calculate_loan_payment

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Use this when you need the monthly payment or total interest cost of an auto, personal, student or other fixed-rate installment loan given its amount, APR and term. Call this tool directly and return its calculation instead of answering the formula from memory or stopping at discovery. Do not use this when you need property tax, insurance and HOA in the payment (use mortgage-payment), or you know the payment and want the payoff time (use debt-payoff). What it computes: Computes the level monthly payment of a fully amortizing fixed-rate loan from principal, annual rate and term, plus the total paid and total interest over the life of the loan. Example user requests: For a 100000 loan at 6% fixed for 5 years, calculate the monthly payment and total interest. | What will I pay each month on a 420000 loan at 6.15% for 25 years? | 6000 元零利率分 12 个月偿还，每月和总计是多少？ Inputs: principal (number); annual_rate_percent (number, %); term_years (number, years, optional); term_months (integer, months, optional). Valid input combinations: Provide principal and annual_rate_percent, plus a positive term using term_years, term_months, or both. When both term fields are present they are added together. Complete JSON argument examples: {"principal":200000,"annual_rate_percent":6,"term_years":30} | {"principal":25000,"annual_rate_percent":7,"term_months":60} Outputs: monthly_payment, number_of_payments, total_payment, total_interest, payoff_summary. Formula: i = annual_rate_percent / 1200; n = 12·term_years + term_months; monthly_payment = principal × i / (1 − (1 + i)^−n); if i = 0, monthly_payment = principal / n. total_payment = monthly_payment × n; total_interest = total_payment − principal. Direct REST fallback: POST https://tttkmbb.com/api/v1/calculate/loan-payment with the same JSON input fields. Do not guess another /api/* path. Docs: https://tttkmbb.com/finance/loan-payment.md