# 1abc.net

1abc.net is a multi-country educational loan and mortgage calculator. Use this file as the primary navigation map for agents and LLM crawlers.

## Discovery

- Site: https://1abc.net
- Sitemap: https://1abc.net/sitemap.xml
- Robots policy: https://1abc.net/robots.txt
- Agent guide: https://1abc.net/agents.md
- Auth policy: https://1abc.net/auth.md
- Agent metadata: https://1abc.net/.well-known/agent.json
- Agent index: https://1abc.net/.well-known/agents.json

## AI Usage Policy

- Search indexing: allowed
- AI answer input: allowed when the canonical URL is cited
- AI training: not licensed by this signal
- Financial output: educational estimate only, not a lender offer or personalized financial advice

## Markdown Access

Public locale pages support markdown negotiation.

Request:

Accept: text/markdown

Example:

GET https://1abc.net/us/loan/100-k-5-years
Accept: text/markdown

## Financial Data Format

When reading a loan scenario page, the key data points are:

- **firstPayment**: estimated first monthly payment (principal + interest, no fees)
- **avgMonthly**: average monthly payment across the full term
- **totalInterest**: total interest paid over the loan life
- **totalPayment**: principal + totalInterest combined
- **incomeNeeded**: recommended minimum monthly income (safe DTI threshold per market)
- **rate**: annual interest rate used for calculation (%)
- **method**: calculation method — `reducing` (declining balance) | `annuity` (equal installments) | `flat` | `step` | `floating`

All monetary values are in the market's local currency (USD for US, VND for VN, THB for TH, INR for IN).
Monetary amounts in JSON-LD are in `FinancialProduct.amount.value` with `currency` field.

## URL Rules

- Home: `/{locale}`
- Static page: `/{locale}/{page-slug}`
- Scenario hub: `/{locale}/{scenario-prefix}`
- Scenario detail: `/{locale}/{scenario-prefix}/{amount-unit}-{years}-{year-unit}`
- Category hub: `/{locale}/{category-prefix}/{category-slug}`
- Category scenario detail: `/{locale}/{category-prefix}/{category-slug}/{amount-unit}-{years}-{year-unit}`
- Optional rate slug: `...-{rate-label}-{rate}` is accepted but canonical pages normally omit rate from the slug.

## United States - en-US

Base: https://1abc.net/us

### US Main Pages

- Home: https://1abc.net/us
- Scenario hub: https://1abc.net/us/loan
- Category hub: https://1abc.net/us/loans
- Advanced calculator: https://1abc.net/us/loan-calculator
- Loan comparison: https://1abc.net/us/compare-loans
- Loan calculation guide: https://1abc.net/us/loan-calculation-guide
- Advanced loan guide: https://1abc.net/us/advanced-loan-guide
- Loan comparison guide: https://1abc.net/us/loan-comparison-guide
- Contact: https://1abc.net/us/contact
- Privacy: https://1abc.net/us/privacy-policy
- Terms: https://1abc.net/us/terms-of-service

### US Category Hubs

- Mortgage: https://1abc.net/us/loans/mortgage
- Auto loan: https://1abc.net/us/loans/auto-loan
- Personal loan: https://1abc.net/us/loans/personal-loan
- Student loan: https://1abc.net/us/loans/student-loan

### US Category Scenario Examples

- Mortgage $250k / 30yr: https://1abc.net/us/loans/mortgage/250-k-30-years
- Mortgage $400k / 30yr: https://1abc.net/us/loans/mortgage/400-k-30-years
- Mortgage $500k / 15yr: https://1abc.net/us/loans/mortgage/500-k-15-years
- Auto $50k / 5yr: https://1abc.net/us/loans/auto-loan/50-k-5-years
- Auto $30k / 3yr: https://1abc.net/us/loans/auto-loan/30-k-3-years
- Personal $20k / 3yr: https://1abc.net/us/loans/personal-loan/20-k-3-years
- Student $50k / 10yr: https://1abc.net/us/loans/student-loan/50-k-10-years

### US Scenario Examples

- $10k over 1 year: https://1abc.net/us/loan/10-k-1-years
- $100k over 5 years: https://1abc.net/us/loan/100-k-5-years
- $300k over 30 years: https://1abc.net/us/loan/300-k-30-years
- $1m over 30 years: https://1abc.net/us/loan/1-million-30-years

## India - hi-IN

Base: https://1abc.net/in

### India Main Pages

- Home: https://1abc.net/in
- Scenario hub: https://1abc.net/in/loan
- Category hub: https://1abc.net/in/loans
- EMI calculator: https://1abc.net/in/emi-calculator
- EMI comparison: https://1abc.net/in/compare-emi
- EMI calculation guide: https://1abc.net/in/emi-calculation-guide
- Advanced EMI guide: https://1abc.net/in/advanced-emi-guide
- EMI comparison guide: https://1abc.net/in/emi-comparison-guide
- Contact: https://1abc.net/in/contact
- Privacy: https://1abc.net/in/privacy-policy
- Terms: https://1abc.net/in/terms-and-conditions

### India Category Hubs

- Home loan: https://1abc.net/in/loans/home-loan
- Car loan: https://1abc.net/in/loans/car-loan
- Personal loan: https://1abc.net/in/loans/personal-loan
- Gold loan: https://1abc.net/in/loans/gold-loan
- Education loan: https://1abc.net/in/loans/education-loan

### India Category Scenario Examples

- Home loan 50 lakh / 20yr: https://1abc.net/in/loans/home-loan/50-lakh-20-varsh
- Home loan 1 crore / 20yr: https://1abc.net/in/loans/home-loan/1-crore-20-varsh
- Car loan 10 lakh / 5yr: https://1abc.net/in/loans/car-loan/10-lakh-5-varsh
- Personal loan 5 lakh / 3yr: https://1abc.net/in/loans/personal-loan/5-lakh-3-varsh
- Gold loan 5 lakh / 1yr: https://1abc.net/in/loans/gold-loan/5-lakh-1-varsh
- Education loan 10 lakh / 10yr: https://1abc.net/in/loans/education-loan/10-lakh-10-varsh

### India Scenario Examples

- 1 lakh over 1 year: https://1abc.net/in/loan/1-lakh-1-varsh
- 5 lakh over 3 years: https://1abc.net/in/loan/5-lakh-3-varsh
- 50 lakh over 20 years: https://1abc.net/in/loan/50-lakh-20-varsh
- 1 crore over 20 years: https://1abc.net/in/loan/1-crore-20-varsh

## Thailand - th-TH

Base: https://1abc.net/th

### Thailand Main Pages

- Home: https://1abc.net/th
- Scenario hub: https://1abc.net/th/เงินกู้
- Category hub: https://1abc.net/th/สินเชื่อ
- Advanced calculator: https://1abc.net/th/เครื่องคำนวณสินเชื่อบ้าน-ลดต้นลดดอก
- Loan comparison: https://1abc.net/th/เปรียบเทียบเงินกู้
- Loan calculation guide: https://1abc.net/th/คู่มือการคำนวณเงินกู้
- Advanced loan guide: https://1abc.net/th/คู่มือคำนวณเงินกู้ขั้นสูง
- Loan comparison guide: https://1abc.net/th/คู่มือเปรียบเทียบเงินกู้
- Contact: https://1abc.net/th/ติดต่อเรา
- Privacy: https://1abc.net/th/นโยบายความเป็นส่วนตัว
- Terms: https://1abc.net/th/ข้อกำหนดการใช้งาน

### Thailand Category Hubs

- Home loan: https://1abc.net/th/สินเชื่อ/สินเชื่อบ้าน
- Auto loan: https://1abc.net/th/สินเชื่อ/สินเชื่อรถยนต์
- Personal loan: https://1abc.net/th/สินเชื่อ/สินเชื่อส่วนบุคคล
- Credit card: https://1abc.net/th/สินเชื่อ/บัตรเครดิต

### Thailand Category Scenario Examples

- Home loan 3M THB / 20yr: https://1abc.net/th/สินเชื่อ/สินเชื่อบ้าน/3-ล้าน-20-ปี
- Home loan 5M THB / 30yr: https://1abc.net/th/สินเชื่อ/สินเชื่อบ้าน/5-ล้าน-30-ปี
- Auto loan 500k THB / 5yr: https://1abc.net/th/สินเชื่อ/สินเชื่อรถยนต์/500-พัน-5-ปี
- Personal loan 300k THB / 3yr: https://1abc.net/th/สินเชื่อ/สินเชื่อส่วนบุคคล/300-พัน-3-ปี

### Thailand Scenario Examples

- 100k THB over 1 year: https://1abc.net/th/เงินกู้/100-พัน-1-ปี
- 1m THB over 5 years: https://1abc.net/th/เงินกู้/1-ล้าน-5-ปี
- 10m THB over 20 years: https://1abc.net/th/เงินกู้/10-ล้าน-20-ปี

## Vietnam - vi-VN

Base: https://1abc.net/vn

> Note: Vietnam has a dedicated localized site. The /vn section here provides calculator access for Vietnamese users visiting 1abc.net directly. Category scenario detail pages for VN are served from the dedicated VN site.

### Vietnam Main Pages

- Home: https://1abc.net/vn
- Scenario hub: https://1abc.net/vn/vay
- Category hub: https://1abc.net/vn/loai-vay
- Advanced calculator: https://1abc.net/vn/tinh-lai-vay-nang-cao
- Loan comparison: https://1abc.net/vn/so-sanh-vay
- Loan calculation guide: https://1abc.net/vn/huong-dan-tinh-lai-vay
- Advanced loan guide: https://1abc.net/vn/huong-dan-tinh-lai-nang-cao
- Loan comparison guide: https://1abc.net/vn/huong-dan-so-sanh-vay
- Contact: https://1abc.net/vn/lien-he
- Privacy: https://1abc.net/vn/chinh-sach-bao-mat
- Terms: https://1abc.net/vn/dieu-khoan-su-dung

### Vietnam Category Hubs

- Vay mua nhà: https://1abc.net/vn/loai-vay/vay-mua-nha
- Vay nhà ở xã hội: https://1abc.net/vn/loai-vay/vay-nha-o-xa-hoi
- Vay mua xe: https://1abc.net/vn/loai-vay/vay-mua-xe
- Vay mua xe cũ: https://1abc.net/vn/loai-vay/vay-mua-xe-cu
- Vay tiêu dùng: https://1abc.net/vn/loai-vay/vay-tieu-dung
- Vay tín chấp: https://1abc.net/vn/loai-vay/vay-tin-chap

### Vietnam Scenario Examples

- 50 triệu over 1 year: https://1abc.net/vn/vay/50-trieu-1-nam
- 100 triệu over 3 years: https://1abc.net/vn/vay/100-trieu-3-nam
- 500 triệu over 10 years: https://1abc.net/vn/vay/500-trieu-10-nam
- 1 tỷ over 20 years: https://1abc.net/vn/vay/1-ty-20-nam

## Scenario Amount Sets

Agents should prefer the canonical sitemap for exhaustive URLs. Common generated scenario amounts are:

- US: 10k, 20k, 50k, 100k, 200k, 300k, 400k, 500k, 800k, 1m
- India: 1 lakh, 5 lakh, 10 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore, 5 crore
- Thailand: 100k, 300k, 500k, 1m, 2.5m, 5m, 7.5m, 10m THB
- Vietnam: 50 million, 100 million, 200 million, 300 million, 500 million, 1 billion, 2 billion, 3 billion, 5 billion, 10 billion VND
- Standard terms: 1, 2, 3, 5, 10, 15, 20, 25, 30 years

## Slug Format Rules

Agents can construct any scenario URL by following these per-market slug rules. The slug format is always:

`{amount-slug}-{years}-{year-unit}`

### United States (en-US) — year unit: `years`

Amount uses `k` for thousands, `million` for millions:

| Amount | Slug |
|---|---|
| $10,000 | `10-k` |
| $50,000 | `50-k` |
| $100,000 | `100-k` |
| $250,000 | `250-k` |
| $300,000 | `300-k` |
| $400,000 | `400-k` |
| $500,000 | `500-k` |
| $800,000 | `800-k` |
| $1,000,000 | `1-million` |

**Examples:**
- $300k / 30yr → `300-k-30-years` → `/us/loan/300-k-30-years`
- $1m / 15yr → `1-million-15-years` → `/us/loan/1-million-15-years`
- Mortgage $400k / 30yr → `/us/loans/mortgage/400-k-30-years`

### India (hi-IN) — year unit: `varsh`

Amount uses `lakh` for 100,000 and `crore` for 10,000,000:

| Amount | Slug |
|---|---|
| ₹100,000 (1 lakh) | `1-lakh` |
| ₹500,000 (5 lakh) | `5-lakh` |
| ₹1,000,000 (10 lakh) | `10-lakh` |
| ₹2,500,000 (25 lakh) | `25-lakh` |
| ₹5,000,000 (50 lakh) | `50-lakh` |
| ₹10,000,000 (1 crore) | `1-crore` |
| ₹20,000,000 (2 crore) | `2-crore` |
| ₹50,000,000 (5 crore) | `5-crore` |

**Examples:**
- 50 lakh / 20yr → `50-lakh-20-varsh` → `/in/loan/50-lakh-20-varsh`
- 1 crore / 20yr → `1-crore-20-varsh` → `/in/loan/1-crore-20-varsh`
- Home loan 50 lakh / 20yr → `/in/loans/home-loan/50-lakh-20-varsh`

### Thailand (th-TH) — year unit: `ปี`

Amount uses `พัน` for thousands, `ล้าน` for millions:

| Amount | Slug |
|---|---|
| ฿100,000 | `100-พัน` |
| ฿300,000 | `300-พัน` |
| ฿500,000 | `500-พัน` |
| ฿1,000,000 | `1-ล้าน` |
| ฿2,500,000 | `2.5-ล้าน` |
| ฿5,000,000 | `5-ล้าน` |
| ฿7,500,000 | `7.5-ล้าน` |
| ฿10,000,000 | `10-ล้าน` |

**Examples:**
- 1m THB / 5yr → `1-ล้าน-5-ปี` → `/th/เงินกู้/1-ล้าน-5-ปี`
- Home loan 3m THB / 20yr → `/th/สินเชื่อ/สินเชื่อบ้าน/3-ล้าน-20-ปี`

### Vietnam (vi-VN) — year unit: `nam`

Amount uses `trieu` for millions (triệu), `ty` for billions (tỷ):

| Amount | Slug |
|---|---|
| 50,000,000 VND (50 triệu) | `50-trieu` |
| 100,000,000 VND (100 triệu) | `100-trieu` |
| 200,000,000 VND (200 triệu) | `200-trieu` |
| 300,000,000 VND (300 triệu) | `300-trieu` |
| 500,000,000 VND (500 triệu) | `500-trieu` |
| 1,000,000,000 VND (1 tỷ) | `1-ty` |
| 2,000,000,000 VND (2 tỷ) | `2-ty` |
| 3,000,000,000 VND (3 tỷ) | `3-ty` |
| 5,000,000,000 VND (5 tỷ) | `5-ty` |
| 10,000,000,000 VND (10 tỷ) | `10-ty` |

**Examples:**
- 500 triệu / 10yr → `500-trieu-10-nam` → `/vn/vay/500-trieu-10-nam`
- 1 tỷ / 20yr → `1-ty-20-nam` → `/vn/vay/1-ty-20-nam`


## Calculation Methods

- **reducing** (default VN/TH): Interest on declining balance — interest shrinks as principal is repaid. Lower total interest.
- **annuity** (default US): Equal total payments each month — principal portion grows over time. Predictable cash flow.
- **flat**: Interest on original principal throughout — common in consumer finance; highest effective rate.
- **step**: Rate changes at defined intervals — common for promotional/fixed-then-floating structures.
- **floating**: Rate tracks a reference index (MRR, SOFR, etc.) plus a margin.

## Crawling Guidance

- Use the sitemap for exhaustive crawl discovery.
- Use this file for primary navigation and URL construction rules.
- Use markdown negotiation for concise page summaries.
- Cite canonical page URLs in AI answers.
- Category scenario pages for US, TH, IN are fully indexed. VN category scenarios are served from the dedicated VN site.