{"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/12818/advanced+global+mortgage+and+loan+calculator+api/25435/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/12818/advanced+global+mortgage+and+loan+calculator+api/25437/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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Consult a qualified financial advisor.","currency":"USD","cached":false}}
curl --location --request POST 'https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25439/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/12818/advanced+global+mortgage+and+loan+calculator+api/25441/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/12818/advanced+global+mortgage+and+loan+calculator+api/25443/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/12818/advanced+global+mortgage+and+loan+calculator+api/25445/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/12818/advanced+global+mortgage+and+loan+calculator+api/25447/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/12818/advanced+global+mortgage+and+loan+calculator+api/25448/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/12818/advanced+global+mortgage+and+loan+calculator+api/25450/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/12818/advanced+global+mortgage+and+loan+calculator+api/25452/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/12818/advanced+global+mortgage+and+loan+calculator+api/25454/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/12818/advanced+global+mortgage+and+loan+calculator+api/25456/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/12818/advanced+global+mortgage+and+loan+calculator+api/25458/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/12818/advanced+global+mortgage+and+loan+calculator+api/25459/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/12818/advanced+global+mortgage+and+loan+calculator+api/25461/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/12818/advanced+global+mortgage+and+loan+calculator+api/25464/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/12818/advanced+global+mortgage+and+loan+calculator+api/25466/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/12818/advanced+global+mortgage+and+loan+calculator+api/25467/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/12818/advanced+global+mortgage+and+loan+calculator+api/25469/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/12818/advanced+global+mortgage+and+loan+calculator+api/25472/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/12818/advanced+global+mortgage+and+loan+calculator+api/25474/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/12818/advanced+global+mortgage+and+loan+calculator+api/25476/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/12818/advanced+global+mortgage+and+loan+calculator+api/25478/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/12818/advanced+global+mortgage+and+loan+calculator+api/25480/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/12818/advanced+global+mortgage+and+loan+calculator+api/25482/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 Avançada de Hipoteca e Empréstimos Global 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, economias de reembolso antecipado, comparação lado a lado, custo total de propriedade, APR, razão dívida/renda, estimativas de imposto sobre selo, ponto de equilíbrio de refinanciamento, pagamentos balloon, períodos de juros apenas, consolidação de empréstimos e opções de pagamento quinzenais. 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 utilizam 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 TAE inclui taxas iniciais e custos de fechamento e sempre será mais alta do que a taxa nominal quando taxas estão 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 Imóveis 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 status de sucesso, cálculos relevantes e metadados Por exemplo o endpoint de Reembolso de Hipoteca retorna montantes de pagamento mensal detalhes do empréstimo e um aviso
Os campos principais incluem "sucesso" (booleano), "dados" (objeto com resultados de cálculo) e "meta" (informações adicionais como moeda e isenções de responsabilidade). Por exemplo, o endpoint de Acessibilidade de Hipoteca retorna "quantiaEmprestimoAcessível" e "orçamentoMensal"
Os parâmetros variam por ponto de extremidade, mas geralmente incluem "loanAmount", "termYears", "annualRate" e "currency" opcional. Por exemplo, o ponto de extremidade de Pagamento Extra da Hipoteca requer "extraMonthlyPayment" junto com os parâmetros padrão
Os dados de resposta são estruturados com um campo "sucesso" de nível superior, seguido por um objeto "dados" contendo resultados específicos e um objeto "meta" para contexto adicional. Essa estrutura permite fácil acesso aos resultados de cálculos e informações relacionadas
Cada ponto final fornece cálculos financeiros específicos, como pagamentos mensais, tabelas de amortização, avaliações de acessibilidade e comparações entre cenários de empréstimos. Por exemplo, o ponto final de Comparação de Empréstimos oferece análise de custo lado a lado
Os usuários podem personalizar solicitações especificando parâmetros como "frequênciaDePagamento" para pagamentos quinzenais ou mensais e "moeda" para exibição localizada Essa flexibilidade permite cálculos personalizados com base nas necessidades do usuário
Casos de uso típicos incluem avaliar opções de hipoteca, avaliar a acessibilidade de empréstimos, simular pagamentos extras e comparar diferentes cenários de empréstimos. Os usuários podem aproveitar esses dados para decisões financeiras informadas
A API se baseia em fórmulas matemáticas puras para cálculos, garantindo precisão consistente. Os usuários são aconselhados a consultar assessores financeiros para conselhos personalizados, uma vez que a API fornece estimativas com base nos dados de entrada