+      "先比较有效年度成本，再查看总支付和到账金额。如果期限或金额不同，百分比较低的方案仍可能有更高的总成本。",
+  },
+  {
+    question: "这是贷款机构的正式 APR 吗？",
+    answer:
+      "不是。这是根据输入数据得出的透明场景估算。不同贷款机构和地区可能以不同方式计算税费、保险、付款日期和其他成本。",
+  },
+];
+
+const howTo = [
+  {
+    name: "输入金额和期限",
+    text: "为每个方案输入预计到账金额和月度还款次数。",
+  },
+  { name: "选择已知数据", text: "根据方案资料输入名义年利率或月供。" },
+  {
+    name: "加入所有费用",
+    text: "输入开始时、每月和最后产生的费用，以反映完整现金流。",
+  },
+  {
+    name: "阅读比较结果",
+    text: "使用有效年度成本比较，并在决定前查看总支付和到账金额。",
+  },
+];
+
+const schemas = [
+  {
+    "@context": "https://schema.org",
+    "@type": "SoftwareApplication",
+    name: "贷款 APR 场景计算器",
+    description: "比较包含利率、月供和费用的两个贷款场景。",
+    applicationCategory: "FinanceApplication",
+    operatingSystem: "All",
+    offers: { "@type": "Offer", price: "0", priceCurrency: "CNY" },
+  },
+  {
+    "@context": "https://schema.org",
+    "@type": "FAQPage",
+    mainEntity: faq.map((item) => ({
+      "@type": "Question",
+      name: item.question,
+      acceptedAnswer: { "@type": "Answer", text: item.answer },
+    })),
+  },
+  {
+    "@context": "https://schema.org",
+    "@type": "HowTo",
+    name: "比较两个贷款方案",
+    description: "建立两个贷款的现金流并比较有效年度成本。",
+    step: howTo.map((step, index) => ({
+      "@type": "HowToStep",
+      position: index + 1,
+      name: step.name,
+      text: step.text,
+    })),
+  },
+];
+
+export const content: ToolLocaleContent<LoanAprScenarioCalculatorUI> = {
+  slug: "loan-apr-scenario-calculator",
+  title: "贷款 APR 场景计算器",
+  description:
+    "比较两个贷款方案的利率、还款安排和费用，在决定前估算有效年度成本。",
+  ui,
+  faq,
+  bibliography,
+  howTo,
+  schemas,
+  seo: [
+    { type: "title", text: "按有效年度成本比较贷款", level: 2 },
+    {
+      type: "paragraph",
+      html: "<p>较低的广告利率可能隐藏手续费、月度服务费或最后费用。这个计算器会把两个方案的细节转换为可比较的现金流，让你看到实际到账资金的成本。</p>",
+    },
+    { type: "title", text: "估算包含哪些内容", level: 3 },
+    {
+      type: "paragraph",
+      html: "<p>为每个方案输入借款金额、期限、名义年利率或已知月供，以及不同时间产生的费用。计算器会找到使到账净额与折现后的付款和费用相平衡的月利率，然后将其年化。</p>",
+    },
+    {
+      type: "paragraph",
+      html: "<p>这样比较的不只是利率本身。正式 APR 可能遵循地区规则并包含你没有输入的假设，因此这里的结果明确属于估算。</p>",
+    },
+    { type: "title", text: "如何阅读结果", level: 3 },
+    {
+      type: "list",
+      items: [
+        "当金额和期限接近时，比较有效年度成本。",
+        "查看总支付，了解实际现金影响。",
+        "查看扣除前期费用后的到账金额。",
+        "使用付款时间线了解每项费用何时发生。",
+      ],
+    },
+    {
+      type: "tip",
+      title: "最终请以贷款文件为准",
+      html: "<p>比较真实合同时，请用相同假设核对贷款机构的 APR。确认保险、税费、浮动利率、提前还款费用以及未输入的收费。</p>",
+    },
+    { type: "title", text: "场景估算的限制", level: 3 },
+    {
+      type: "paragraph",
+      html: "<p>工具假设月供相同、没有宽限期，并只处理开始时、期限中或最后一个月的费用。它不能证明负担能力、审批结果、合法性或产品的正式 APR。</p>",
+    },
+  ],
+};

package/src/tool/loanAprScenarioCalculator/index.ts

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+import type { ToolDefinition } from "../../types";
+import { loanAprScenarioCalculator } from "./entry";
+
+export * from "./entry";
+
+export const LOAN_APR_SCENARIO_CALCULATOR_TOOL: ToolDefinition = {
+  entry: loanAprScenarioCalculator,
+  Component: () => import("./component.astro"),
+  SEOComponent: () => import("./seo.astro"),
+  BibliographyComponent: () => import("./bibliography.astro"),
+};