एक वैश्विक रूप से उपयोगीय बंधक और ऋण कैलकुलेटर जो कई मुद्राओं का समर्थन करता है मासिक पुनर्भुगतान पूर्ण अमॉर्टाइजेशन शेड्यूल्स आसानी से भरने की अतिरिक्त गणना जल्दी भुगतान बचत साइड-बाय-साइड तुलना स्वामित्व की कुल लागत एपीआर ऋण-से-आय अनुपात स्टाम्प ड्यूटी अनुमान पुनर्वित्त ब्रेक-ईवेन बैलून भुगतान केवल ब्याज अवधियां ऋण समेकन और द्वि-साप्ताहिक भुगतान विकल्प शुद्ध गणित - कोई बाह्य डेटा स्रोत नहीं किसी भी मुद्रा कोड पास करें (यूएसडी जीबीपी यूरो जेडएआर एयूडी आदि) स्थानीयकृत प्रदर्शन के लिए
{"success":true,"data":{"monthlyPayment":1896.2,"loanAmount":300000,"termYears":30,"annualRate":6.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25240/mortgage+repayment' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'
{"success":true,"data":{"affordableLoanAmount":316421.64,"monthlyBudget":2000,"termYears":30,"annualRate":6.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25241/mortgage+affordability' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"monthlyBudget": 2000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'
{"success":true,"data":{"monthlyPayment":5869.84,"totalMonths":60,"schedule":[{"month":1,"payment":5869.84,"principal":4244.84,"interest":1625,"balance":295755.16},{"month":2,"payment":5869.84,"principal":4267.84,"interest":1602.01,"balance":291487.32},{"month":3,"payment":5869.84,"principal":4290.95,"interest":1578.89,"balance":287196.36},{"month":4,"payment":5869.84,"principal":4314.2,"interest":1555.65,"balance":282882.17},{"month":5,"payment":5869.84,"principal":4337.57,"interest":1532.28,"balance":278544.6},{"month":6,"payment":5869.84,"principal":4361.06,"interest":1508.78,"balance":274183.54},{"month":7,"payment":5869.84,"principal":4384.68,"interest":1485.16,"balance":269798.85},{"month":8,"payment":5869.84,"principal":4408.43,"interest":1461.41,"balance":265390.42},{"month":9,"payment":5869.84,"principal":4432.31,"interest":1437.53,"balance":260958.11},{"month":10,"payment":5869.84,"principal":4456.32,"interest":1413.52,"balance":256501.79},{"month":11,"payment":5869.84,"principal":4480.46,"interest":1389.38,"balance":252021.33},{"month":12,"payment":5869.84,"principal":4504.73,"interest":1365.12,"balance":247516.6},{"month":13,"payment":5869.84,"principal":4529.13,"interest":1340.71,"balance":242987.47},{"month":14,"payment":5869.84,"principal":4553.66,"interest":1316.18,"balance":238433.81},{"month":15,"payment":5869.84,"principal":4578.33,"interest":1291.52,"balance":233855.48},{"month":16,"payment":5869.84,"principal":4603.13,"interest":1266.72,"balance":229252.35},{"month":17,"payment":5869.84,"principal":4628.06,"interest":1241.78,"balance":224624.29},{"month":18,"payment":5869.84,"principal":4653.13,"interest":1216.71,"balance":219971.16},{"month":19,"payment":5869.84,"principal":4678.33,"interest":1191.51,"balance":215292.83},{"month":20,"payment":5869.84,"principal":4703.67,"interest":1166.17,"balance":210589.15},{"month":21,"payment":5869.84,"principal":4729.15,"interest":1140.69,"balance":205860},{"month":22,"payment":5869.84,"principal":4754.77,"interest":1115.07,"balance":201105.23},{"month":23,"payment":5869.84,"principal":4780.52,"interest":1089.32,"balance":196324.7},{"month":24,"payment":5869.84,"principal":4806.42,"interest":1063.43,"balance":191518.28},{"month":25,"payment":5869.84,"principal":4832.45,"interest":1037.39,"balance":186685.83},{"month":26,"payment":5869.84,"principal":4858.63,"interest":1011.21,"balance":181827.2},{"month":27,"payment":5869.84,"principal":4884.95,"interest":984.9,"balance":176942.25},{"month":28,"payment":5869.84,"principal":4911.41,"interest":958.44,"balance":172030.85},{"month":29,"payment":5869.84,"principal":4938.01,"interest":931.83,"balance":167092.84},{"month":30,"payment":5869.84,"principal":4964.76,"interest":905.09,"balance":162128.08},{"month":31,"payment":5869.84,"principal":4991.65,"interest":878.19,"balance":157136.43},{"month":32,"payment":5869.84,"principal":5018.69,"interest":851.16,"balance":152117.74},{"month":33,"payment":5869.84,"principal":5045.87,"interest":823.97,"balance":147071.87},{"month":34,"payment":5869.84,"principal":5073.21,"interest":796.64,"balance":141998.66},{"month":35,"payment":5869.84,"principal":5100.69,"interest":769.16,"balance":136897.98},{"month":36,"payment":5869.84,"principal":5128.31,"interest":741.53,"balance":131769.66},{"month":37,"payment":5869.84,"principal":5156.09,"interest":713.75,"balance":126613.57},{"month":38,"payment":5869.84,"principal":5184.02,"interest":685.82,"balance":121429.55},{"month":39,"payment":5869.84,"principal":5212.1,"interest":657.74,"balance":116217.45},{"month":40,"payment":5869.84,"principal":5240.33,"interest":629.51,"balance":110977.11},{"month":41,"payment":5869.84,"principal":5268.72,"interest":601.13,"balance":105708.4},{"month":42,"payment":5869.84,"principal":5297.26,"interest":572.59,"balance":100411.14},{"month":43,"payment":5869.84,"principal":5325.95,"interest":543.89,"balance":95085.19},{"month":44,"payment":5869.84,"principal":5354.8,"interest":515.04,"balance":89730.39},{"month":45,"payment":5869.84,"principal":5383.8,"interest":486.04,"balance":84346.58},{"month":46,"payment":5869.84,"principal":5412.97,"interest":456.88,"balance":78933.62},{"month":47,"payment":5869.84,"principal":5442.29,"interest":427.56,"balance":73491.33},{"month":48,"payment":5869.84,"principal":5471.77,"interest":398.08,"balance":68019.56},{"month":49,"payment":5869.84,"principal":5501.41,"interest":368.44,"balance":62518.16},{"month":50,"payment":5869.84,"principal":5531.2,"interest":338.64,"balance":56986.95},{"month":51,"payment":5869.84,"principal":5561.17,"interest":308.68,"balance":51425.79},{"month":52,"payment":5869.84,"principal":5591.29,"interest":278.56,"balance":45834.5},{"month":53,"payment":5869.84,"principal":5621.57,"interest":248.27,"balance":40212.92},{"month":54,"payment":5869.84,"principal":5652.02,"interest":217.82,"balance":34560.9},{"month":55,"payment":5869.84,"principal":5682.64,"interest":187.2,"balance":28878.26},{"month":56,"payment":5869.84,"principal":5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only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25242/mortgage+amortisation+schedule' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 5, "annualRate": 6.5, "currency": "USD"}'
{"success":true,"data":{"base":{"monthlyPayment":1896.2,"totalInterest":382633.47,"termMonths":360},"withExtra":{"monthlyPayment":2096.2,"totalInterest":279184.67,"termMonths":277},"interestSaved":103448.79,"monthsSaved":83},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25243/mortgage+extra+payment' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "extraMonthlyPayment": 200, "currency": "USD"}'
{"success":true,"data":{"scenario1":{"loanAmount":300000,"termYears":30,"annualRate":6.5,"monthlyPayment":1896.2,"totalPaid":682633.47,"totalInterest":382633.47},"scenario2":{"loanAmount":300000,"termYears":20,"annualRate":6,"monthlyPayment":2149.29,"totalPaid":515830.36,"totalInterest":215830.36},"cheaperOption":"scenario2","tradeOffNote":"scenario2 costs 166803.11 less in total (2149.29/mo vs 1896.2/mo for scenario1)."},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25244/mortgage+comparison' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"scenario1": {"loanAmount": 300000, "termYears": 30, "annualRate": 6.5}, "scenario2": {"loanAmount": 300000, "termYears": 20, "annualRate": 6.0}, "currency": "USD"}'
{"success":true,"data":{"monthlyPayment":1896.2,"totalPaid":682633.47,"totalInterest":382633.47,"loanAmount":300000,"termYears":30,"annualRate":6.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25245/mortgage+total+cost' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'
{"success":true,"data":{"monthlyPayment":1896.2,"totalPaid":682633.47,"totalInterest":382633.47,"affordableLoanAmount":316421.64},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25246/mortgage+summary' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "monthlyBudget": 2000, "currency": "USD"}'
{"success":true,"data":{"currentMonthlyPayment":1896.2,"newMonthlyPayment":1703.37,"monthlySavings":192.84,"breakEvenMonths":16,"totalSavingsAfterBreakEven":66421.34},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25247/mortgage+refinance+breakeven' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 30, "currentRate": 6.5, "newRate": 5.5, "closingCosts": 3000, "currency": "USD"}'
{"success":true,"data":{"monthlyPayment":5162.37,"balloonPayment":50000,"totalPaid":359742.22,"totalInterest":59742.22,"schedule":[{"month":1,"payment":5162.37,"principal":3537.37,"interest":1625,"balance":296462.63},{"month":2,"payment":5162.37,"principal":3556.53,"interest":1605.84,"balance":292906.1},{"month":3,"payment":5162.37,"principal":3575.8,"interest":1586.57,"balance":289330.3},{"month":4,"payment":5162.37,"principal":3595.16,"interest":1567.21,"balance":285735.14},{"month":5,"payment":5162.37,"principal":3614.64,"interest":1547.73,"balance":282120.5},{"month":6,"payment":5162.37,"principal":3634.22,"interest":1528.15,"balance":278486.28},{"month":7,"payment":5162.37,"principal":3653.9,"interest":1508.47,"balance":274832.38},{"month":8,"payment":5162.37,"principal":3673.7,"interest":1488.68,"balance":271158.68},{"month":9,"payment":5162.37,"principal":3693.59,"interest":1468.78,"balance":267465.09},{"month":10,"payment":5162.37,"principal":3713.6,"interest":1448.77,"balance":263751.49},{"month":11,"payment":5162.37,"principal":3733.72,"interest":1428.65,"balance":260017.77},{"month":12,"payment":5162.37,"principal":3753.94,"interest":1408.43,"balance":256263.83},{"month":13,"payment":5162.37,"principal":3774.27,"interest":1388.1,"balance":252489.56},{"month":14,"payment":5162.37,"principal":3794.72,"interest":1367.65,"balance":248694.84},{"month":15,"payment":5162.37,"principal":3815.27,"interest":1347.1,"balance":244879.56},{"month":16,"payment":5162.37,"principal":3835.94,"interest":1326.43,"balance":241043.63},{"month":17,"payment":5162.37,"principal":3856.72,"interest":1305.65,"balance":237186.91},{"month":18,"payment":5162.37,"principal":3877.61,"interest":1284.76,"balance":233309.3},{"month":19,"payment":5162.37,"principal":3898.61,"interest":1263.76,"balance":229410.69},{"month":20,"payment":5162.37,"principal":3919.73,"interest":1242.64,"balance":225490.96},{"month":21,"payment":5162.37,"principal":3940.96,"interest":1221.41,"balance":221550},{"month":22,"payment":5162.37,"principal":3962.31,"interest":1200.06,"balance":217587.69},{"month":23,"payment":5162.37,"principal":3983.77,"interest":1178.6,"balance":213603.92},{"month":24,"payment":5162.37,"principal":4005.35,"interest":1157.02,"balance":209598.57},{"month":25,"payment":5162.37,"principal":4027.04,"interest":1135.33,"balance":205571.53},{"month":26,"payment":5162.37,"principal":4048.86,"interest":1113.51,"balance":201522.67},{"month":27,"payment":5162.37,"principal":4070.79,"interest":1091.58,"balance":197451.88},{"month":28,"payment":5162.37,"principal":4092.84,"interest":1069.53,"balance":193359.04},{"month":29,"payment":5162.37,"principal":4115.01,"interest":1047.36,"balance":189244.03},{"month":30,"payment":5162.37,"principal":4137.3,"interest":1025.07,"balance":185106.73},{"month":31,"payment":5162.37,"principal":4159.71,"interest":1002.66,"balance":180947.02},{"month":32,"payment":5162.37,"principal":4182.24,"interest":980.13,"balance":176764.78},{"month":33,"payment":5162.37,"principal":4204.89,"interest":957.48,"balance":172559.89},{"month":34,"payment":5162.37,"principal":4227.67,"interest":934.7,"balance":168332.22},{"month":35,"payment":5162.37,"principal":4250.57,"interest":911.8,"balance":164081.65},{"month":36,"payment":5162.37,"principal":4273.59,"interest":888.78,"balance":159808.05},{"month":37,"payment":5162.37,"principal":4296.74,"interest":865.63,"balance":155511.31},{"month":38,"payment":5162.37,"principal":4320.02,"interest":842.35,"balance":151191.29},{"month":39,"payment":5162.37,"principal":4343.42,"interest":818.95,"balance":146847.87},{"month":40,"payment":5162.37,"principal":4366.94,"interest":795.43,"balance":142480.93},{"month":41,"payment":5162.37,"principal":4390.6,"interest":771.77,"balance":138090.33},{"month":42,"payment":5162.37,"principal":4414.38,"interest":747.99,"balance":133675.95},{"month":43,"payment":5162.37,"principal":4438.29,"interest":724.08,"balance":129237.66},{"month":44,"payment":5162.37,"principal":4462.33,"interest":700.04,"balance":124775.32},{"month":45,"payment":5162.37,"principal":4486.5,"interest":675.87,"balance":120288.82},{"month":46,"payment":5162.37,"principal":4510.81,"interest":651.56,"balance":115778.01},{"month":47,"payment":5162.37,"principal":4535.24,"interest":627.13,"balance":111242.77},{"month":48,"payment":5162.37,"principal":4559.81,"interest":602.57,"balance":106682.97},{"month":49,"payment":5162.37,"principal":4584.5,"interest":577.87,"balance":102098.46},{"month":50,"payment":5162.37,"principal":4609.34,"interest":553.03,"balance":97489.13},{"month":51,"payment":5162.37,"principal":4634.3,"interest":528.07,"balance":92854.82},{"month":52,"payment":5162.37,"principal":4659.41,"interest":502.96,"balance":88195.42},{"month":53,"payment":5162.37,"principal":4684.65,"interest":477.73,"balance":83510.77},{"month":54,"payment":5162.37,"principal":4710.02,"interest":452.35,"balance":78800.75},{"month":55,"payment":5162.37,"principal":4735.53,"interest":426.84,"b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only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25248/mortgage+balloon+payment' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 5, "annualRate": 6.5, "balloonAmount": 50000, "currency": "USD"}'
{"success":true,"data":{"interestOnlyPayment":1625,"amortisedPayment":2025.62,"interestOnlyPeriodMonths":60,"amortisedPeriodMonths":300,"totalPaid":705186.45,"totalInterest":405186.45},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25249/mortgage+interest+only' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "interestOnlyYears": 5, "currency": "USD"}'
{"success":true,"data":{"nominalRate":6.5,"apr":6.5969,"monthlyPayment":1896.2,"loanAmount":300000,"fees":3000,"termYears":30},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25250/mortgage+apr' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "fees": 3000, "currency": "USD"}'
{"success":true,"data":{"grossMonthlyIncome":8000,"existingMonthlyDebts":500,"newMonthlyPayment":1896.2,"totalMonthlyDebt":2396.2,"dtiRatio":29.95,"assessment":"Good — within standard lending guidelines","loanAmount":300000,"termYears":30,"annualRate":6.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25251/mortgage+debt-to-income' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"grossMonthlyIncome": 8000, "monthlyDebts": 500, "loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'
{"success":true,"data":{"country":"ZA","propertyPrice":2000000,"firstTimeBuyer":false,"stampDuty":41625,"effectiveRate":2.0813,"notes":"South Africa Transfer Duty rates applied. No first-time buyer relief available for Transfer Duty."},"meta":{"source":"Static","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"ZAR","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25252/mortgage+stamp+duty' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"propertyPrice": 2000000, "country": "ZA", "firstTimeBuyer": false, "currency": "ZAR"}'
{"success":true,"data":{"monthlyPayment":420.04,"loanAmount":20000,"termYears":5,"annualRate":9.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25253/loan+repayment' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'
{"success":true,"data":{"affordableLoanAmount":23807.41,"monthlyBudget":500,"termYears":5,"annualRate":9.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25254/loan+affordability' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"monthlyBudget": 500, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'
{"success":true,"data":{"monthlyPayment":420.04,"totalMonths":60,"schedule":[{"month":1,"payment":420.04,"principal":261.7,"interest":158.33,"balance":19738.3},{"month":2,"payment":420.04,"principal":263.78,"interest":156.26,"balance":19474.52},{"month":3,"payment":420.04,"principal":265.86,"interest":154.17,"balance":19208.66},{"month":4,"payment":420.04,"principal":267.97,"interest":152.07,"balance":18940.69},{"month":5,"payment":420.04,"principal":270.09,"interest":149.95,"balance":18670.6},{"month":6,"payment":420.04,"principal":272.23,"interest":147.81,"balance":18398.37},{"month":7,"payment":420.04,"principal":274.38,"interest":145.65,"balance":18123.99},{"month":8,"payment":420.04,"principal":276.56,"interest":143.48,"balance":17847.43},{"month":9,"payment":420.04,"principal":278.75,"interest":141.29,"balance":17568.69},{"month":10,"payment":420.04,"principal":280.95,"interest":139.09,"balance":17287.73},{"month":11,"payment":420.04,"principal":283.18,"interest":136.86,"balance":17004.56},{"month":12,"payment":420.04,"principal":285.42,"interest":134.62,"balance":16719.14},{"month":13,"payment":420.04,"principal":287.68,"interest":132.36,"balance":16431.46},{"month":14,"payment":420.04,"principal":289.95,"interest":130.08,"balance":16141.51},{"month":15,"payment":420.04,"principal":292.25,"interest":127.79,"balance":15849.26},{"month":16,"payment":420.04,"principal":294.56,"interest":125.47,"balance":15554.69},{"month":17,"payment":420.04,"principal":296.9,"interest":123.14,"balance":15257.8},{"month":18,"payment":420.04,"principal":299.25,"interest":120.79,"balance":14958.55},{"month":19,"payment":420.04,"principal":301.62,"interest":118.42,"balance":14656.94},{"month":20,"payment":420.04,"principal":304,"interest":116.03,"balance":14352.93},{"month":21,"payment":420.04,"principal":306.41,"interest":113.63,"balance":14046.52},{"month":22,"payment":420.04,"principal":308.84,"interest":111.2,"balance":13737.69},{"month":23,"payment":420.04,"principal":311.28,"interest":108.76,"balance":13426.41},{"month":24,"payment":420.04,"principal":313.74,"interest":106.29,"balance":13112.66},{"month":25,"payment":420.04,"principal":316.23,"interest":103.81,"balance":12796.43},{"month":26,"payment":420.04,"principal":318.73,"interest":101.31,"balance":12477.7},{"month":27,"payment":420.04,"principal":321.26,"interest":98.78,"balance":12156.45},{"month":28,"payment":420.04,"principal":323.8,"interest":96.24,"balance":11832.65},{"month":29,"payment":420.04,"principal":326.36,"interest":93.68,"balance":11506.28},{"month":30,"payment":420.04,"principal":328.95,"interest":91.09,"balance":11177.34},{"month":31,"payment":420.04,"principal":331.55,"interest":88.49,"balance":10845.79},{"month":32,"payment":420.04,"principal":334.17,"interest":85.86,"balance":10511.61},{"month":33,"payment":420.04,"principal":336.82,"interest":83.22,"balance":10174.79},{"month":34,"payment":420.04,"principal":339.49,"interest":80.55,"balance":9835.31},{"month":35,"payment":420.04,"principal":342.17,"interest":77.86,"balance":9493.13},{"month":36,"payment":420.04,"principal":344.88,"interest":75.15,"balance":9148.25},{"month":37,"payment":420.04,"principal":347.61,"interest":72.42,"balance":8800.64},{"month":38,"payment":420.04,"principal":350.37,"interest":69.67,"balance":8450.27},{"month":39,"payment":420.04,"principal":353.14,"interest":66.9,"balance":8097.13},{"month":40,"payment":420.04,"principal":355.93,"interest":64.1,"balance":7741.2},{"month":41,"payment":420.04,"principal":358.75,"interest":61.28,"balance":7382.44},{"month":42,"payment":420.04,"principal":361.59,"interest":58.44,"balance":7020.85},{"month":43,"payment":420.04,"principal":364.46,"interest":55.58,"balance":6656.39},{"month":44,"payment":420.04,"principal":367.34,"interest":52.7,"balance":6289.05},{"month":45,"payment":420.04,"principal":370.25,"interest":49.79,"balance":5918.81},{"month":46,"payment":420.04,"principal":373.18,"interest":46.86,"balance":5545.63},{"month":47,"payment":420.04,"principal":376.13,"interest":43.9,"balance":5169.49},{"month":48,"payment":420.04,"principal":379.11,"interest":40.93,"balance":4790.38},{"month":49,"payment":420.04,"principal":382.11,"interest":37.92,"balance":4408.27},{"month":50,"payment":420.04,"principal":385.14,"interest":34.9,"balance":4023.13},{"month":51,"payment":420.04,"principal":388.19,"interest":31.85,"balance":3634.94},{"month":52,"payment":420.04,"principal":391.26,"interest":28.78,"balance":3243.68},{"month":53,"payment":420.04,"principal":394.36,"interest":25.68,"balance":2849.32},{"month":54,"payment":420.04,"principal":397.48,"interest":22.56,"balance":2451.84},{"month":55,"payment":420.04,"principal":400.63,"interest":19.41,"balance":2051.21},{"month":56,"payment":420.04,"principal":403.8,"interest":16.24,"balance":1647.42},{"month":57,"payment":420.04,"principal":407,"interest":13.04,"balance":1240.42},{"month":58,"payment":420.04,"principal":410.22,"interest":9.82,"balance":830.2},{"month":59,"payment":420.04,"principal":413.46,"interest":6.57,"balance":416.74},{"month":60,"payment":420.04,"principal":416.74,"interest":3.3,"balance":0}]},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25255/loan+amortisation+schedule' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'
{"success":true,"data":{"base":{"monthlyPayment":420.04,"totalInterest":5202.23,"termMonths":60},"withExtra":{"monthlyPayment":520.04,"totalInterest":3944.34,"termMonths":47},"interestSaved":1257.9,"monthsSaved":13},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25256/loan+extra+payment' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "extraMonthlyPayment": 100, "currency": "USD"}'
{"success":true,"data":{"scenario1":{"loanAmount":20000,"termYears":3,"annualRate":7.5,"monthlyPayment":622.12,"totalPaid":22396.48,"totalInterest":2396.48},"scenario2":{"loanAmount":20000,"termYears":5,"annualRate":9.5,"monthlyPayment":420.04,"totalPaid":25202.23,"totalInterest":5202.23},"cheaperOption":"scenario1","tradeOffNote":"scenario1 costs 2805.75 less in total (622.12/mo vs 420.04/mo for scenario2)."},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25257/loan+comparison' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"scenario1": {"loanAmount": 20000, "termYears": 3, "annualRate": 7.5}, "scenario2": {"loanAmount": 20000, "termYears": 5, "annualRate": 9.5}, "currency": "USD"}'
{"success":true,"data":{"monthlyPayment":420.04,"totalPaid":25202.23,"totalInterest":5202.23,"loanAmount":20000,"termYears":5,"annualRate":9.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25258/loan+total+cost' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'
{"success":true,"data":{"monthlyPayment":420.04,"totalPaid":25202.23,"totalInterest":5202.23,"affordableLoanAmount":23807.41},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25259/loan+summary' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "monthlyBudget": 500, "currency": "USD"}'
{"success":true,"data":{"totalCurrentBalance":23000,"totalCurrentMonthlyPayment":700,"newMonthlyPayment":477.44,"newTotalPaid":28646.53,"newTotalInterest":5646.53,"monthlySavings":222.56,"totalSavings":13353.47},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25260/loan+consolidation' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loans": [{"balance": 15000, "annualRate": 11.5, "monthlyPayment": 420}, {"balance": 8000, "annualRate": 18.0, "monthlyPayment": 280}], "newAnnualRate": 9.0, "newTermYears": 5, "currency": "USD"}'
{"success":true,"data":{"nominalRate":9.5,"apr":10.5937,"monthlyPayment":420.04,"loanAmount":20000,"fees":500,"termYears":5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25261/loan+apr' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "fees": 500, "currency": "USD"}'
{"success":true,"data":{"grossMonthlyIncome":5000,"existingMonthlyDebts":300,"newMonthlyPayment":420.04,"totalMonthlyDebt":720.04,"dtiRatio":14.4,"assessment":"Excellent — well within standard lending guidelines","loanAmount":20000,"termYears":5,"annualRate":9.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25262/loan+debt-to-income' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"grossMonthlyIncome": 5000, "monthlyDebts": 300, "loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'
{"success":true,"data":{"currencies":[{"code":"USD","symbol":"$","name":"US Dollar"},{"code":"EUR","symbol":"€","name":"Euro"},{"code":"GBP","symbol":"£","name":"British Pound"},{"code":"ZAR","symbol":"R","name":"South African Rand"},{"code":"AUD","symbol":"A$","name":"Australian Dollar"},{"code":"CAD","symbol":"C$","name":"Canadian Dollar"},{"code":"NZD","symbol":"NZ$","name":"New Zealand Dollar"},{"code":"SGD","symbol":"S$","name":"Singapore Dollar"},{"code":"AED","symbol":"د.إ","name":"UAE Dirham"},{"code":"INR","symbol":"₹","name":"Indian Rupee"},{"code":"JPY","symbol":"¥","name":"Japanese Yen"},{"code":"CHF","symbol":"Fr","name":"Swiss Franc"},{"code":"HKD","symbol":"HK$","name":"Hong Kong Dollar"},{"code":"MXN","symbol":"MX$","name":"Mexican Peso"},{"code":"BRL","symbol":"R$","name":"Brazilian Real"},{"code":"NGN","symbol":"₦","name":"Nigerian Naira"},{"code":"KES","symbol":"KSh","name":"Kenyan Shilling"},{"code":"GHS","symbol":"GH₵","name":"Ghanaian Cedi"}]},"meta":{"source":"Static","disclaimer":"Estimates only. Consult a qualified financial advisor.","cached":false}}
curl --location --request GET 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25263/info+list+supported+currencies' --header 'Authorization: Bearer YOUR_API_KEY'
{"status":"ok","version":"1.0.0","uptime_seconds":208488}
curl --location --request GET 'https://zylalabs.com/api/12810/global+loan+and+mortgage+calculator+api/25264/health+check' --header 'Authorization: Bearer YOUR_API_KEY'
साइन अप करने के बाद, प्रत्येक डेवलपर को एक पर्सनल API एक्सेस की असाइन की जाती है, जो अक्षरों और अंकों का एक यूनिक संयोजन होता है, जिसका उपयोग हमारे API एंडपॉइंट तक पहुंचने के लिए किया जाता है। प्रमाणीकरण के लिए वैश्विक ऋण और बंधक कैलकुलेटर API के साथ बस अपने बेयरर टोकन को Authorization हेडर में शामिल करें।
| हेडर | विवरण |
|---|---|
Authorization
|
आवश्यक
होना चाहिए Bearer access_key. जब आप सब्सक्राइब हों तो ऊपर "Your API Access Key" देखें।
|
कोई लंबी अवधि की प्रतिबद्धता नहीं। कभी भी अपग्रेड, डाउनग्रेड या कैंसल करें। फ्री ट्रायल में 50 रिक्वेस्ट तक शामिल हैं।
(वार्षिक बिलिंग के साथ 2 महीने बचाएँ 🎉)
एक वैश्विक उपयोग में लाने योग्य बंधक और ऋण कैलकुलेटर जो कई मुद्राओं का समर्थन करता है इसमें मासिक भुगतानों का कवरेज पूर्ण अचल पूंजी समय सारणी सक्षम करता है संयोजकता की पुनर्गणना प्रारंभिक पुनर्भुगतान बचत बगल से बगल तुलना कुल स्वामित्व लागत एपीआर ऋण-से-आय अनुपात स्टाम्प ड्यूटी अनुमान पुनर्वित्त ब्रेक-इवन बलून भुगतान केवल ब्याज अवधि ऋण समेकन और द्वि-साप्ताहिक भुगतान विकल्प शामिल हैं शुद्ध गणित - कोई बाहरी डेटा स्रोत नहीं किसी भी मुद्रा कोड पास करें (यूएसडी जीबीपी ईयूआर जेडएआर एयूडी आदि) स्थानीयकृत प्रदर्शन के लिए
नहीं "मुद्रा" क्षेत्र केवल प्रदर्शन के उद्देश्यों के लिए है सभी गणनाएँ उन संख्याओं का उपयोग करती हैं जो आप प्रदान करते हैं चाहे आप जो मुद्रा कोड पास करें
वार्षिक ब्याज दर को प्रतिशत के रूप में पास करें उदाहरण के लिए 6.5 पास करें 6.5% के लिए न कि 0.065
हाँ हर अमॉर्टाइजेशन शेड्यूल पर अंतिम महीने का बैलेंस बिल्कुल शून्य पर समाप्त होता है
वार्षिक दर ऋण पर नाममात्र ब्याज दर है एपीआर में अग्रिम शुल्क और समापन लागत शामिल होती है और जब शुल्क मौजूद होते हैं तो यह हमेशा नाममात्र दर से अधिक होगी
ZA दक्षिण अफ्रीका स्थानांतरण शुल्क के लिए GB यूके SDLT के लिए AU NSW दरों के लिए IE आयरलैंड के लिए और CA ओंटारियो भूमि स्थानांतरण कर के लिए US का समर्थन नहीं किया गया क्योंकि दरें राज्य और काउंटी के अनुसार भिन्न होती हैं
एक DTI 28% या उससे नीचे उत्कृष्ट है 36% तक अच्छा है 43% तक स्वीकार्य है 43% से ऊपर उच्च है और अधिकांश उधारदाता उस स्तर पर अस्वीकार कर देंगे
प्रत्येक एंडपॉइंट JSON डेटा लौटाता है जिसमें गणना के परिणाम होते हैं जैसे कि मासिक भुगतान कुल लागतें अमोर्टाइजेशन शेड्यूल और सस्ती होने का आकलन उदाहरण के लिए मॉर्टगेज रिपेमेंट एंडपॉइंट मासिक भुगतान और ऋण विवरण लौटाता है
मुख्य क्षेत्रों में "सफलता" (बूलियन), "डेटा" (गणना परिणामों के साथ ऑब्जेक्ट), और "मेटा" (मेटाडेटा जैसे मुद्रा और अस्वीकरण) शामिल हैं उदाहरण के लिए, मॉर्टगेज किफायतीता एंडपॉइंट "सस्तीऋणराशि" और "मासिकबजट" को "डेटा" ऑब्जेक्ट के भीतर लौटाता है
पैरामीटरें एनडपॉइंट के अनुसार भिन्न होती हैं लेकिन सामान्यतः "loanAmount" "termYears" "annualRate" और वैकल्पिक फ़ील्ड जैसे "currency" और "paymentFrequency" शामिल होती हैं उदाहरण के लिए, मॉर्टगेज अतिरिक्त भुगतान एनडपॉइंट को मानक ऋण पैरामीटर के साथ "extraMonthlyPayment" की आवश्यकता होती है
प्रतिक्रिया डेटा JSON प्रारूप में संरचित है जिसमें एक "सफलता" क्षेत्र है जो अनुरोध की स्थिति को इंगित करता है एक "डेटा" ऑब्जेक्ट जिसमें परिणाम होते हैं और एक "मेटा" ऑब्जेक्ट अतिरिक्त जानकारी के लिए होता है यह संरचना प्रासंगिक डेटा को आसानी से पार्स और एक्सेस करने की अनुमति देती है
प्रत्येक एंडपॉइंट विशिष्ट वित्तीय गणनाएँ प्रदान करता है जैसे कि मासिक भुगतान कुल ब्याज अमॉर्टाइजेशन अनुसूचियाँ और उपलब्धता मूल्यांकन उदाहरण के लिए लोन तुलना एंडपॉइंट दो लोन परिदृश्यों का साइड-बाय-साइड विश्लेषण प्रदान करता है
उपयोगकर्ता अनुरोधों को अनुकूलित कर सकते हैं जैसे "मुद्रा" स्थानीय प्रदर्शित करने के लिए "भुगतान आवृत्ति" मासिक या द्वि-साप्ताहिक विकल्पों के लिए और ऋण-विशिष्ट विवरण जैसे "वार्षिक दर" और "अवधि वर्ष" अपनी आवश्यकताओं के अनुसार गणनाओं को अनुकूलित करने के लिए
विशिष्ट उपयोग मामलों में बंधक योजना बनाना कर्ज की वहनीयता का आकलन करना और वित्तीय तुलना करना शामिल है उपयोगकर्ता API का लाभ उठाकर विभिन्न कर्ज परिदृश्यों का अनुकरण कर सकते हैं पुनर्वित्त विकल्पों का मूल्यांकन कर सकते हैं या बेहतर वित्तीय निर्णय लेने के लिए अमोर्टाइजेशन शेड्यूल बना सकते हैं
API गणनाओं के लिए शुद्ध गणितीय सूत्रों पर निर्भर करता है जो सभी अंत बिंदुओं पर सुसंगत सटीकता सुनिश्चित करते हैं उपयोगकर्ताओं को व्यक्तिगत सलाह के लिए वित्तीय सलाहकारों से परामर्श करने की सलाह दी जाती है क्योंकि API बाहरी डेटा स्रोतों के बिना इनपुट मानकों के आधार पर अनुमान प्रदान करता है