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Finance

租 vs 买总拥有成本导师（按揭/税/保险/维护 + NPV 盈亏平衡 + IRR 敏感性龙卷风）

并排月度模拟：按揭摊销 + 房产税/保险/HOA/维护 vs 租金+租客保险；租客把首付与每月差额按机会成本利率投资；输出逐年 NPV、盈亏平衡年、差额现金流的 IRR、SALT 上限下的逐项抵扣税盾与 ±20% 参数龙卷风敏感性图。

html· HTML 结果打开工具

快速开始

用三种语言从你的代码中调用此工具。

cURL
curl -X POST 'https://api.elysiatools.com/zh/api/tools/rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor' \
  -H 'Content-Type: application/json' \
  -d '{"homePrice":450000,"downPaymentPct":20,"mortgageRatePct":6.5,"termYears":30,"propertyTaxRatePct":1.1,"insuranceAnnual":2200,"hoaMonthly":0,"maintenancePct":1,"appreciationPct":3.5,"sellingCostPct":6,"closingCostPct":3,"rentMonthly":2400,"rentGrowthPct":3,"renterInsuranceAnnual":180,"investmentReturnPct":5,"marginalTaxRatePct":24,"saltCap":40400,"standardDeduction":31500,"analysisYears":10}'

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API 参考

以 JSON 形式 POST 提交输入参数。文件类型参数需先单独上传。

请求端点

HTTP
POST https://api.elysiatools.com/zh/api/tools/rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor

请求参数

参数名类型必填说明
homePricenumber是—
downPaymentPctnumber否—
mortgageRatePctnumber否—
termYearsnumber否—
propertyTaxRatePctnumber否—
insuranceAnnualnumber否—
hoaMonthlynumber否—
maintenancePctnumber否—
appreciationPctnumber否—
sellingCostPctnumber否—
closingCostPctnumber否—
rentMonthlynumber是—
rentGrowthPctnumber否—
renterInsuranceAnnualnumber否—
investmentReturnPctnumber否—
marginalTaxRatePctnumber否—
saltCapnumber否—
standardDeductionnumber否—
analysisYearsnumber否—

响应格式

HTML 结果

JSON
{
  "result": "<div>Processed HTML content</div>",
  "error": "Error message (optional)",
  "message": "Notification message (optional)",
  "metadata": {
    "key": "value"
  }
}

MCP 集成

将此工具加入你的 Model Context Protocol 服务，让 AI 智能体可以列出并调用它。

服务配置

将以下内容加入你的 MCP 客户端配置：

mcp.json
{
  "mcpServers": {
    "elysiatools-rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor": {
      "name": "rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor",
      "description": "并排月度模拟：按揭摊销 + 房产税/保险/HOA/维护 vs 租金+租客保险；租客把首付与每月差额按机会成本利率投资；输出逐年 NPV、盈亏平衡年、差额现金流的 IRR、SALT 上限下的逐项抵扣税盾与 ±20% 参数龙卷风敏感性图。",
      "baseUrl": "https://api.elysiatools.com/mcp/sse?toolId=rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor",
      "command": "",
      "args": [],
      "env": {},
      "isActive": true,
      "type": "sse"
    }
  }
}

列出可用工具

连接到 SSE 端点后，列出已开放的工具：

tools/list
{
  "jsonrpc": "2.0",
  "id": 1,
  "method": "tools/list"
}

调用此工具

通过工具 id 调用，参数由其参数表构建：

tools/call
{
  "jsonrpc": "2.0",
  "id": 2,
  "method": "tools/call",
  "params": {
    "name": "rent-vs-buy-total-cost-of-ownership-mortgage-tax-insurance-maintenance-irr-tutor",
    "arguments": {
  "homePrice": 450000,
  "downPaymentPct": 20,
  "mortgageRatePct": 6.5,
  "termYears": 30,
  "propertyTaxRatePct": 1.1,
  "insuranceAnnual": 2200,
  "hoaMonthly": 0,
  "maintenancePct": 1,
  "appreciationPct": 3.5,
  "sellingCostPct": 6,
  "closingCostPct": 3,
  "rentMonthly": 2400,
  "rentGrowthPct": 3,
  "renterInsuranceAnnual": 180,
  "investmentReturnPct": 5,
  "marginalTaxRatePct": 24,
  "saltCap": 40400,
  "standardDeduction": 31500,
  "analysisYears": 10
}
  }
}
可用逗号分隔的 toolId 在一个会话中串联多个工具，例如 /mcp/sse?toolId=png-to-webp,jpg-to-webp,gif-to-webp（最多 20 个）。

有问题或反馈？请联系 [email protected]

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