按揭摊销计算器API允许您准确计算并获得贷款月付款计划的完整细分。在接收到贷款金额、利率和月份期限等关键参数后,API返回一个月度计划,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人员、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。
该服务还提供聚合信息,如固定月付款、期末支付的总额、产生的总利息和任何已支付的首付款。每个元素的月度计划清楚地分隔并以货币值表达,便于其可视化、分析或集成到报告和仪表板中。
简而言之,这个API提供了任何贷款的摊销周期的专业细分,最大限度地提高了财务流程中的清晰度、实用性和自动化。
该API支持固定利率贷款,并允许您可视化在几个月内,支付中用于利息的比例如何下降,而本金成分如何增加。这对贷款人和借款人都很有用,因为它提供了关于贷款财务行为的完全透明性。
根据贷款金额、利率和期限返回每月的还款计划,包括支付、利息、本金摊销和剩余余额
可用货币:NOK EUR HKD CZK THB CHF USD ISK GBP JPY BGN CNY IDR TRY NZD SGD DKK AUD BRL ILS SEK CAD HUF ZAR MYR KRW MXN INR PHP PLN RON AED ARS CLP COP EGP GEL KES NGN PEN RUB SAR TWD VND ZMW XAF
抵押贷款计算器 - 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/9136/mortgage+amortization+calculator+api/16523/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表,其中包括每月付款、利息部分、本金摊销和剩余贷款余额。它还提供汇总信息,如总付款、支付的总利息和首付款细节
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 以及剩余余额 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,使得读取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(以月为单位)和首付款等参数自定义他们的请求。这些参数允许根据特定贷款场景定制摊销计划
终端提供有关每月付款、利息和本金分解、剩余余额、总付款、总利息以及首付款金额的信息。这些综合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 结构化格式便于对支付趋势的可视化 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 抵押贷款计算器以及整合到银行应用程序中 详细的摊销计划帮助贷方和借款人理解贷款动态
数据准确性通过基于标准摊销公式的严格计算得到维护 该API确保所有输出反映准确的财务指标为用户的财务决策提供可靠的信息