{"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/12815/accurate+global+mortgage+and+loan+calculator+api/25356/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/12815/accurate+global+mortgage+and+loan+calculator+api/25358/hipoteca+%e2%80%94+asequibilidad' --header 'Authorization: Bearer YOUR_API_KEY'
--data-raw '{"monthlyBudget": 2000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'
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curl --location --request POST 'https://zylalabs.com/api/12815/accurate+global+mortgage+and+loan+calculator+api/25360/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/12815/accurate+global+mortgage+and+loan+calculator+api/25362/hipoteca+-+pago+adicional' --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/12815/accurate+global+mortgage+and+loan+calculator+api/25364/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/12815/accurate+global+mortgage+and+loan+calculator+api/25366/costo+total+de+la+hipoteca' --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/12815/accurate+global+mortgage+and+loan+calculator+api/25368/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/12815/accurate+global+mortgage+and+loan+calculator+api/25370/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"}'
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curl --location --request POST 'https://zylalabs.com/api/12815/accurate+global+mortgage+and+loan+calculator+api/25372/pr%c3%a9stamo+hipotecario+-+pago+globo' --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/12815/accurate+global+mortgage+and+loan+calculator+api/25374/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/12815/accurate+global+mortgage+and+loan+calculator+api/25376/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/12815/accurate+global+mortgage+and+loan+calculator+api/25378/hipoteca+-+proporci%c3%b3n+de+deuda+e+ingresos' --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/12815/accurate+global+mortgage+and+loan+calculator+api/25380/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/12815/accurate+global+mortgage+and+loan+calculator+api/25382/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/12815/accurate+global+mortgage+and+loan+calculator+api/25384/asequibilidad+del+pr%c3%a9stamo' --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/12815/accurate+global+mortgage+and+loan+calculator+api/25386/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/12815/accurate+global+mortgage+and+loan+calculator+api/25388/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/12815/accurate+global+mortgage+and+loan+calculator+api/25390/pr%c3%a9stamo+%e2%80%94+comparar' --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/12815/accurate+global+mortgage+and+loan+calculator+api/25392/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/12815/accurate+global+mortgage+and+loan+calculator+api/25394/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/12815/accurate+global+mortgage+and+loan+calculator+api/25396/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/12815/accurate+global+mortgage+and+loan+calculator+api/25399/tasa+de+inter%c3%a9s+anual+del+pr%c3%a9stamo' --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/12815/accurate+global+mortgage+and+loan+calculator+api/25401/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/12815/accurate+global+mortgage+and+loan+calculator+api/25403/listado+de+monedas+soportadas' --header 'Authorization: Bearer YOUR_API_KEY'
{"status":"ok","version":"1.0.0","uptime_seconds":208488}
curl --location --request GET 'https://zylalabs.com/api/12815/accurate+global+mortgage+and+loan+calculator+api/25404/health+check' --header 'Authorization: Bearer YOUR_API_KEY'
Após se cadastrar, cada desenvolvedor recebe uma chave de acesso à API pessoal, uma combinação única de letras e dígitos para acessar nosso endpoint de API. Para autenticar com a Calculadora de Hipoteca e Empréstimo Global Precisa API basta incluir seu token Bearer no cabeçalho Authorization.
| Cabeçalho | Descrição |
|---|---|
Authorization
|
Obrigatório
Deve ser Bearer access_key. Veja "Sua chave de acesso à API" acima quando você estiver inscrito.
|
Sem compromisso de longo prazo. Faça upgrade, downgrade ou cancele a qualquer momento. O teste gratuito inclui até 50 requisições.
(Economize 2 meses com cobrança anual 🎉)
Uma calculadora de hipoteca e empréstimo globalmente utilizável que suporta múltiplas moedas. Abrange pagamentos mensais, planos de amortização completa, cálculo reverso de acessibilidade, economias de pagamento antecipado, comparação lado a lado, custo total de propriedade, TAEG, relação dívida/renda, estimativas de imposto de selo, ponto de equilíbrio na refinanciamento, pagamentos balloon, períodos apenas de juros, consolidação de empréstimos e opções de pagamento quinzenal. Matemática pura - sem fontes de dados externas. Passe qualquer código de moeda (USD, GBP, EUR, ZAR, AUD, etc.) para exibição localizada.
Não O campo "moeda" é apenas para fins de exibição Todos os cálculos usam os números que você fornece independentemente de qual código de moeda você passar
Passe a taxa de juros anual como uma porcentagem Por exemplo passe 6.5 para 6.5% não 0.065
Sim O saldo do último mês em cada cronograma de amortização fecha exatamente em zero
A taxa anual é a taxa de juros nominal do empréstimo A APR inclui taxas iniciais e custos de fechamento e será sempre maior do que a taxa nominal quando taxas estiverem presentes
ZA para Imposto de Transferência da África do Sul GB para SDLT do Reino Unido AU para taxas de NSW IE para Irlanda e CA para Imposto sobre Transferência de Terras de Ontário US não é suportado pois as taxas variam por estado e condado
Uma DTI de 28% ou abaixo é Excelente Até 36% é Bom Até 43% é Aceitável Acima de 43% é Alto e a maioria dos credores recusará nesse nível
Cada endpoint retorna dados JSON contendo resultados calculados com base nos parâmetros de entrada. Por exemplo, o endpoint de Reembolso de Hipoteca retorna o pagamento mensal, enquanto o Cronograma de Amortização de Hipoteca fornece uma análise detalhada de cada pagamento ao longo do prazo do empréstimo
Os campos principais nos dados de resposta incluem "sucesso" (indicando o status da solicitação), "dados" (contendo os resultados do cálculo) e "meta" (fornecendo informações adicionais como moeda e isenções de responsabilidade). Por exemplo, o endpoint de Resumo da Hipoteca inclui pagamento mensal, custo total e valor de empréstimo acessível
Cada ponto final aceita parâmetros específicos Por exemplo o ponto final de Pagamento de Hipoteca requer loanAmount termYears e annualRate enquanto os parâmetros opcionais incluem paymentFrequency e currency Os usuários podem personalizar solicitações ajustando esses parâmetros para atender às suas necessidades
Os dados de resposta estão estruturados em um formato JSON com um campo de nível superior "sucesso" seguido de um objeto "dados" contendo os resultados Por exemplo o endpoint de Comparação de Hipoteca retorna dois cenários lado a lado permitindo que os usuários comparem facilmente os custos totais e os pagamentos mensais
Cada endpoint fornece vários cálculos financeiros Por exemplo o endpoint de Acessibilidade da Hipoteca calcula o valor máximo do empréstimo com base em um orçamento mensal enquanto o endpoint de Custo Total do Empréstimo retorna o valor total pago e os juros durante o prazo do empréstimo
Os usuários podem utilizar os dados retornados integrando-os em aplicativos financeiros ou painéis de controle Por exemplo o endpoint de Resumo de Hipoteca fornece várias métricas-chave em uma resposta tornando-o ideal para avaliações rápidas da acessibilidade do empréstimo e opções de pagamento
A precisão dos dados é mantida por meio de fórmulas matemáticas e cálculos sem depender de fontes de dados externas Cada ponto final utiliza algoritmos consistentes para garantir saídas confiáveis como a fórmula de amortização para cálculos de reembolso
Os casos de uso típicos incluem planejamento de hipoteca, comparações de empréstimos e avaliações financeiras Os usuários podem aproveitar a API para simular diferentes cenários de empréstimos calcular economias potenciais de pagamentos extras ou determinar a acessibilidade com base na renda e nas dívidas existentes