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

La API del Calculador de Reembolso está diseñada para ayudar a los usuarios a construir aplicaciones que ofrezcan cronogramas 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.

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 horarios de amortización de préstamos detallados. Cada entrada incluye la fecha de pago, el monto de interés, el monto principal, el pago total y el saldo restante.

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

Los datos de respuesta están organizados como un arreglo de objetos, donde cada objeto representa un período de pago específico. Cada objeto contiene campos para la fecha, interés, capital, pago y saldo, lo que permite a los usuarios realizar un seguimiento del reembolso del préstamo a lo largo del tiempo.

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. Estos parámetros definen los términos del préstamo para cálculos precisos.

Los usuarios pueden analizar los datos devueltos para comprender su estructura de reembolso de préstamos, incluyendo cuánto de cada pago se destina a intereses frente al principal, y seguir su saldo restante a lo largo del tiempo, ayudando en la planificación financiera.

El punto final proporciona información sobre los calendarios de reembolso de préstamos, incluidos las fechas de pago, desgloses de intereses y capital, pagos totales y saldos restantes, que son esenciales para gestionar los préstamos de manera efectiva.

La precisión de los datos se mantiene a través de cálculos matemáticos precisos basados en parámetros definidos por el usuario. La API utiliza fórmulas de amortización estándar para garantizar resultados confiables y consistentes en los cronogramas de pago de préstamos.

Los casos de uso típicos incluyen aplicaciones de planificación financiera, plataformas bancarias, sistemas de gestión de préstamos y herramientas de finanzas personales, donde los usuarios necesitan visualizar y gestionar sus obligaciones de pago de préstamos de manera efectiva.

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