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curl --location --request POST 'https://zylalabs.com/api/12817/feature+rich+global+mortgage+and+loan+calculator+api/25416/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25417/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25418/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25419/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25420/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25421/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25422/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25423/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25424/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25425/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25426/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25427/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25428/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25429/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25430/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25431/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25432/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25433/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25434/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25436/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25438/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25440/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25442/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25444/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/12817/feature+rich+global+mortgage+and+loan+calculator+api/25446/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 Global de Hipotecas e Empréstimos Rica em Recursos 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 🎉)
Um calculador de hipoteca e empréstimo utilizável globalmente que suporta múltiplas moedas. Cobre pagamentos mensais, cronogramas de amortização completos, cálculo reverso de acessibilidade, economia em pagamentos antecipados, comparação lado a lado, custo total de propriedade, APR, relação dívida-renda, estimativas de imposto de selo, ponto de equilíbrio de 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 final do 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 antecipadas e custos de fechamento e será sempre maior que a taxa nominal quando houver taxas presente
ZA para Imposto sobre 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 EUA 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 declinará nesse nível
Cada ponto final retorna dados JSON contendo métricas financeiras calculadas Por exemplo o ponto final de Reembolso de Hipoteca retorna valores de pagamento mensais enquanto o ponto final de Consolidação de Empréstimos fornece economias totais e novos pagamentos mensais
Os campos principais incluem "sucesso" (booleano), "dados" (objeto com valores calculados) e "meta" (fornecendo contexto adicional como moeda e isenções de responsabilidade). Por exemplo, o endpoint de Acessibilidade de Hipoteca retorna "valorDoEmpréstimoAcessível" e "orçamentoMensal"
Os parâmetros variam de acordo com o ponto de extremidade, mas geralmente incluem "loanAmount", "termYears", "annualRate" e campos opcionais como "currency" e "paymentFrequency". Por exemplo, o ponto de extremidade dePagamentos Extras de Hipoteca exige "extraMonthlyPayment" para simular pagamentos adicionais
Os dados de resposta estão estruturados em um formato JSON com uma flag de "sucesso", um objeto "data" contendo os resultados calculados e um objeto "meta" para informações adicionais Essa estrutura permite uma fácil análise e integração em aplicações
Cada ponto de extremidade fornece cálculos financeiros específicos, como pagamentos mensais, custos totais, cronogramas de amortização e avaliações de acessibilidade. Por exemplo, o ponto de extremidade do Resumo da Hipoteca combina várias métricas em uma única resposta
Os usuários podem personalizar solicitações especificando parâmetros como "moeda" para exibição localizada ou "frequênciaDePagamento" para opções quinzenais Essa flexibilidade permite adaptar cálculos às necessidades individuais, como comparar diferentes cenários de empréstimos
Casos de uso típicos incluem planejamento financeiro comparações de hipoteca e avaliações de acessibilidade de empréstimos Os usuários podem aproveitar a API para simular vários cenários de empréstimos ajudando-os a tomar decisões informadas sobre estratégias de empréstimo e pagamento
A API depende de fórmulas matemáticas para cálculos, garantindo resultados consistentes com base nas entradas dos usuários. Embora a API forneça estimativas, os usuários são aconselhados a consultar consultores financeiros para obter aconselhamento personalizado, mantendo o foco na precisão e na confiabilidade