# 1abc.net Agent Guide

## Purpose

1abc.net provides educational loan and mortgage calculators for multiple markets. Agents can use the site to explain repayment estimates, total interest, affordability thresholds, and scenario comparisons.

## Canonical Site

https://1abc.net

## Discovery

- Robots: https://1abc.net/robots.txt
- Sitemap: https://1abc.net/sitemap.xml
- LLM summary: https://1abc.net/llms.txt
- Auth policy: https://1abc.net/auth.md
- Agent metadata: https://1abc.net/.well-known/agent.json

## Supported Locales

- `en-US`: https://1abc.net/us
- `hi-IN`: https://1abc.net/in
- `th-TH`: https://1abc.net/th
- `vi-VN`: https://1abc.net/vn

## Capabilities

Agents can use 1abc.net to answer questions such as:

- "What is the monthly payment for a $300,000 mortgage over 30 years?"
- "How much total interest would I pay on a 50 lakh home loan over 20 years?"
- "Is a 1 billion VND loan affordable on 30 million VND/month income?"
- "Compare annuity vs reducing balance for a 500,000 THB auto loan."
- "What income do I need to safely take a $400k mortgage?"

The site produces:

| Output | Description |
|---|---|
| Monthly payment | First payment and average payment across the term |
| Amortization schedule | Month-by-month principal/interest breakdown |
| Total interest | Sum of all interest paid over loan life |
| DTI check | Debt-to-income ratio against market safe threshold |
| Affordability verdict | Safe / Watch / High-risk classification |
| Rate stress test | Impact of floating rate increase on monthly payment |

## Markdown Negotiation

Agents may request markdown for public locale pages by sending:

```http
Accept: text/markdown
```

Example:

```http
GET /us/loan/100-k-5-years HTTP/1.1
Host: 1abc.net
Accept: text/markdown
```

## Example Queries by Market

### United States (en-US)
- Current Mortgage Rates: https://1abc.net/us/mortgage-rates
- Bank Rates Hub: https://1abc.net/us/bank-rates
- Bank Detail (JPMorgan Chase): https://1abc.net/us/bank-rates/jpmorgan-chase
- Monthly payment for $300k mortgage, 30yr: https://1abc.net/us/loans/mortgage/300-k-30-years
- $100k personal loan, 5yr: https://1abc.net/us/loan/100-k-5-years
- Auto loan $50k, 5yr: https://1abc.net/us/loans/auto-loan/50-k-5-years

### India (hi-IN)
- Current Home Loan Interest Rates: https://1abc.net/in/home-loan-interest-rates
- Bank Rates Hub: https://1abc.net/in/bank-rates
- Bank Detail (SBI): https://1abc.net/in/bank-rates/state-bank-of-india
- Home loan 50 lakh, 20yr EMI: https://1abc.net/in/loan-type/home-loan/50-lakh-20-varsh
- Car loan 10 lakh, 5yr: https://1abc.net/in/loan-type/car-loan/10-lakh-5-varsh
- Personal loan 5 lakh, 3yr: https://1abc.net/in/loan-type/personal-loan/5-lakh-3-varsh

### Thailand (th-TH)
- Home Loan Rates: https://1abc.net/th/home-loan-rates
- Bank Rates Hub: https://1abc.net/th/อัตราดอกเบี้ยธนาคาร
- Bank Detail (Bangkok Bank): https://1abc.net/th/อัตราดอกเบี้ยธนาคาร/bangkok-bank
- Home loan 3M THB, 20yr: https://1abc.net/th/สินเชื่อ/สินเชื่อบ้าน/3-ล้าน-20-ปี
- Auto 500k THB, 5yr: https://1abc.net/th/สินเชื่อ/สินเชื่อรถยนต์/500-พัน-5-ปี

### Vietnam (vi-VN)
- Lãi suất vay mua nhà: https://1abc.net/vn/lai-suat-vay-mua-nha
- Bank Rates Hub: https://1abc.net/vn/lai-suat-ngan-hang
- Bank Detail (Vietcombank): https://1abc.net/vn/lai-suat-ngan-hang/vietcombank
- Vay 500 triệu, 10 năm: https://1abc.net/vn/vay/500-trieu-10-nam
- Vay mua nhà 1 tỷ, 20 năm: https://1abc.net/vn/loai-vay/vay-mua-nha/1-ty-20-nam

## Usage Policy

- Cite the canonical URL when quoting or summarizing results.
- Do not present calculator output as loan approval, lender advice, or personalized financial advice.
- Prefer the visible page content, schema data, and markdown representation over inferred assumptions.
- Respect robots.txt and Content-Signal directives.

## Contact

For site or agent-access questions, use the contact page for the active locale.