Para usar este punto final, los usuarios deben indicar un monto de préstamo, tasas de interés y años de duración.

La API de Simulación de Hipotecas calcula los pagos hipotecarios mensuales y anuales, 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 tasa está limitada para prevenir el abuso del servicio.

Los intereses totales pagados se calculan restando el monto principal del préstamo de los pagos totales realizados durante la duración del préstamo.

El endpoint de Cálculo de Hipoteca devuelve datos relacionados con los pagos mensuales y anuales de la hipoteca, incluidos los montos totales de los pagos, las porciones de la hipoteca y el total de intereses pagados. También proporciona desglose de impuestos sobre la propiedad, tarifas de HOA y seguro de vivienda, que se muestran como cero en este caso.

Los campos clave en los datos de respuesta incluyen `pago_mensual` (con `total`, `hipoteca`, `impuesto_propiedad`, `hoa`), `pago_anual` (con `total`, `hipoteca`, `impuesto_propiedad`, `hoa`, `seguro_hogar`), y `interés_total_pagado`.

Los datos de respuesta están estructurados en formato JSON, con objetos separados para `monthly_payment` y `annual_payment`, cada uno conteniendo campos relevantes. Esta organización permite a los usuarios acceder e interpretar fácilmente los detalles de los pagos.

El endpoint acepta parámetros como `loan_amount`, `interest_rate` y `duration_years`. Los usuarios pueden personalizar sus solicitudes ajustando estos valores para simular diferentes escenarios de hipoteca.

El punto final proporciona información sobre los pagos hipotecarios mensuales y anuales, el total de intereses pagados y un desglose de los componentes del pago. Se centra en los costos relacionados con la hipoteca, excluyendo gastos adicionales como el impuesto sobre la propiedad y el seguro.

Los usuarios pueden utilizar los datos devueltos para evaluar sus compromisos financieros mensuales, planificar presupuestos y evaluar la asequibilidad de hipotecas. El desglose detallado ayuda a entender cuánto de el pago va hacia el capital y los intereses.

Los casos de uso típicos incluyen a los compradores de viviendas estimando los pagos mensuales, a los profesionales de bienes raíces asesorando a los clientes sobre opciones hipotecarias y a los analistas financieros proyectando futuros gastos hipotecarios para fines de presupuestación.

La precisión de los datos se mantiene a través de cálculos rigurosos basados en fórmulas hipotecarias estándar. La API asegura que las salidas reflejen cifras financieras precisas, permitiendo a los usuarios tomar decisiones informadas sobre la propiedad de la vivienda.

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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Prices are determined by a recurring monthly or yearly subscription, depending on the chosen plan.

API calls are deducted from your plan based on successful requests. Each plan comes with a specific number of calls that you can make per month. Only successful calls, indicated by a Status 200 response, will be counted against your total. This ensures that failed or incomplete requests do not impact your monthly quota.

Zyla API Hub works on a recurring monthly subscription system. Your billing cycle will start the day you purchase one of the paid plans, and it will renew the same day of the next month. So be aware to cancel your subscription beforehand if you want to avoid future charges.

To upgrade your current subscription plan, simply go to the pricing page of the API and select the plan you want to upgrade to. The upgrade will be instant, allowing you to immediately enjoy the features of the new plan. Please note that any remaining calls from your previous plan will not be carried over to the new plan, so be aware of this when upgrading. You will be charged the full amount of the new plan.

To check how many API calls you have left for the current month, refer to the 'X-Zyla-API-Calls-Monthly-Remaining' field in the response header. For example, if your plan allows 1.000 requests per month and you've used 100, this field in the response header will indicate 900 remaining calls.

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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.

After 7 days, you will be charged the full amount for the plan you were subscribed to during the trial. Therefore, it's important to cancel before the trial period ends. Refund requests for forgetting to cancel on time are not accepted.

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.

Payout Orders are processed between the 20th and the 30th of each month. If you submit your request before the 20th, your payment will be processed within this timeframe.