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

La API del Generador de Programas de Pago está diseñada para ayudar a los usuarios a construir aplicaciones que ofrezcan programas de amortización de préstamos completos.

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

La API utiliza claves de API para la autenticación. Para acceder a la API, incluya su clave de API en el encabezado de la solicitud. La clave de API se proporciona al registrarse y debe mantenerse segura.

La API del Generador de Cronograma de Pagos proporciona detalles del préstamo, incluyendo fechas de pago, intereses, capital, pago total y saldo restante.

El endpoint Calcular Pagos devuelve un calendario de reembolso de préstamos detallado, que incluye fechas de pago, montos de intereses, montos de capital, pagos totales y saldos restantes para cada cuota.

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

Los datos de respuesta están organizados como un array de objetos, cada uno representando un período de pago. Cada objeto contiene campos para la fecha, interés, capital, pago y saldo, lo que permite una fácil iteración y análisis.

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 calendarios de reembolso a medida.

Los usuarios pueden analizar la descomposición de cada pago para comprender cuánto se destina a intereses frente al principal, rastrear los saldos restantes a lo largo del tiempo y visualizar el proceso de amortización para una mejor planificación financiera.

Los casos de uso típicos incluyen el desarrollo de herramientas de planificación financiera, aplicaciones de gestión de préstamos e interfaces bancarias que requieren información detallada sobre los calendarios de pago de préstamos y la amortización.

La precisión de los datos se mantiene a través de algoritmos de cálculo robustos que consideran los parámetros proporcionados por el usuario, asegurando que los calendarios generados reflejen escenarios precisos de reembolso de préstamos basados en prácticas financieras estándar.

Los usuarios pueden esperar un patrón consistente en la respuesta, donde cada pago subsiguiente muestra típicamente una cantidad de interés decreciente y una cantidad de capital creciente, reflejando el proceso de amortización durante el plazo del préstamo.

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To give you the opportunity to experience our APIs without any commitment, we offer a 7-day free trial that allows you to make up to 50 API calls at no cost. This trial can be used only once, so we recommend applying it to the API that interests you the most. While most of our APIs offer a free trial, some may not. The trial concludes after 7 days or once you've made 50 requests, whichever occurs first. If you reach the 50 request limit during the trial, you will need to "Start Your Paid Plan" to continue making requests. You can find the "Start Your Paid Plan" button in your profile under Subscription -> Choose the API you are subscribed to -> Pricing tab. Alternatively, if you don't cancel your subscription before the 7th day, your free trial will end, and your plan will automatically be billed, granting you access to all the API calls specified in your plan. Please keep this in mind to avoid unwanted charges.

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