Para utilizar este punto final, los usuarios deben indicar una cantidad de préstamo, tasas de interés y años de duración.

La API de Estimador de Pago de Préstamo calcula los pagos mensuales y anuales de hipoteca, incluidos los intereses, y proporciona información sobre el total de intereses pagados a lo largo del tiempo.

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

Hay diferentes planes que se adaptan a todos, incluyendo una prueba gratuita para una pequeña cantidad de solicitudes, pero su tarifa está limitada para prevenir el abuso del servicio.

El interés total pagado se calcula restando el monto principal del préstamo de los pagos totales realizados durante la duración del préstamo.

El endpoint de la calculadora de hipotecas devuelve datos relacionados con los pagos hipotecarios, incluidos los totales mensuales y anuales, desgloses de capital e interés, y el total de interés pagado durante la duración del préstamo.

Los campos clave en la respuesta incluyen "pago_mensual" (con "total" y "hipoteca"), "pago_anual" (con "total" y "hipoteca"), y "interés_total_pagado," proporcionando una visión completa de las obligaciones de pago.

Los datos de respuesta están estructurados en formato JSON, con secciones separadas para pagos mensuales y anuales, cada una conteniendo montos totales y desgloses específicos, lo que permite una fácil interpretación y análisis.

Los usuarios pueden personalizar sus solicitudes utilizando parámetros como "cantidad_prestamo," "tasa_interes" y "duracion_años" para ajustar los cálculos a sus escenarios hipotecarios específicos.

El punto final proporciona información sobre los pagos mensuales y anuales de la hipoteca, incluyendo desgloses de capital e intereses, así como el total de intereses pagados, lo que ayuda a los usuarios a comprender sus compromisos financieros.

Los usuarios pueden utilizar los datos devueltos para presupuestar los pagos de la hipoteca, evaluar la asequibilidad y comparar diferentes escenarios de préstamo ajustando los parámetros de entrada para varios montos de préstamo y tasas de interés.

Los casos de uso típicos incluyen a los compradores de viviendas estimando pagos mensuales, agentes inmobiliarios asesorando a los clientes sobre opciones hipotecarias y planificadores financieros analizando la asequibilidad a largo plazo y estrategias de presupuestación.

La precisión de los datos se mantiene a través de cálculos rigurosos basados en fórmulas hipotecarias estándar, asegurando que los resultados reflejen escenarios de pago realistas basados en los parámetros de entrada proporcionados.

Zyla API Hub is like a big store for APIs, where you can find thousands of them all in one place. We also offer dedicated support and real-time monitoring of all APIs. Once you sign up, you can pick and choose which APIs you want to use. Just remember, each API needs its own subscription. But if you subscribe to multiple ones, you'll use the same key for all of them, making things easier for you.

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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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When you subscribe to an API free trial, you can make up to 50 API calls. If you wish to make additional API calls beyond this limit, the API will prompt you to perform an "Start Your Paid Plan." You can find the "Start Your Paid Plan" button in your profile under Subscription -> Choose the API you are subscribed to -> Pricing tab.

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