获取抵押贷款摊销数据API允许您准确计算并获得贷款月付款计划的完整细目。在收到关键参数如贷款金额、利率和期限(月)后,API返回一个月度计划,其中包含结构化信息,包括月份编号、总月付款、利息部分、应用于本金的金额和剩余贷款余额。该工具非常适合金融科技开发者、银行平台、财务管理系统或任何需要定制信贷模拟的应用程序。
该服务还提供汇总信息,如固定月付款、期末支付总额、产生的总利息和任何应用的首付款。每个月度计划的元素都被清晰分隔,并以货币值表达,便于可视化、分析或集成到报告和仪表板中。
简而言之,该API提供了任何贷款的摊销周期的专业细目,最大限度地提高了财务流程的清晰度、实用性和自动化。
该API支持固定利率贷款,并允许您可视化随着时间的推移,支付中用于利息的比例如何减少,而本金部分则增加。这对贷方和借方都有用,因为它提供了贷款财务行为的完全透明。
根据贷款金额、利率和期限返回包含还款、利息、本金摊销和剩余余额的月度计划
可用货币:NOK 欧元 HKD CZK 泰铢 CHF 美元 ISK 英镑 日元 保加利亚列弗 人民币 印尼鲁比 土耳其里拉 新西兰元 新加坡元 丹麦克朗 澳元 巴西雷亚尔 以色列新谢克尔 瑞典克朗 加拿大元 匈牙利福林 南非兰特 马来西亚林吉特 韩元 墨西哥比索 印度卢比 菲律宾比索 波兰兹罗提 罗马尼亚列伊 阿联酋迪拉姆 阿根廷比索 智利比索 哥伦比亚比索 埃及镑 格鲁吉亚拉里 肯尼亚先令 尼日利亚奈拉 秘鲁新索尔 俄罗斯卢布 沙特里亚尔 新台币 越南盾 津巴布韦元 非洲金融共同体法郎
按揭计算器 - 端点功能
| 对象 | 描述 |
|---|---|
amount |
[必需] Enter an amount |
rate |
[必需] Indicates annual interest |
term_years |
[必需] Indicate the number of years for which you will take out the loan |
down_payment |
[必需] Indicates the down payment made |
frequency |
[必需] Indicate the frequency of the loan (monthly, semi-monthly, bi-weekly, weekly) |
currency |
[必需] Enter a currency |
{"amortization_freq":"Monthly","amortization_schedule":[{"interest_payment":"$791.67","month":1,"payment":"$8,335.56","principal_payment":"$7,543.90","remaining_balance":"$182,456.10"},{"interest_payment":"$760.23","month":2,"payment":"$8,335.56","principal_payment":"$7,575.33","remaining_balance":"$174,880.77"},{"interest_payment":"$728.67","month":3,"payment":"$8,335.56","principal_payment":"$7,606.89","remaining_balance":"$167,273.88"},{"interest_payment":"$696.97","month":4,"payment":"$8,335.56","principal_payment":"$7,638.59","remaining_balance":"$159,635.29"},{"interest_payment":"$665.15","month":5,"payment":"$8,335.56","principal_payment":"$7,670.42","remaining_balance":"$151,964.87"},{"interest_payment":"$633.19","month":6,"payment":"$8,335.56","principal_payment":"$7,702.38","remaining_balance":"$144,262.49"},{"interest_payment":"$601.09","month":7,"payment":"$8,335.56","principal_payment":"$7,734.47","remaining_balance":"$136,528.02"},{"interest_payment":"$568.87","month":8,"payment":"$8,335.56","principal_payment":"$7,766.70","remaining_balance":"$128,761.33"},{"interest_payment":"$536.51","month":9,"payment":"$8,335.56","principal_payment":"$7,799.06","remaining_balance":"$120,962.27"},{"interest_payment":"$504.01","month":10,"payment":"$8,335.56","principal_payment":"$7,831.55","remaining_balance":"$113,130.71"},{"interest_payment":"$471.38","month":11,"payment":"$8,335.56","principal_payment":"$7,864.19","remaining_balance":"$105,266.53"},{"interest_payment":"$438.61","month":12,"payment":"$8,335.56","principal_payment":"$7,896.95","remaining_balance":"$97,369.57"},{"interest_payment":"$405.71","month":13,"payment":"$8,335.56","principal_payment":"$7,929.86","remaining_balance":"$89,439.72"},{"interest_payment":"$372.67","month":14,"payment":"$8,335.56","principal_payment":"$7,962.90","remaining_balance":"$81,476.82"},{"interest_payment":"$339.49","month":15,"payment":"$8,335.56","principal_payment":"$7,996.08","remaining_balance":"$73,480.74"},{"interest_payment":"$306.17","month":16,"payment":"$8,335.56","principal_payment":"$8,029.39","remaining_balance":"$65,451.35"},{"interest_payment":"$272.71","month":17,"payment":"$8,335.56","principal_payment":"$8,062.85","remaining_balance":"$57,388.50"},{"interest_payment":"$239.12","month":18,"payment":"$8,335.56","principal_payment":"$8,096.45","remaining_balance":"$49,292.05"},{"interest_payment":"$205.38","month":19,"payment":"$8,335.56","principal_payment":"$8,130.18","remaining_balance":"$41,161.87"},{"interest_payment":"$171.51","month":20,"payment":"$8,335.56","principal_payment":"$8,164.06","remaining_balance":"$32,997.81"},{"interest_payment":"$137.49","month":21,"payment":"$8,335.56","principal_payment":"$8,198.07","remaining_balance":"$24,799.74"},{"interest_payment":"$103.33","month":22,"payment":"$8,335.56","principal_payment":"$8,232.23","remaining_balance":"$16,567.51"},{"interest_payment":"$69.03","month":23,"payment":"$8,335.56","principal_payment":"$8,266.53","remaining_balance":"$8,300.98"},{"interest_payment":"$34.59","month":24,"payment":"$8,335.56","principal_payment":"$8,300.98","remaining_balance":"$0.00"}],"down_payment":"$10,000.00","interest_rate":"5.00%","loan_amount":"$190,000.00","loan_term_months":24,"monthly_payment":"$8,335.56","total_interest":"$10,053.54","total_payment":"$200,053.54"}
curl --location --request GET 'https://zylalabs.com/api/9134/retrieve+mortgage+amortization+data+api/16521/mortgage+calculator?amount=200000&rate=5&term_years=2&down_payment=10000&frequency=monthly¤cy=USD' --header 'Authorization: Bearer YOUR_API_KEY'
| 标头 | 描述 |
|---|---|
授权
|
[必需] 应为 Bearer access_key. 订阅后,请查看上方的"您的 API 访问密钥"。 |
无长期承诺。随时升级、降级或取消。 免费试用包括最多 50 个请求。
API 返回一个详细的摊销计划,包括每月付款、利息部分、本金摊销和剩余贷款余额。它还提供总支付、总支付利息和首付款详情等汇总信息
响应中的关键字段包括月份编号 总月付款 利息部分 应用的本金金额 和剩余余额 每个字段都有清晰的定义以便于理解和分析
响应数据以表格格式结构化,每一行代表贷款期限的一个月。每一列对应特定的数据字段,使得阅读和解释摊销计划变得简单
用户可以使用贷款金额、利率、贷款期限(月)和首付款等参数来定制他们的请求。这些参数允许根据特定的贷款场景制定量身定制的摊销计划
该端点提供有关每月付款、利息和本金分解、剩余余额、总付款、总利息和首付款金额的信息。这个全面的数据有助于财务规划和分析
用户可以将返回的数据整合到财务报告、仪表板或应用程序中 结构化格式便于可视化支付趋势 帮助用户理解支付如何随着时间从利息转向本金
典型的用例包括财务规划 贷款比较 贷款计算器以及与银行应用的集成 详细的摊销计划帮助贷方和借方理解贷款动态
数据准确性通过基于标准摊销公式的严格计算得以保持 API确保所有输出反映精确的财务指标 为用户的财务决策提供可靠的信息
服务级别:
100%
响应时间:
505ms
服务级别:
100%
响应时间:
832ms
服务级别:
100%
响应时间:
800ms
服务级别:
100%
响应时间:
487ms
服务级别:
100%
响应时间:
609ms
服务级别:
100%
响应时间:
1,726ms
服务级别:
100%
响应时间:
921ms
服务级别:
100%
响应时间:
559ms
服务级别:
100%
响应时间:
841ms
服务级别:
100%
响应时间:
532ms