房屋租赁投资分析

正常 NEW

房产投资收益分析，计算回报率、IRR、回收期与投资评级。

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健康检查

服务存活探测

调用方式：在接口地址后拼接 ?key=您的API密钥 即可直接调用；也可改用 Authorization: Bearer 或 X-App-Key 请求头传递，避免密钥出现在访问日志中。

GET http://www.shujuyu.cn/v1/api/rental/ping JSON

请求参数

参数名	类型	必填	说明
key	string	是	您的API密钥，可在个人中心获取

返回参数说明

参数名	类型	说明
code	integer	状态码，200 表示成功
msg	string	返回消息
data	object	业务数据
data.version	string	数据版本
data.time	string	数据时间
data.features	array	功能特性
data.features[]	string	功能特性
data.batch_limit	integer	批量查询允许的最大条数

请求示例

返回示例

{"msg":"success","code":200,"data":{"time":"2026-10-22 22:50:23","version":"1.0","features":["gross_yield","net_yield","cap_rate"],"batch_limit":10}}

计算规则

返回参数说明与默认值

调用方式：在接口地址后拼接 ?key=您的API密钥 即可直接调用；也可改用 Authorization: Bearer 或 X-App-Key 请求头传递，避免密钥出现在访问日志中。

GET http://www.shujuyu.cn/v1/api/rental/rules JSON

请求参数

参数名	类型	必填	说明
key	string	是	您的API密钥，可在个人中心获取

返回参数说明

参数名	类型	说明
code	integer	状态码，200 表示成功
msg	string	返回消息
data	object	业务数据
data.defaults	object	默认参数
data.defaults.loan_rate	object	贷款利率
data.defaults.loan_rate.value	number	值
data.defaults.loan_rate.note	string	备注
data.defaults.down_payment_ratio	object	首付比例
data.defaults.down_payment_ratio.value	number	值
data.defaults.down_payment_ratio.note	string	备注
data.defaults.loan_years	object	贷款年限
data.defaults.loan_years.value	integer	值
data.defaults.loan_years.note	string	备注
data.defaults.holding_years	object	持有年限
data.defaults.holding_years.value	integer	值
data.defaults.holding_years.note	string	备注
data.defaults.vacancy_rate	object	空置率
data.defaults.vacancy_rate.value	number	值
data.defaults.vacancy_rate.note	string	备注
data.defaults.maintenance_rate	object	维护费率
data.defaults.maintenance_rate.value	number	值
data.defaults.maintenance_rate.note	string	备注
data.defaults.insurance_rate	object	保险费率
data.defaults.insurance_rate.value	number	值
data.defaults.insurance_rate.note	string	备注
data.defaults.rental_income_tax_rate	object	租金所得税率
data.defaults.rental_income_tax_rate.value	number	值
data.defaults.rental_income_tax_rate.note	string	备注
data.defaults.rental_growth	object	租金增长率
data.defaults.rental_growth.value	number	值
data.defaults.rental_growth.note	string	备注
data.defaults.property_growth	object	房价增长率
data.defaults.property_growth.value	number	值
data.defaults.property_growth.note	string	备注
data.defaults.acquisition_tax_rate	object	契税率
data.defaults.acquisition_tax_rate.value	number	值
data.defaults.acquisition_tax_rate.note	string	备注
data.defaults.acquisition_agency_rate	object	中介费率
data.defaults.acquisition_agency_rate.value	number	值
data.defaults.acquisition_agency_rate.note	string	备注
data.defaults.exit_tax_rate	object	退出税率
data.defaults.exit_tax_rate.value	number	值
data.defaults.exit_tax_rate.note	string	备注
data.defaults.exit_agency_rate	object	退出中介费率
data.defaults.exit_agency_rate.value	number	值
data.defaults.exit_agency_rate.note	string	备注
data.loan_methods	object	还款方式集合
data.loan_methods.equal_payment	object	等额本息
data.loan_methods.equal_payment.name	string	名称
data.loan_methods.equal_payment.desc	string	描述
data.loan_methods.equal_principal	object	等额本金
data.loan_methods.equal_principal.name	string	名称
data.loan_methods.equal_principal.desc	string	描述
data.formulas	object	计算公式
data.formulas.gross_yield	string	毛租金回报率
data.formulas.net_yield	string	净租金回报率
data.formulas.cap_rate	string	资本化率
data.formulas.cash_on_cash_return	string	现金回报率
data.formulas.noi	string	净营业收入（NOI）
data.formulas.annual_cashflow	string	年现金流
data.formulas.irr	string	内部收益率（IRR）
data.formulas.simple_payback_years	string	静态回收期（年）
data.formulas.payback_years	string	回收期（年）
data.grade_thresholds	object	评级阈值
data.grade_thresholds.A	object	评级 A 的阈值区间
data.grade_thresholds.A.net_yield_gte	number	净租金回报率下限（≥）
data.grade_thresholds.A.irr_gte	number	内部收益率下限（≥）
data.grade_thresholds.A.desc	string	描述
data.grade_thresholds.B	object	评级 B 的阈值区间
data.grade_thresholds.B.net_yield_gte	number	净租金回报率下限（≥）
data.grade_thresholds.B.irr_gte	number	内部收益率下限（≥）
data.grade_thresholds.B.desc	string	描述
data.grade_thresholds.C	object	评级 C 的阈值区间
data.grade_thresholds.C.net_yield_gte	number	净租金回报率下限（≥）
data.grade_thresholds.C.irr_gte	number	内部收益率下限（≥）
data.grade_thresholds.C.desc	string	描述
data.grade_thresholds.D	object	评级 D 的阈值区间
data.grade_thresholds.D.net_yield_gte	number	净租金回报率下限（≥）
data.grade_thresholds.D.irr_gte	integer	内部收益率下限（≥）
data.grade_thresholds.D.desc	string	描述
data.grade_thresholds.E	object	评级 E 的阈值区间
data.grade_thresholds.E.desc	string	描述
data.policy_basis	object	政策依据
data.policy_basis.商业贷款利率	string	「商业贷款利率」的政策依据说明
data.policy_basis.契税	string	「契税」的政策依据说明
data.policy_basis.增值税	string	「增值税」的政策依据说明
data.policy_basis.租金所得税	string	「租金所得税」的政策依据说明
data.batch_limit	integer	批量查询允许的最大条数
data.updated_at	string	更新时间

请求示例

返回示例

{"msg":"success","code":200,"data":{"defaults":{"loan_rate":{"note":"LPR 5年期 3.6% 首套 -0.5%","value":0.031},"loan_years":{"note":"30 年贷款","value":30},"vacancy_rate":{"note":"5% 空置率","value":0.05},"exit_tax_rate":{"note":"退出综合税费 2% (增值税+个税简化)","value":0.02},"holding_years":{"note":"5 年持有期","value":5},"rental_growth":{"note":"租金年增长 2%","value":0.02},"insurance_rate":{"note":"保险费占房价 0.1%","value":0.001},"property_growth":{"note":"房价年增长 3%","value":0.03},"exit_agency_rate":{"note":"退出中介费 2%","value":0.02},"maintenance_rate":{"note":"维修费占年租金 5%","value":0.05},"down_payment_ratio":{"note":"30% 首付","value":0.3},"acquisition_tax_rate":{"note":"购置契税 1% (首套 ≤90㎡)","value":0.01},"rental_income_tax_rate":{"note":"租金所得税按净收入 10%","value":0.1},"acquisition_agency_rate":{"note":"购置中介费 2%","value":0.02}},"formulas":{"irr":"IRR = 使持有期现金流现值归零的折现率 (二分法求解)","noi":"NOI = 有效租金 - 运营支出(物业税+物业费+维修+保险), 未扣贷款与租金所得税","cap_rate":"资本化率 = NOI / 房价 (与净回报率同义)","net_yield":"净租金回报率 = 净营业收入(NOI) / 房价","gross_yield":"毛租金回报率 = 年租金 / 房价","payback_years":"动态回收期 = 累计现金流回正所需年数 (考虑租金增长)","annual_cashflow":"年现金流 = NOI - 租金所得税 - 年还贷","cash_on_cash_return":"现金回报率 = 年现金流 / 投入资金(首付+购置税费)","simple_payback_years":"静态回收期 = 投入资金 / 首年现金流"},"updated_at":"2026-06-30","batch_limit":10,"loan_methods":{"equal_payment":{"desc":"月供固定, 利息总额高","name":"等额本息"},"equal_principal":{"desc":"月供递减, 利息总额低, 前期压力大","name":"等额本金"}},"policy_basis":{"契税":"财税[2016]23号 (首套 ≤90㎡ 1%)","增值税":"财税[2016]36号 营改增","租金所得税":"个人所得税法 财产租赁所得 20% (本接口按 10% 简化)","商业贷款利率":"2024-10 LPR 5年期 3.6%"},"grade_thresholds":{"A":{"desc":"优秀","irr_gte":0.12,"net_yield_gte":0.06},"B":{"desc":"良好","irr_gte":0.08,"net_yield_gte":0.04},"C":{"desc":"一般","irr_gte":0.04,"net_yield_gte":0.02},"D":{"desc":"较差","irr_gte":0,"net_yield_gte":0.01},"E":{"desc":"不建议投资 (上述均不满足)"}}}}

单次分析

房产投资分析

调用方式：在接口地址后拼接 ?key=您的API密钥 即可直接调用；也可改用 Authorization: Bearer 或 X-App-Key 请求头传递，避免密钥出现在访问日志中。

POST http://www.shujuyu.cn/v1/api/rental/calc JSON

请求参数

参数名	类型	必填	说明
key	string	是	您的API密钥，可在个人中心获取
total_price	float	是	房屋总价（单位为元，不可小于 1000）
monthly_rent	float	是	月租金（单位为元）
area	float	否	面积（平方米）
city	string	否	城市（小写）
no_loan	bool	否	是否全款（true 时不计贷款，首付=房价）
down_payment_ratio	float	否	首付比例（0-1）
loan_principal	float	否	直接指定贷款本金（大于 0 时不按比例计算）
loan_years	int	否	贷款年限（0-50）
loan_rate	float	否	贷款年利率（0-0.20，兼容 3.1 / 0.031 / 3.1%）
loan_method	string	否	还款方式：equal_payment 等额本息 / equal_principal 等额本金
property_tax_rate	float	否	房产税率（0-0.05）
management_fee_monthly	float	否	物业费（元/月）
maintenance_rate	float	否	维修费率（占年租金，0-0.30）
vacancy_rate	float	否	空置率（0-0.50）
insurance_rate	float	否	保险费率（占房价，0-0.05）
rental_income_tax_rate	float	否	租金所得税率（占 NOI，0-0.50）
rental_growth	float	否	租金年增长率（-0.10~0.30）
property_growth	float	否	房价年增长率（-0.20~0.30）
holding_years	int	否	持有年限（1-50）
exit_tax_rate	float	否	退出综合税费率（占售价，0-0.30）
exit_agency_rate	float	否	退出中介费率（占售价，0-0.10）
acquisition_tax_rate	float	否	购置契税率（占房价，0-0.10）
acquisition_agency_rate	float	否	购置中介费率（占房价，0-0.10）

返回参数说明

参数名	类型	说明
code	integer	状态码，200 表示成功
msg	string	返回消息
data	object	业务数据
data.input	object	输入参数
data.input.total_price	integer	房屋总价
data.input.monthly_rent	integer	月租金
data.input.area	integer	计算输入的建筑面积（平方米）
data.input.city	string	城市
data.input.no_loan	boolean	是否不申请贷款
data.input.down_payment_ratio	number	首付比例
data.input.loan_principal	integer	贷款本金
data.input.loan_years	integer	贷款年限
data.input.loan_rate	number	贷款利率
data.input.loan_method	string	还款方式
data.input.property_tax_rate	integer	物业税率
data.input.management_fee_monthly	integer	每月物业费
data.input.maintenance_rate	number	维护费率
data.input.vacancy_rate	number	空置率
data.input.insurance_rate	number	保险费率
data.input.rental_income_tax_rate	number	租金所得税率
data.input.rental_growth	number	租金增长率
data.input.property_growth	number	房价增长率
data.input.holding_years	integer	持有年限
data.input.exit_tax_rate	number	退出税率
data.input.exit_agency_rate	number	退出中介费率
data.input.acquisition_tax_rate	number	契税率
data.input.acquisition_agency_rate	number	中介费率
data.indicators	object	核心指标
data.indicators.gross_yield	number	毛租金回报率
data.indicators.net_yield	number	净租金回报率
data.indicators.cap_rate	number	资本化率
data.indicators.cash_on_cash_return	number	现金回报率
data.indicators.gross_yield_pct	string	毛租金回报率（百分比）
data.indicators.net_yield_pct	string	净租金回报率（百分比）
data.indicators.cap_rate_pct	string	资本化率（百分比）
data.indicators.cash_on_cash_return_pct	string	现金回报率（百分比）
data.annual_cashflow	object	年现金流
data.annual_cashflow.year	integer	年份
data.annual_cashflow.monthly_rent	integer	月租金
data.annual_cashflow.gross_rent_yearly	integer	年租金收入
data.annual_cashflow.vacancy_loss	integer	空置损失
data.annual_cashflow.effective_rent_yearly	integer	有效年租金
data.annual_cashflow.operating_expenses	object	运营支出
data.annual_cashflow.operating_expenses.property_tax	integer	物业税
data.annual_cashflow.operating_expenses.management_fee	integer	物业费
data.annual_cashflow.operating_expenses.maintenance	integer	维护费
data.annual_cashflow.operating_expenses.insurance	integer	保险信息
data.annual_cashflow.operating_expenses.rental_income_tax	integer	租金所得税
data.annual_cashflow.operating_expenses.total	integer	总数
data.annual_cashflow.noi	integer	净营业收入（NOI）
data.annual_cashflow.noi_after_tax	integer	税后净营业收入
data.annual_cashflow.annual_debt_service	number	年还贷额
data.annual_cashflow.annual_cashflow	number	年现金流
data.investment	object	投资信息
data.investment.house_price	integer	房价
data.investment.down_payment	integer	首付款
data.investment.loan_principal	integer	贷款本金
data.investment.acquisition_tax	integer	契税支出
data.investment.acquisition_agency	integer	中介费支出
data.investment.total_invested	integer	总投入资金
data.loan	object	贷款信息
data.loan.has_loan	boolean	是否有贷款
data.loan.principal	integer	本金
data.loan.rate	number	税率/费率（小数）
data.loan.monthly_rate	number	月利率
data.loan.years	integer	年限（年）
data.loan.months	integer	期数（月）
data.loan.method	string	还款方式
data.loan.monthly_payment	number	月供
data.loan.first_month_payment	number	首月还款额
data.loan.last_month_payment	number	末月还款额
data.loan.monthly_decrease	integer	每月递减金额
data.loan.total_interest	number	总利息
data.loan.total_payment	number	总还款额
data.payback	object	回收期
data.payback.payback_years	string	回收期（年）
data.payback.simple_payback_years	string	静态回收期（年）
data.payback.note	string	备注
data.holding	object	持有期分析
data.holding.years	integer	年限（年）
data.holding.annual_breakdown	array	年度明细
data.holding.annual_breakdown[]	object	年度明细
data.holding.annual_breakdown[].year	integer	年份
data.holding.annual_breakdown[].monthly_rent	integer	月租金
data.holding.annual_breakdown[].gross_rent_yearly	integer	年租金收入
data.holding.annual_breakdown[].vacancy_loss	integer	空置损失
data.holding.annual_breakdown[].effective_rent_yearly	integer	有效年租金
data.holding.annual_breakdown[].operating_expenses	object	运营支出
data.holding.annual_breakdown[].operating_expenses.property_tax	integer	物业税
data.holding.annual_breakdown[].operating_expenses.management_fee	integer	物业费
data.holding.annual_breakdown[].operating_expenses.maintenance	integer	维护费
data.holding.annual_breakdown[].operating_expenses.insurance	integer	保险信息
data.holding.annual_breakdown[].operating_expenses.rental_income_tax	integer	租金所得税
data.holding.annual_breakdown[].operating_expenses.total	integer	总数
data.holding.annual_breakdown[].noi	integer	净营业收入（NOI）
data.holding.annual_breakdown[].noi_after_tax	integer	税后净营业收入
data.holding.annual_breakdown[].annual_debt_service	number	年还贷额
data.holding.annual_breakdown[].annual_cashflow	number	年现金流
data.holding.annual_breakdown[].cumulative_cashflow	number	累计现金流
data.holding.annual_breakdown[].property_value	integer	房产价值
data.holding.annual_breakdown[].loan_balance	number	贷款余额
data.holding.annual_breakdown[].equity	number	权益价值
data.holding.exit_value	number	退出时房产价值
data.holding.exit_tax	number	退出税费
data.holding.exit_agency	number	退出中介费
data.holding.exit_loan_payoff	number	退出时偿还贷款
data.holding.exit_net_proceeds	integer	退出净收益
data.holding.total_cashflow	number	现金流合计
data.holding.total_return	number	总收益
data.holding.roi	number	投资回报率
data.holding.roi_pct	string	投资回报率（百分比）
data.holding.annualized_roi	number	年化投资回报率
data.holding.annualized_roi_pct	string	年化投资回报率（百分比）
data.holding.irr	number	内部收益率（IRR）
data.holding.irr_pct	string	内部收益率（百分比）
data.holding.cashflows	array	现金流序列
data.holding.cashflows[]	integer	现金流序列
data.grade	string	评级
data.advice	string	建议

请求示例

返回示例

{"msg":"success","code":200,"data":{"loan":{"rate":0.031,"years":30,"method":"equal_payment","months":360,"has_loan":true,"principal":2100000,"monthly_rate":0.0025833333333333333,"total_payment":3228243.98,"total_interest":1128243.98,"monthly_payment":8967.34,"monthly_decrease":0,"last_month_payment":8967.34,"first_month_payment":8967.34},"grade":"C","input":{"area":0,"city":"default","no_loan":false,"loan_rate":0.031,"loan_years":30,"loan_method":"equal_payment","total_price":3000000,"monthly_rent":8000,"vacancy_rate":0.05,"exit_tax_rate":0.02,"holding_years":5,"rental_growth":0.02,"insurance_rate":0.001,"loan_principal":2100000,"property_growth":0.03,"exit_agency_rate":0.02,"maintenance_rate":0.05,"property_tax_rate":0,"down_payment_ratio":0.3,"acquisition_tax_rate":0.01,"management_fee_monthly":0,"rental_income_tax_rate":0.1,"acquisition_agency_rate":0.02},"advice":"一般投资标的: 净租金回报率 2.78%, IRR 5.65%. 收益接近银行理财, 主要依赖房价增值, 现金流偏弱. 建议优化贷款结构或提升租金.","holding":{"irr":0.056462,"roi":0.33476,"years":5,"irr_pct":"5.65%","roi_pct":"33.48%","exit_tax":69556.44,"cashflows":[-990000,-32548.08,-30992.88],"exit_value":3477822.22,"exit_agency":69556.44,"total_return":331412.75,"annualized_roi":0.05945,"total_cashflow":-146874.25,"annual_breakdown":[{"noi":83400,"year":1,"equity":1033117.33,"loan_balance":2056882.67,"monthly_rent":8000,"vacancy_loss":4800,"noi_after_tax":75060,"property_value":3090000,"annual_cashflow":-32548.08,"gross_rent_yearly":96000,"operating_expenses":{"total":16140,"insurance":3000,"maintenance":4800,"property_tax":0,"management_fee":0,"rental_income_tax":8340},"annual_debt_service":107608.08,"cumulative_cashflow":-32548.08,"effective_rent_yearly":91200},{"noi":85128,"year":2,"equity":1170290.46,"loan_balance":2012409.54,"monthly_rent":8160,"vacancy_loss":4896,"noi_after_tax":76615.2,"property_value":3182700,"annual_cashflow":-30992.88,"gross_rent_yearly":97920,"operating_expenses":{"total":16408.8,"insurance":3000,"maintenance":4896,"property_tax":0,"management_fee":0,"rental_income_tax":8512.8},"annual_debt_service":107608.08,"cumulative_cashflow":-63540.96,"effective_rent_yearly":93024},{"noi":86890.56,"year":3,"equity":1311643.01,"loan_balance":1966537.99,"monthly_rent":8323.2,"vacancy_loss":4993.92,"noi_after_tax":78201.5,"property_value":3278181,"annual_cashflow":-29406.58,"gross_rent_yearly":99878.4,"operating_expenses":{"total":16682.98,"insurance":3000,"maintenance":4993.92,"property_tax":0,"management_fee":0,"rental_income_tax":8689.06},"annual_debt_service":107608.08,"cumulative_cashflow":-92947.54,"effective_rent_yearly":94884.48}],"exit_loan_payoff":1870422.34,"exit_net_proceeds":1468287,"annualized_roi_pct":"5.95%"},"payback":{"note":"当前年现金流为负, 无法静态回收","payback_years":null,"simple_payback_years":null},"indicators":{"cap_rate":0.0278,"net_yield":0.0278,"gross_yield":0.032,"cap_rate_pct":"2.78%","net_yield_pct":"2.78%","gross_yield_pct":"3.20%","cash_on_cash_return":-0.032877,"cash_on_cash_return_pct":"-3.29%"},"investment":{"house_price":3000000,"down_payment":900000,"loan_principal":2100000,"total_invested":990000,"acquisition_tax":30000,"acquisition_agency":60000},"annual_cashflow":{"noi":83400,"year":1,"monthly_rent":8000,"vacancy_loss":4800,"noi_after_tax":75060,"annual_cashflow":-32548.08,"gross_rent_yearly":96000,"operating_expenses":{"total":16140,"insurance":3000,"maintenance":4800,"property_tax":0,"management_fee":0,"rental_income_tax":8340},"annual_debt_service":107608.08,"effective_rent_yearly":91200}}}

批量分析

批量分析最多 10 条

调用方式：在接口地址后拼接 ?key=您的API密钥 即可直接调用；也可改用 Authorization: Bearer 或 X-App-Key 请求头传递，避免密钥出现在访问日志中。

POST http://www.shujuyu.cn/v1/api/rental/calc-batch JSON

请求参数

参数名	类型	必填	说明
key	string	是	您的API密钥，可在个人中心获取
cases	array	是	分析用例数组，每项结构同 /calc 的请求参数；最多 10 条，超出直接报错（4002）

返回参数说明

参数名	类型	说明
code	integer	状态码，200 表示成功
msg	string	返回消息
data	object	业务数据
data.ok	integer	成功处理的条目数
data.fail	integer	失败数量
data.list	array	数据列表
data.list[]	object	列表中的单条记录
data.list[].ok	boolean	成功处理的条目数
data.list[].grade	string	评级
data.list[].index	integer	序号
data.list[].result	object	计算结果
data.list[].result.loan	object	贷款信息
data.list[].result.loan.rate	number	税率/费率（小数）
data.list[].result.loan.years	integer	年限（年）
data.list[].result.loan.method	string	还款方式
data.list[].result.loan.months	integer	期数（月）
data.list[].result.loan.has_loan	boolean	是否有贷款
data.list[].result.loan.principal	integer	本金
data.list[].result.loan.monthly_rate	number	月利率
data.list[].result.loan.total_payment	number	总还款额
data.list[].result.loan.total_interest	number	总利息
data.list[].result.loan.monthly_payment	number	月供
data.list[].result.loan.monthly_decrease	integer	每月递减金额
data.list[].result.loan.last_month_payment	number	末月还款额
data.list[].result.loan.first_month_payment	number	首月还款额
data.list[].result.grade	string	评级
data.list[].result.input	object	输入参数
data.list[].result.input.area	integer	计算输入的建筑面积（平方米）
data.list[].result.input.city	string	城市
data.list[].result.input.no_loan	boolean	是否不申请贷款
data.list[].result.input.loan_rate	number	贷款利率
data.list[].result.input.loan_years	integer	贷款年限
data.list[].result.input.loan_method	string	还款方式
data.list[].result.input.total_price	integer	房屋总价
data.list[].result.input.monthly_rent	integer	月租金
data.list[].result.input.vacancy_rate	number	空置率
data.list[].result.input.exit_tax_rate	number	退出税率
data.list[].result.input.holding_years	integer	持有年限
data.list[].result.input.rental_growth	number	租金增长率
data.list[].result.input.insurance_rate	number	保险费率
data.list[].result.input.loan_principal	integer	贷款本金
data.list[].result.input.property_growth	number	房价增长率
data.list[].result.input.exit_agency_rate	number	退出中介费率
data.list[].result.input.maintenance_rate	number	维护费率
data.list[].result.input.property_tax_rate	integer	物业税率
data.list[].result.input.down_payment_ratio	number	首付比例
data.list[].result.input.acquisition_tax_rate	number	契税率
data.list[].result.input.management_fee_monthly	integer	每月物业费
data.list[].result.input.rental_income_tax_rate	number	租金所得税率
data.list[].result.input.acquisition_agency_rate	number	中介费率
data.list[].result.advice	string	建议
data.list[].result.holding	object	持有期分析
data.list[].result.holding.irr	number	内部收益率（IRR）
data.list[].result.holding.roi	number	投资回报率
data.list[].result.holding.years	integer	年限（年）
data.list[].result.holding.irr_pct	string	内部收益率（百分比）
data.list[].result.holding.roi_pct	string	投资回报率（百分比）
data.list[].result.holding.exit_tax	number	退出税费
data.list[].result.holding.cashflows	array	现金流序列
data.list[].result.holding.exit_value	number	退出时房产价值
data.list[].result.holding.exit_agency	number	退出中介费
data.list[].result.holding.total_return	number	总收益
data.list[].result.holding.annualized_roi	number	年化投资回报率
data.list[].result.holding.total_cashflow	number	现金流合计
data.list[].result.holding.annual_breakdown	array	年度明细
data.list[].result.holding.annual_breakdown[]	object	年度明细
data.list[].result.holding.annual_breakdown[].noi	integer	净营业收入（NOI）
data.list[].result.holding.annual_breakdown[].year	integer	年份
data.list[].result.holding.annual_breakdown[].equity	number	权益价值
data.list[].result.holding.annual_breakdown[].loan_balance	number	贷款余额
data.list[].result.holding.annual_breakdown[].monthly_rent	integer	月租金
data.list[].result.holding.annual_breakdown[].vacancy_loss	integer	空置损失
data.list[].result.holding.annual_breakdown[].noi_after_tax	integer	税后净营业收入
data.list[].result.holding.annual_breakdown[].property_value	integer	房产价值
data.list[].result.holding.annual_breakdown[].annual_cashflow	number	年现金流
data.list[].result.holding.annual_breakdown[].gross_rent_yearly	integer	年租金收入
data.list[].result.holding.annual_breakdown[].operating_expenses	array	运营支出
data.list[].result.holding.annual_breakdown[].annual_debt_service	number	年还贷额
data.list[].result.holding.annual_breakdown[].cumulative_cashflow	number	累计现金流
data.list[].result.holding.annual_breakdown[].effective_rent_yearly	integer	有效年租金
data.list[].result.holding.exit_loan_payoff	number	退出时偿还贷款
data.list[].result.holding.exit_net_proceeds	integer	退出净收益
data.list[].result.holding.annualized_roi_pct	string	年化投资回报率（百分比）
data.list[].result.payback	object	回收期
data.list[].result.payback.note	string	备注
data.list[].result.payback.payback_years	string	回收期（年）
data.list[].result.payback.simple_payback_years	string	静态回收期（年）
data.list[].result.indicators	object	核心指标
data.list[].result.indicators.cap_rate	number	资本化率
data.list[].result.indicators.net_yield	number	净租金回报率
data.list[].result.indicators.gross_yield	number	毛租金回报率
data.list[].result.indicators.cap_rate_pct	string	资本化率（百分比）
data.list[].result.indicators.net_yield_pct	string	净租金回报率（百分比）
data.list[].result.indicators.gross_yield_pct	string	毛租金回报率（百分比）
data.list[].result.indicators.cash_on_cash_return	number	现金回报率
data.list[].result.indicators.cash_on_cash_return_pct	string	现金回报率（百分比）
data.list[].result.investment	object	投资信息
data.list[].result.investment.house_price	integer	房价
data.list[].result.investment.down_payment	integer	首付款
data.list[].result.investment.loan_principal	integer	贷款本金
data.list[].result.investment.total_invested	integer	总投入资金
data.list[].result.investment.acquisition_tax	integer	契税支出
data.list[].result.investment.acquisition_agency	integer	中介费支出
data.list[].result.annual_cashflow	object	年现金流
data.list[].result.annual_cashflow.noi	integer	净营业收入（NOI）
data.list[].result.annual_cashflow.year	integer	年份
data.list[].result.annual_cashflow.monthly_rent	integer	月租金
data.list[].result.annual_cashflow.vacancy_loss	integer	空置损失
data.list[].result.annual_cashflow.noi_after_tax	integer	税后净营业收入
data.list[].result.annual_cashflow.annual_cashflow	number	年现金流
data.list[].result.annual_cashflow.gross_rent_yearly	integer	年租金收入
data.list[].result.annual_cashflow.operating_expenses	object	运营支出
data.list[].result.annual_cashflow.operating_expenses.total	integer	总数
data.list[].result.annual_cashflow.operating_expenses.insurance	integer	保险信息
data.list[].result.annual_cashflow.operating_expenses.maintenance	integer	维护费
data.list[].result.annual_cashflow.operating_expenses.property_tax	integer	物业税
data.list[].result.annual_cashflow.operating_expenses.management_fee	integer	物业费
data.list[].result.annual_cashflow.operating_expenses.rental_income_tax	integer	租金所得税
data.list[].result.annual_cashflow.annual_debt_service	number	年还贷额
data.list[].result.annual_cashflow.effective_rent_yearly	integer	有效年租金
data.list[].irr_pct	string	内部收益率（百分比）
data.list[].net_yield_pct	string	净租金回报率（百分比）
data.total	integer	总条数
data.returned	integer	本次实际返回条数
data.max_limit	integer	允许返回的最大条数
data.truncated	boolean	保留字段，当前恒为 false（超过 10 条时直接返回 4002 错误，不会截断）
data.best_index	integer	最优方案索引
data.grade_distribution	object	评级分布
data.grade_distribution.C	integer	评级 C 的数量
data.list[].result.holding.cashflows[]	object	逐年现金流记录

请求示例

返回示例

{"msg":"success","code":200,"data":{"ok":2,"fail":0,"list":[{"ok":true,"grade":"C","index":0,"result":{"loan":{"rate":0.031,"years":30,"method":"equal_payment","months":360,"has_loan":true,"principal":2100000,"monthly_rate":0.0025833333333333333,"total_payment":3228243.98,"total_interest":1128243.98,"monthly_payment":8967.34,"monthly_decrease":0,"last_month_payment":8967.34,"first_month_payment":8967.34},"grade":"C","input":{"area":100,"city":"default","no_loan":false,"loan_rate":0.031,"loan_years":30,"loan_method":"equal_payment","total_price":3000000,"monthly_rent":8000,"vacancy_rate":0.05,"exit_tax_rate":0.02,"holding_years":5,"rental_growth":0.02,"insurance_rate":0.001,"loan_principal":2100000,"property_growth":0.03,"exit_agency_rate":0.02,"maintenance_rate":0.05,"property_tax_rate":0,"down_payment_ratio":0.3,"acquisition_tax_rate":0.01,"management_fee_monthly":0,"rental_income_tax_rate":0.1,"acquisition_agency_rate":0.02},"advice":"一般投资标的: 净租金回报率 2.78%, IRR 5.65%. 收益接近银行理财, 主要依赖房价增值, 现金流偏弱. 建议优化贷款结构或提升租金.","holding":{"irr":0.056462,"roi":0.33476,"years":5,"irr_pct":"5.65%","roi_pct":"33.48%","exit_tax":69556.44,"cashflows":[-990000,-32548.08,-30992.88],"exit_value":3477822.22,"exit_agency":69556.44,"total_return":331412.75,"annualized_roi":0.05945,"total_cashflow":-146874.25,"annual_breakdown":[{"noi":83400,"year":1,"equity":1033117.33,"loan_balance":2056882.67,"monthly_rent":8000,"vacancy_loss":4800,"noi_after_tax":75060,"property_value":3090000,"annual_cashflow":-32548.08,"gross_rent_yearly":96000,"operating_expenses":[],"annual_debt_service":107608.08,"cumulative_cashflow":-32548.08,"effective_rent_yearly":91200},{"noi":85128,"year":2,"equity":1170290.46,"loan_balance":2012409.54,"monthly_rent":8160,"vacancy_loss":4896,"noi_after_tax":76615.2,"property_value":3182700,"annual_cashflow":-30992.88,"gross_rent_yearly":97920,"operating_expenses":[],"annual_debt_service":107608.08,"cumulative_cashflow":-63540.96,"effective_rent_yearly":93024},{"noi":86890.56,"year":3,"equity":1311643.01,"loan_balance":1966537.99,"monthly_rent":8323.2,"vacancy_loss":4993.92,"noi_after_tax":78201.5,"property_value":3278181,"annual_cashflow":-29406.58,"gross_rent_yearly":99878.4,"operating_expenses":[],"annual_debt_service":107608.08,"cumulative_cashflow":-92947.54,"effective_rent_yearly":94884.48}],"exit_loan_payoff":1870422.34,"exit_net_proceeds":1468287,"annualized_roi_pct":"5.95%"},"payback":{"note":"当前年现金流为负, 无法静态回收","payback_years":null,"simple_payback_years":null},"indicators":{"cap_rate":0.0278,"net_yield":0.0278,"gross_yield":0.032,"cap_rate_pct":"2.78%","net_yield_pct":"2.78%","gross_yield_pct":"3.20%","cash_on_cash_return":-0.032877,"cash_on_cash_return_pct":"-3.29%"},"investment":{"house_price":3000000,"down_payment":900000,"loan_principal":2100000,"total_invested":990000,"acquisition_tax":30000,"acquisition_agency":60000},"annual_cashflow":{"noi":83400,"year":1,"monthly_rent":8000,"vacancy_loss":4800,"noi_after_tax":75060,"annual_cashflow":-32548.08,"gross_rent_yearly":96000,"operating_expenses":{"total":16140,"insurance":3000,"maintenance":4800,"property_tax":0,"management_fee":0,"rental_income_tax":8340},"annual_debt_service":107608.08,"effective_rent_yearly":91200}},"irr_pct":"5.65%","net_yield_pct":"2.78%"},{"ok":true,"grade":"C","index":1,"result":{"loan":{"rate":0.031,"years":30,"method":"equal_payment","months":360,"has_loan":true,"principal":1050000,"monthly_rate":0.0025833333333333333,"total_payment":1614121.99,"total_interest":564121.99,"monthly_payment":4483.67,"monthly_decrease":0,"last_month_payment":4483.67,"first_month_payment":4483.67},"grade":"C","input":{"area":70,"city":"default","no_loan":false,"loan_rate":0.031,"loan_years":30,"loan_method":"equal_payment","total_price":1500000,"monthly_rent":4000,"vacancy_rate":0.05,"exit_tax_rate":0.02,"holding_years":5,"rental_growth":0.02,"insurance_rate":0.001,"loan_principal":1050000,"property_growth":0.03,"exit_agency_rate":0.02,"maintenance_rate":0.05,"property_tax_rate":0,"down_payment_ratio":0.3,"acquisition_tax_rate":0.01,"management_fee_monthly":0,"rental_income_tax_rate":0.1,"acquisition_agency_rate":0.02},"advice":"一般投资标的: 净租金回报率 2.78%, IRR 5.65%. 收益接近银行理财, 主要依赖房价增值, 现金流偏弱. 建议优化贷款结构或提升租金.","holding":{"irr":0.056462,"roi":0.33476,"years":5,"irr_pct":"5.65%","roi_pct":"33.48%","exit_tax":34778.22,"cashflows":[-495000,-16274.04,-15496.44],"exit_value":1738911.11,"exit_agency":34778.22,"total_return":165706.38,"annualized_roi":0.05945,"total_cashflow":-73437.12,"annual_breakdown":[{"noi":41700,"year":1,"equity":516558.67,"loan_balance":1028441.33,"monthly_rent":4000,"vacancy_loss":2400,"noi_after_tax":37530,"property_value":1545000,"annual_cashflow":-16274.04,"gross_rent_yearly":48000,"operating_expenses":[],"annual_debt_service":53804.04,"cumulative_cashflow":-16274.04,"effective_rent_yearly":45600},{"noi":42564,"year":2,"equity":585145.23,"loan_balance":1006204.77,"monthly_rent":4080,"vacancy_loss":2448,"noi_after_tax":38307.6,"property_value":1591350,"annual_cashflow":-15496.44,"gross_rent_yearly":48960,"operating_expenses":[],"annual_debt_service":53804.04,"cumulative_cashflow":-31770.48,"effective_rent_yearly":46512},{"noi":43445.28,"year":3,"equity":655821.51,"loan_balance":983268.99,"monthly_rent":4161.6,"vacancy_loss":2496.96,"noi_after_tax":39100.75,"property_value":1639090.5,"annual_cashflow":-14703.29,"gross_rent_yearly":49939.2,"operating_expenses":[],"annual_debt_service":53804.04,"cumulative_cashflow":-46473.77,"effective_rent_yearly":47442.24}],"exit_loan_payoff":935211.17,"exit_net_proceeds":734143.5,"annualized_roi_pct":"5.95%"},"payback":{"note":"当前年现金流为负, 无法静态回收","payback_years":null,"simple_payback_years":null},"indicators":{"cap_rate":0.0278,"net_yield":0.0278,"gross_yield":0.032,"cap_rate_pct":"2.78%","net_yield_pct":"2.78%","gross_yield_pct":"3.20%","cash_on_cash_return":-0.032877,"cash_on_cash_return_pct":"-3.29%"},"investment":{"house_price":1500000,"down_payment":450000,"loan_principal":1050000,"total_invested":495000,"acquisition_tax":15000,"acquisition_agency":30000},"annual_cashflow":{"noi":41700,"year":1,"monthly_rent":4000,"vacancy_loss":2400,"noi_after_tax":37530,"annual_cashflow":-16274.04,"gross_rent_yearly":48000,"operating_expenses":{"total":8070,"insurance":1500,"maintenance":2400,"property_tax":0,"management_fee":0,"rental_income_tax":4170},"annual_debt_service":53804.04,"effective_rent_yearly":45600}},"irr_pct":"5.65%","net_yield_pct":"2.78%"}],"total":2,"returned":2,"max_limit":10,"truncated":false,"best_index":0,"grade_distribution":{"C":2}}}

产品说明

产品概述

房产投资收益分析，计算回报率、IRR、回收期与投资评级。

使用场景

数据查询：快速集成房屋租赁投资分析到您的应用中

业务系统：将房屋租赁投资分析数据嵌入业务流程

开发工具：通过 API 接口获取生活服务数据

数据分析：基于房屋租赁投资分析数据进行分析和决策

费用计算

按次计费单价

¥0.002 / 次

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扣费优先级

免费额度

次数包

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1 免费额度

· 接口每日免费额度已关闭
· VIP 用户月度免费额度：
· 个人版：每月 5000 次，本接口月上限 5000 次
· 专业版：每月 30000 次，本接口月上限 30000 次
· 企业版：每月 200000 次，本接口月上限 200000 次
· 账户如有注册/活动赠送的免费次数，会优先于接口免费额度扣减
· VIP 月度免费额度仅适用于单次售价不高于 ¥0.0800/次的接口；接口每日免费额度按接口配置执行
VIP 月度免费额度每月重置，未使用部分不累计至下月。

2 次数包

预付费购买固定调用次数，最高可省 20%（相对按次付费），用完为止。
次数包为独立计费，不与 VIP 折扣叠加。
请在有效期内使用，过期后未使用的次数不可再用。

3 余额扣费

按次从账户余额扣除费用；所有用户可享量折扣，VIP 用户额外享 VIP 折扣。
扣费公式：实际扣费 = 接口单价 × (1 - VIP 折扣比例 - 量折扣比例)，并受总折扣上限和最低利润率保护约束
VIP 折扣：个人版9折专业版8折企业版7折
量折扣：月付费调用 ≥1000 次享 2%、月付费调用 ≥10000 次享 5%、月付费调用 ≥20000 次享 10%
· 量折扣按账号当月全部接口的付费调用次数统计，达到更高档位时按更高档位计算
总折扣上限：VIP 折扣 + 量折扣合计不超过 50%
最低利润率保护：折后价不得低于成本价 × (1 + 15%)；若接口售价本身低于该保护价，则取消折扣并按售价计费
余额不足时调用将失败，请及时充值。

次数包方案

方案名称	调用次数	价格	折算单价	比按次付费节省	有效期
100次调用包	100 次	¥0.2	¥0.0020/次	-	365 天
500次调用包	500 次	¥0.95	¥0.0019/次	省5%	365 天
1000次调用包	1000 次	¥1.8	¥0.0018/次	省10%	365 天
5000次调用包	5000 次	¥8.5	¥0.0017/次	省15%	365 天
10000次调用包	10000 次	¥16	¥0.0016/次	省20%	365 天

VIP 权益对比

等级	每月免费次数	本接口月免费上限	折扣	VIP 折后单价
免费版	按接口配置	—	-	¥0.002/次
个人版	5000 次	5000 次	10%	¥0.0018/次
专业版	30000 次	30000 次	20%	¥0.0016/次
企业版推荐	200000 次	200000 次	30%	¥0.0014/次

* VIP 月度免费额度每月重置。每月免费次数为账号级 VIP 月额度，本接口月免费上限为其中对本接口的限制（接口可单独设置上限或关闭）。VIP 折扣仅适用于余额扣费方式，VIP 折后单价不含量折扣。本接口已关闭接口级月度免费额度（不影响 VIP 月度免费额度）。接口每日免费额度已关闭。

费用计算示例

* 以下示例未包含量折扣，量折扣按账号当月全部接口的付费调用量另行计算。

示例1：普通用户按次付费

调用 1000 次，费用 = 0.002 × 1000 = ¥2.00

示例2：个人版用户按次付费（仅 VIP 折扣，已考虑最低利润率保护）

调用 1000 次，折扣约 10%，费用 = 0.002 × (1 - 10%) × 1000 ≈ ¥1.80

示例3：购买「500次调用包」次数包

支付 ¥0.95，获得 500 次调用，折算单价 ¥0.0019/次

同等次数按次付费需 ¥1.00，次数包可节省 ¥0.05

错误码说明

错误码	说明	解决方案
200	请求成功	-
400000	请求参数错误	检查参数名、格式与取值
401000	认证失败	检查 Authorization: Bearer 密钥是否正确、是否过期
402000	账户余额不足	充值后重试
403000	无访问权限	确认密钥权限、接口范围与 IP 白名单是否满足要求
404001	接口或端点不存在	检查 API 与端点的请求路径
409000	请求冲突	请稍后重试
422000	参数校验失败	检查参数格式与取值
429000	请求频率或额度超限	降低调用频率，或升级套餐提升额度
500000	服务器内部错误	携带响应中的 request_id 联系技术支持
502000	服务暂时不可用	稍后重试
503000	服务暂时不可用	稍后重试
504000	请求超时	稍后重试

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