Los usuarios deben indicar la tasa de interés anual, la fecha de inicio, el número de cuotas y el monto principal para poder utilizar esta API.

La API del Planificador de Pagos está diseñada para ayudar a los usuarios a construir aplicaciones que ofrezcan programaciones de amortización de préstamos completas.

Hay diferentes planes para todos los gustos, incluyendo una prueba gratuita para un pequeño número de solicitudes, pero tu tarifa está limitada para evitar el abuso del servicio.

Zyla ofrece una amplia gama de métodos de integración para casi todos los lenguajes de programación. Puedes usar estos códigos para integrarlos en tu proyecto según lo necesites.

El endpoint Calcular Pagos devuelve un array JSON que contiene programas de amortización de préstamos detallados, incluyendo fechas de pago, montos de interés, montos de principal, pagos totales y saldos restantes.

Los campos clave en los datos de respuesta incluyen "fecha" (fecha de pago), "interés" (parte del interés del pago), "principal" (parte del principal), "pago" (monto total del pago) y "saldo" (saldo restante del préstamo).

Los datos de respuesta están organizados como un arreglo de objetos, cada uno representando un período de pago. Cada objeto contiene campos para fecha, interés, principal, pago y saldo, lo que permite a los usuarios analizar y procesar fácilmente el cronograma del préstamo.

Los usuarios pueden personalizar sus solicitudes proporcionando parámetros como la tasa de interés anual, la fecha de inicio, el número de cuotas y el monto principal para generar cronogramas de préstamos a medida.

Los usuarios pueden utilizar los datos devueltos para visualizar los calendarios de reembolso de préstamos, evaluar el impacto de diferentes tasas de interés o plazos, y crear herramientas de planificación financiera que ayuden a los usuarios a gestionar sus obligaciones de préstamo.

El punto final proporciona información sobre los calendarios de reembolso de préstamos, incluyendo el desglose de los pagos en principal e interés, los montos totales de los pagos y los saldos restantes durante el plazo del préstamo.

La precisión de los datos se mantiene a través de cálculos matemáticos precisos basados en parámetros definidos por el usuario, asegurando que los programas de amortización generados reflejen escenarios precisos de reembolso de préstamos.

Los casos de uso típicos incluyen aplicaciones de planificación financiera, plataformas bancarias para la gestión de préstamos, calculadoras de hipotecas y herramientas de finanzas personales que ayudan a los usuarios a comprender sus obligaciones de pago y su salud financiera.

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