La API de Cálculo de Hipotecas es un servicio que proporciona a los desarrolladores acceso programático a información detallada sobre hipotecas y pagos de financiamiento de viviendas.

La API utiliza fórmulas estándar de cálculo de hipotecas para calcular los pagos de la hipoteca, teniendo en cuenta factores como el monto principal, la duración del préstamo y la tasa de interés.

Los usuarios necesitan proporcionar parámetros esenciales de la hipoteca, como el monto principal, el plazo del préstamo (en años o meses) y la tasa de interés anual para realizar cálculos hipotecarios.

La API devuelve varias informaciones de pago, incluyendo pagos mensuales, pagos anuales y detalles de la tasa de interés basados en los parámetros de hipoteca proporcionados.

Los cálculos de la API se basan en fórmulas hipotecarias estándar y son generalmente precisos. Sin embargo, los usuarios deben verificar los resultados y consultar con profesionales financieros para una planificación financiera precisa.

El endpoint de la Calculadora devuelve información detallada sobre los pagos de la hipoteca, incluyendo pagos mensuales, pagos anuales y el total de intereses pagados basado en los parámetros hipotecarios definidos por el usuario.

Los campos clave en la respuesta incluyen "pago_mensual" (total, hipoteca, impuesto_predial, HOA, seguro_hogar_anual), "pago_anual" (total, hipoteca, impuesto_predial, HOA, seguro_hogar) y "interés_total_pagado".

Los datos de respuesta están estructurados en un formato JSON, con secciones separadas para pagos mensuales y anuales, cada una conteniendo desgloses y totales relevantes para una fácil interpretación.

Los usuarios pueden personalizar sus solicitudes proporcionando parámetros como el monto principal, el plazo del préstamo (en años o meses) y la tasa de interés anual para calcular escenarios hipotecarios específicos.

El endpoint Calculadora proporciona información sobre los pagos mensuales y anuales de hipoteca, impuestos sobre la propiedad, cuotas de la asociación de propietarios y el total de intereses pagados durante el plazo del préstamo.

Los usuarios pueden aprovechar los datos devueltos para evaluar la asequibilidad, comparar opciones de préstamo y planificar presupuestos al analizar los desgloses de pagos mensuales y anuales junto con los costos totales de intereses.

Los casos de uso típicos incluyen calculadoras de asequibilidad de hipotecas, herramientas de comparación de préstamos, análisis de refinanciamiento, evaluaciones de inversión en bienes raíces y aplicaciones de planificación financiera.

La precisión de los datos se mantiene mediante el uso de fórmulas estándar de cálculo hipotecario, asegurando resultados fiables basados en los parámetros de entrada proporcionados por los usuarios.

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