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MOCHILAB / AI SKILL
Loan Offer Cost Comparison
Compare loan offers using net proceeds, amortizing payments, fees and effective cash-flow yields.
What it does
Compare loan offers using net proceeds, amortizing payments, fees and effective cash-flow yields.
- Compare fixed terms and rates
- Withheld upfront and monthly fees
- Net proceeds and financing costs
- Dated cash-flow effective annual yield
Try saying
Use my supplied records to compare loan offers using net proceeds, amortizing payments, fees and effective cash-flow yields.
Export a reproducible report with the assumptions, key metrics and detailed CSV. Ask me for missing facts first.
Calculation scope
principal is the contractual amount. upfront_fee is withheld from disbursement; monthly_fee is added to repayments. Interest is nominal annual divided by twelve. The effective annual yield uses dated net proceeds and repayments on Actual/365; it is not a statutory APR disclosure.
Deliverables and runtime
Includes executable Python 3.10+ standard-library calculations, independent numerical tests, fictional examples and an input reference. Supported flat collections accept CSV. No extra market-data key is needed. Files stay in the active assistant workspace, with input and output hashes. Analysis only; no account access or automatic trading.
References