多币种全球抵押贷款和贷款计算器 API

API ID 12820

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API 文档

端点

请求

使用 amortisation 公式计算标准月供 支持可选的双周支付频率(每年 26 次付款) 请求体:- loanAmount(必需):本金贷款金额 - termYears(必需):贷款期限(年) - annualRate(必需):按百分比表示的年利率(例如 6.5 表示 6.5%) - paymentFrequency(可选):每月(默认)或双周 - currency(可选):显示货币标签 默认 USD

Endpoint ID: 25491
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25491/mortgage+repayment
输入参数

抵押贷款还款 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
抵押贷款还款 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25491/mortgage+repayment' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'

    
请求

根据月预算、期限和利率反向计算借款人可以允许的最大贷款金额。请求主体:- 月预算(必填):借款人可以承受的最高月付款。- 年限(必填):贷款期限,以年为单位。- 年利率(必填):年利率的百分比。- 货币(可选):显示货币的标签。默认是美元

Endpoint ID: 25492
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25492/hipoteca+%e2%80%94+asequibilidad
输入参数

可负担性住房贷款 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
可负担性住房贷款 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25492/hipoteca+%e2%80%94+asequibilidad' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"monthlyBudget": 2000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'

    
请求

返回完整的逐月摊销计划。每行显示付款、本金部分、利息部分和剩余余额。最后一个月的余额恰好接近零。请求体:- loanAmount(必填):本金贷款金额。- termYears(必填):贷款期限(以年为单位)。- annualRate(必填):年利率(以百分比表示)。- currency(选填):显示货币标签。默认为美元。

Endpoint ID: 25493
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25493/mortgage+amortisation+schedule
输入参数

抵押贷款摊销计划 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"success":true,"data":{"monthlyPayment":5869.84,"totalMonths":60,"schedule":[{"month":1,"payment":5869.84,"principal":4244.84,"interest":1625,"balance":295755.16},{"month":2,"payment":5869.84,"principal":4267.84,"interest":1602.01,"balance":291487.32},{"month":3,"payment":5869.84,"principal":4290.95,"interest":1578.89,"balance":287196.36},{"month":4,"payment":5869.84,"principal":4314.2,"interest":1555.65,"balance":282882.17},{"month":5,"payment":5869.84,"principal":4337.57,"interest":1532.28,"balance":278544.6},{"month":6,"payment":5869.84,"principal":4361.06,"interest":1508.78,"balance":274183.54},{"month":7,"payment":5869.84,"principal":4384.68,"interest":1485.16,"balance":269798.85},{"month":8,"payment":5869.84,"principal":4408.43,"interest":1461.41,"balance":265390.42},{"month":9,"payment":5869.84,"principal":4432.31,"interest":1437.53,"balance":260958.11},{"month":10,"payment":5869.84,"principal":4456.32,"interest":1413.52,"balance":256501.79},{"month":11,"payment":5869.84,"principal":4480.46,"interest":1389.38,"balance":252021.33},{"month":12,"payment":5869.84,"principal":4504.73,"interest":1365.12,"balance":247516.6},{"month":13,"payment":5869.84,"principal":4529.13,"interest":1340.71,"balance":242987.47},{"month":14,"payment":5869.84,"principal":4553.66,"interest":1316.18,"balance":238433.81},{"month":15,"payment":5869.84,"principal":4578.33,"interest":1291.52,"balance":233855.48},{"month":16,"payment":5869.84,"principal":4603.13,"interest":1266.72,"balance":229252.35},{"month":17,"payment":5869.84,"principal":4628.06,"interest":1241.78,"balance":224624.29},{"month":18,"payment":5869.84,"principal":4653.13,"interest":1216.71,"balance":219971.16},{"month":19,"payment":5869.84,"principal":4678.33,"interest":1191.51,"balance":215292.83},{"month":20,"payment":5869.84,"principal":4703.67,"interest":1166.17,"balance":210589.15},{"month":21,"payment":5869.84,"principal":4729.15,"interest":1140.69,"balance":205860},{"month":22,"payment":5869.84,"principal":4754.77,"interest":1115.07,"balance":201105.23},{"month":23,"payment":5869.84,"principal":4780.52,"interest":1089.32,"balance":196324.7},{"month":24,"payment":5869.84,"principal":4806.42,"interest":1063.43,"balance":191518.28},{"month":25,"payment":5869.84,"principal":4832.45,"interest":1037.39,"balance":186685.83},{"month":26,"payment":5869.84,"principal":4858.63,"interest":1011.21,"balance":181827.2},{"month":27,"payment":5869.84,"principal":4884.95,"interest":984.9,"balance":176942.25},{"month":28,"payment":5869.84,"principal":4911.41,"interest":958.44,"balance":172030.85},{"month":29,"payment":5869.84,"principal":4938.01,"interest":931.83,"balance":167092.84},{"month":30,"payment":5869.84,"principal":4964.76,"interest":905.09,"balance":162128.08},{"month":31,"payment":5869.84,"principal":4991.65,"interest":878.19,"balance":157136.43},{"month":32,"payment":5869.84,"principal":5018.69,"interest":851.16,"balance":152117.74},{"month":33,"payment":5869.84,"principal":5045.87,"interest":823.97,"balance":147071.87},{"month":34,"payment":5869.84,"principal":5073.21,"interest":796.64,"balance":141998.66},{"month":35,"payment":5869.84,"principal":5100.69,"interest":769.16,"balance":136897.98},{"month":36,"payment":5869.84,"principal":5128.31,"interest":741.53,"balance":131769.66},{"month":37,"payment":5869.84,"principal":5156.09,"interest":713.75,"balance":126613.57},{"month":38,"payment":5869.84,"principal":5184.02,"interest":685.82,"balance":121429.55},{"month":39,"payment":5869.84,"principal":5212.1,"interest":657.74,"balance":116217.45},{"month":40,"payment":5869.84,"principal":5240.33,"interest":629.51,"balance":110977.11},{"month":41,"payment":5869.84,"principal":5268.72,"interest":601.13,"balance":105708.4},{"month":42,"payment":5869.84,"principal":5297.26,"interest":572.59,"balance":100411.14},{"month":43,"payment":5869.84,"principal":5325.95,"interest":543.89,"balance":95085.19},{"month":44,"payment":5869.84,"principal":5354.8,"interest":515.04,"balance":89730.39},{"month":45,"payment":5869.84,"principal":5383.8,"interest":486.04,"balance":84346.58},{"month":46,"payment":5869.84,"principal":5412.97,"interest":456.88,"balance":78933.62},{"month":47,"payment":5869.84,"principal":5442.29,"interest":427.56,"balance":73491.33},{"month":48,"payment":5869.84,"principal":5471.77,"interest":398.08,"balance":68019.56},{"month":49,"payment":5869.84,"principal":5501.41,"interest":368.44,"balance":62518.16},{"month":50,"payment":5869.84,"principal":5531.2,"interest":338.64,"balance":56986.95},{"month":51,"payment":5869.84,"principal":5561.17,"interest":308.68,"balance":51425.79},{"month":52,"payment":5869.84,"principal":5591.29,"interest":278.56,"balance":45834.5},{"month":53,"payment":5869.84,"principal":5621.57,"interest":248.27,"balance":40212.92},{"month":54,"payment":5869.84,"principal":5652.02,"interest":217.82,"balance":34560.9},{"month":55,"payment":5869.84,"principal":5682.64,"interest":187.2,"balance":28878.26},{"month":56,"payment":5869.84,"principal":5713.42,"interest":156.42,"balance":23164.84},{"month":57,"payment":5869.84,"principal":5744.37,"interest":125.48,"balance":17420.47},{"month":58,"payment":5869.84,"principal":5775.48,"interest":94.36,"balance":11644.99},{"month":59,"payment":5869.84,"principal":5806.77,"interest":63.08,"balance":5838.22},{"month":60,"payment":5869.84,"principal":5838.22,"interest":31.62,"balance":0}]},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
抵押贷款摊销计划 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25493/mortgage+amortisation+schedule' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 300000, "termYears": 5, "annualRate": 6.5, "currency": "USD"}'

    
请求

模拟每月额外还款对抵押贷款的影响 返回与基础还款计划相比节省的利息和节省的月份 所需字段为loanAmount termYears annualRate和extraMonthlyPayment 货币字段是可选的,默认为美元

Endpoint ID: 25494
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25494/hipoteca+-+pago+adicional
输入参数

额外的抵押贷款付款 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
额外的抵押贷款付款 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25494/hipoteca+-+pago+adicional' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "extraMonthlyPayment": 200, "currency": "USD"}'

    
请求

并排比较两个抵押贷款情景。通过总成本确定更便宜的选项,并返回一条权衡说明,解释差异。请求体:- scenario1(必需):包含贷款金额、期限年数、年利率的对象。- scenario2(必需):包含贷款金额、期限年数、年利率的对象。- currency(可选):显示货币标签。默认为美元。

Endpoint ID: 25495
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25495/mortgage+comparison
输入参数

抵押贷款比较 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
抵押贷款比较 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25495/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"}'

    
请求

返回整个抵押贷款期限内支付的总金额和总利息 支持双周支付频率 申请主体: - loanAmount (必填):贷款的本金 - termYears (必填):贷款期限(年) - annualRate (必填):以百分比表示的年利率 - paymentFrequency (可选):按月(默认)或双周 - currency (可选):将显示的货币标签 默认USD

Endpoint ID: 25496
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25496/costo+total+de+la+hipoteca
输入参数

抵押贷款总成本 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
抵押贷款总成本 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25496/costo+total+de+la+hipoteca' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "currency": "USD"}'

    
请求

单个调用返回每月付款、总成本、总利息和可承受的最大贷款金额的组合。非常适合需要一次请求多个值的仪表盘样式应用。请求体:- loanAmount(必需):本金贷款金额。- termYears(必需):贷款期限(年)。- annualRate(必需):年利率(百分比)。- monthlyBudget(必需):用于计算可承受贷款金额的每月预算。- currency(可选):显示货币标签。默认为美元

Endpoint ID: 25497
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25497/mortgage+summary
输入参数

抵押贷款摘要 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
抵押贷款摘要 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25497/mortgage+summary' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "monthlyBudget": 2000, "currency": "USD"}'

    
请求

计算在转向较低利率时,通过每月节省的金额来收回再融资的关税费用所需的月份。返回每月节省的金额、收支平衡月数以及剩余期限内的总净节省。请求主体: - loanAmount(必需):未偿还贷款余额。 - termYears(必需):剩余的贷款期限(年)。 - currentRate(必需):当前年利率(以百分比表示)。 - newRate(必需):提议的年利率(必须低于currentRate)。 - closingCosts(必需):前期再融资费用。 - currency(可选):显示货币标签。默认为美元。

Endpoint ID: 25498
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25498/mortgage+refinance+breakeven
输入参数

抵押贷款再融资盈亏平衡 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
抵押贷款再融资盈亏平衡 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25498/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"}'

    
请求

计算一个在期限结束时支付总额的抵押贷款。每月的付款低于完全摊销贷款的付款。返回完整的 amortization 日历,最后一个月显示总付款金额。请求主体: - loanAmount(必填):贷款的本金金额。 - termYears(必填):贷款期限(以年为单位)。 - annualRate(必填):年利率,以百分比表示。 - balloonAmount(必填):期满时到期的总额。必须小于 loanAmount。 - currency(可选):显示的货币标签。默认是美元。

Endpoint ID: 25499
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25499/pr%c3%a9stamo+hipotecario+-+pago+globo
输入参数

按揭气球支付 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"success":true,"data":{"monthlyPayment":5162.37,"balloonPayment":50000,"totalPaid":359742.22,"totalInterest":59742.22,"schedule":[{"month":1,"payment":5162.37,"principal":3537.37,"interest":1625,"balance":296462.63},{"month":2,"payment":5162.37,"principal":3556.53,"interest":1605.84,"balance":292906.1},{"month":3,"payment":5162.37,"principal":3575.8,"interest":1586.57,"balance":289330.3},{"month":4,"payment":5162.37,"principal":3595.16,"interest":1567.21,"balance":285735.14},{"month":5,"payment":5162.37,"principal":3614.64,"interest":1547.73,"balance":282120.5},{"month":6,"payment":5162.37,"principal":3634.22,"interest":1528.15,"balance":278486.28},{"month":7,"payment":5162.37,"principal":3653.9,"interest":1508.47,"balance":274832.38},{"month":8,"payment":5162.37,"principal":3673.7,"interest":1488.68,"balance":271158.68},{"month":9,"payment":5162.37,"principal":3693.59,"interest":1468.78,"balance":267465.09},{"month":10,"payment":5162.37,"principal":3713.6,"interest":1448.77,"balance":263751.49},{"month":11,"payment":5162.37,"principal":3733.72,"interest":1428.65,"balance":260017.77},{"month":12,"payment":5162.37,"principal":3753.94,"interest":1408.43,"balance":256263.83},{"month":13,"payment":5162.37,"principal":3774.27,"interest":1388.1,"balance":252489.56},{"month":14,"payment":5162.37,"principal":3794.72,"interest":1367.65,"balance":248694.84},{"month":15,"payment":5162.37,"principal":3815.27,"interest":1347.1,"balance":244879.56},{"month":16,"payment":5162.37,"principal":3835.94,"interest":1326.43,"balance":241043.63},{"month":17,"payment":5162.37,"principal":3856.72,"interest":1305.65,"balance":237186.91},{"month":18,"payment":5162.37,"principal":3877.61,"interest":1284.76,"balance":233309.3},{"month":19,"payment":5162.37,"principal":3898.61,"interest":1263.76,"balance":229410.69},{"month":20,"payment":5162.37,"principal":3919.73,"interest":1242.64,"balance":225490.96},{"month":21,"payment":5162.37,"principal":3940.96,"interest":1221.41,"balance":221550},{"month":22,"payment":5162.37,"principal":3962.31,"interest":1200.06,"balance":217587.69},{"month":23,"payment":5162.37,"principal":3983.77,"interest":1178.6,"balance":213603.92},{"month":24,"payment":5162.37,"principal":4005.35,"interest":1157.02,"balance":209598.57},{"month":25,"payment":5162.37,"principal":4027.04,"interest":1135.33,"balance":205571.53},{"month":26,"payment":5162.37,"principal":4048.86,"interest":1113.51,"balance":201522.67},{"month":27,"payment":5162.37,"principal":4070.79,"interest":1091.58,"balance":197451.88},{"month":28,"payment":5162.37,"principal":4092.84,"interest":1069.53,"balance":193359.04},{"month":29,"payment":5162.37,"principal":4115.01,"interest":1047.36,"balance":189244.03},{"month":30,"payment":5162.37,"principal":4137.3,"interest":1025.07,"balance":185106.73},{"month":31,"payment":5162.37,"principal":4159.71,"interest":1002.66,"balance":180947.02},{"month":32,"payment":5162.37,"principal":4182.24,"interest":980.13,"balance":176764.78},{"month":33,"payment":5162.37,"principal":4204.89,"interest":957.48,"balance":172559.89},{"month":34,"payment":5162.37,"principal":4227.67,"interest":934.7,"balance":168332.22},{"month":35,"payment":5162.37,"principal":4250.57,"interest":911.8,"balance":164081.65},{"month":36,"payment":5162.37,"principal":4273.59,"interest":888.78,"balance":159808.05},{"month":37,"payment":5162.37,"principal":4296.74,"interest":865.63,"balance":155511.31},{"month":38,"payment":5162.37,"principal":4320.02,"interest":842.35,"balance":151191.29},{"month":39,"payment":5162.37,"principal":4343.42,"interest":818.95,"balance":146847.87},{"month":40,"payment":5162.37,"principal":4366.94,"interest":795.43,"balance":142480.93},{"month":41,"payment":5162.37,"principal":4390.6,"interest":771.77,"balance":138090.33},{"month":42,"payment":5162.37,"principal":4414.38,"interest":747.99,"balance":133675.95},{"month":43,"payment":5162.37,"principal":4438.29,"interest":724.08,"balance":129237.66},{"month":44,"payment":5162.37,"principal":4462.33,"interest":700.04,"balance":124775.32},{"month":45,"payment":5162.37,"principal":4486.5,"interest":675.87,"balance":120288.82},{"month":46,"payment":5162.37,"principal":4510.81,"interest":651.56,"balance":115778.01},{"month":47,"payment":5162.37,"principal":4535.24,"interest":627.13,"balance":111242.77},{"month":48,"payment":5162.37,"principal":4559.81,"interest":602.57,"balance":106682.97},{"month":49,"payment":5162.37,"principal":4584.5,"interest":577.87,"balance":102098.46},{"month":50,"payment":5162.37,"principal":4609.34,"interest":553.03,"balance":97489.13},{"month":51,"payment":5162.37,"principal":4634.3,"interest":528.07,"balance":92854.82},{"month":52,"payment":5162.37,"principal":4659.41,"interest":502.96,"balance":88195.42},{"month":53,"payment":5162.37,"principal":4684.65,"interest":477.73,"balance":83510.77},{"month":54,"payment":5162.37,"principal":4710.02,"interest":452.35,"balance":78800.75},{"month":55,"payment":5162.37,"principal":4735.53,"interest":426.84,"balance":74065.22},{"month":56,"payment":5162.37,"principal":4761.18,"interest":401.19,"balance":69304.03},{"month":57,"payment":5162.37,"principal":4786.97,"interest":375.4,"balance":64517.06},{"month":58,"payment":5162.37,"principal":4812.9,"interest":349.47,"balance":59704.16},{"month":59,"payment":5162.37,"principal":4838.97,"interest":323.4,"balance":54865.18},{"month":60,"payment":55162.37,"principal":54865.18,"interest":297.19,"balloon":50000,"balance":0}]},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
按揭气球支付 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25499/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"}'

    
请求

计算一个带有仅付利息期的抵押贷款,随后在剩余期限内进行全面摊销。在仅付利息期间,本金保持不变,因此一旦开始全面摊销,付款会增加。请求正文:- loanAmount(必填):本金金额。 - termYears(必填):贷款总期限(以年为单位)。 - annualRate(必填):年度利率(百分比形式)。 - interestOnlyYears(必填):仅付利息期的长度(以年为单位)。必须少于termYears。 - currency(可选):显示货币标签。默认是美元。

Endpoint ID: 25500
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25500/mortgage+interest+only
输入参数

只付利息的抵押贷款 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
只付利息的抵押贷款 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25500/mortgage+interest+only' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "interestOnlyYears": 5, "currency": "USD"}'

    
请求

使用牛顿-拉夫森迭代计算包括前期费用和成交费用在内的真实年百分比率(APR)当存在费用时,APR将始终高于名义利率 请求体:- loanAmount(必填):本金贷款金额 - termYears(必填):贷款期限(年) - annualRate(必填):名义年利率(以百分比表示) - fees(必填):总前期费用和成交费用。如果没有,请传入0 - currency(可选):显示货币标签。默认是美元

Endpoint ID: 25501
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25501/mortgage+apr
输入参数

抵押贷款年利率 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
抵押贷款年利率 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25501/mortgage+apr' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 300000, "termYears": 30, "annualRate": 6.5, "fees": 3000, "currency": "USD"}'

    
请求

计算债务收入比(DTI)以获取抵押贷款申请,并返回4个等级的可负担性评估:优秀(≤28%),良好(≤36%),可接受(≤43%)或高(>43%)。申请主体:- 收入月度总额(必填):税前月收入。 - 月度债务(必填):现有债务的月付款,不包括新的抵押贷款。如果没有,输入0。 - 贷款金额(必填):贷款的本金金额。 - 贷款年限(必填):贷款的年限。 - 年利率(必填):以百分比表示的年利率。 - 货币(可选):显示的货币标签。默认为美元。

Endpoint ID: 25502
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25502/hipoteca+-+proporci%c3%b3n+de+deuda+e+ingresos
输入参数

债务与住房收入比关系 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
债务与住房收入比关系 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25502/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"}'

    
请求

估算支持国家的住宅物业购买的印花税或转让税。首次购房者优惠适用时为可用。必填字段为“propertyPrice”和“country”。“firstTimeBuyer”字段为可选,如果未提供则使用false。“currency”字段为可选,如果未提供则使用USD。支持的国家代码为“ZA”“GB”“AU”“IE”和“CA”。

Endpoint ID: 25503
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25503/mortgage+stamp+duty
输入参数

按揭印花税 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
按揭印花税 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25503/mortgage+stamp+duty' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"propertyPrice": 2000000, "country": "ZA", "firstTimeBuyer": false, "currency": "ZAR"}'

    
请求

使用摊销公式计算标准的每月个人贷款还款额 支持可选的每两周还款频率(每年26次付款) 请求体: - loanAmount(必需):本金贷款金额 - termYears(必需):贷款期限(年) - annualRate(必需):年利率(以百分比表示) - paymentFrequency(可选):每月(默认)或每两周 - currency(可选):显示货币标签 默认是美元

Endpoint ID: 25504
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25504/loan+repayment
输入参数

贷款偿还 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款偿还 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25504/loan+repayment' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'

    
请求

反向计算借款人根据月预算、期限和利率可以承受的个人贷款最大金额。申请主体:- 预算月(必填):借款人可以承受的每月最高付款。- 年限(必填):贷款期限,以年为单位。- 年利率(必填):年利率,以百分比表示。- 货币(可选):显示的货币标签。默认USD

Endpoint ID: 25505
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25505/asequibilidad+del+pr%c3%a9stamo
输入参数

贷款的可负担性 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款的可负担性 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25505/asequibilidad+del+pr%c3%a9stamo' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"monthlyBudget": 500, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'

    
请求

返回个人贷款的完整按月摊还计划 每一行显示付款本金部分利息部分和剩余余额 最后一个月的余额精确为零 请求体 - loanAmount(必需):贷款本金 - termYears(必需):贷款年限 - annualRate(必需):年利率百分比 - currency(可选):显示货币标签 默认是美元

Endpoint ID: 25506
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25506/loan+amortisation+schedule
输入参数

贷款摊销计划 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款摊销计划 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25506/loan+amortisation+schedule' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'

    
请求

模拟在个人贷款上每月额外还款的效果 返回与基本还款计划相比节省的利息和节省的月份 必填字段为“loanAmount”、“termYears”、“annualRate”和“extraMonthlyPayment” “currency”字段为可选项,未提供时使用美元

Endpoint ID: 25507
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25507/loan+extra+payment
输入参数

贷款额外支付 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款额外支付 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25507/loan+extra+payment' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "extraMonthlyPayment": 100, "currency": "USD"}'

    
请求
比较两个个人贷款场景并行显示通过总成本确定的最便宜选项并返回补偿的解释 请求主体: - 场景1(必填):包含贷款金额、期限年数、年利率的对象 - 场景2(必填):包含贷款金额、期限年数、年利率的对象 - 货币(可选):显示的货币标签 默认USD
Endpoint ID: 25508
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25508/pr%c3%a9stamo+%e2%80%94+comparar
输入参数

贷款 — 比较 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款 — 比较 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25508/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"}'

    
请求

返回在整个个人贷款期限内支付的总金额和总利息 支持每两周支付一次的频率 请求体: - loanAmount(必填):贷款本金 - termYears(必填):贷款期限(年) - annualRate(必填):年利率(百分比) - paymentFrequency(可选):每月(默认)或每两周 - currency(可选):显示的货币标签 默认是美元

Endpoint ID: 25509
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25509/loan+total+cost
输入参数

贷款总成本 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款总成本 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25509/loan+total+cost' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "currency": "USD"}'

    
请求

单个调用返回每月付款、总费用、总利息和最大可负担贷款金额的组合。适用于仪表盘风格的应用程序。请求主体:- loanAmount(必填):本金贷款金额。- termYears(必填):贷款期限(以年为单位)。- annualRate(必填):年利率(以百分比表示)。- monthlyBudget(必填):用于计算可负担贷款金额的每月预算。- currency(可选):显示货币标签。默认为美元。

Endpoint ID: 25510
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25510/loan+summary
输入参数

贷款摘要 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款摘要 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25510/loan+summary' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{"loanAmount": 20000, "termYears": 5, "annualRate": 9.5, "monthlyBudget": 500, "currency": "USD"}'

    
请求

将多个现有贷款合并为一个综合贷款,并显示每月节省金额和新期限内的总节省金额。请求正文: - loans(必需):现有贷款的数组。每项需提供余额、年利率和月还款额。 - newAnnualRate(必需):综合贷款的年利率。 - newTermYears(必需):综合贷款的期限(以年为单位)。 - currency(可选):显示货币标签。默认为美元。

Endpoint ID: 25511
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25511/loan+consolidation
输入参数

贷款合并 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款合并 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25511/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"}'

    
请求

计算包括初始费用在内的个人贷款的真实年百分比利率(APR),使用牛顿-拉夫森迭代法。当存在费用时,APR将始终大于名义利率。申请内容: - loanAmount(必填):贷款的本金金额。 - termYears(必填):贷款期限(以年为单位)。 - annualRate(必填):年名义利率,以百分比表示。 - fees(必填):初始费用总额。如果没有,请输入0。 - currency(可选):显示的货币标签。默认情况下为美元

Endpoint ID: 25512
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25512/tasa+de+inter%c3%a9s+anual+del+pr%c3%a9stamo
输入参数

贷款年利率 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款年利率 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25512/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"}'

    
请求

计算个人贷款申请的债务收入比(DTI)并返回四个级别的可负担性评估:优秀(≤28%)良好(≤36%)可接受(≤43%)或高(>43%)。请求体:- grossMonthlyIncome(必填):税前月总收入。- monthlyDebts(必填):不包括新贷款的现有月债务支付。如果没有则传递0。- loanAmount(必填):本金贷款金额。- termYears(必填):贷款期限(年)。- annualRate(必填):年利率(百分比)。- currency(可选):显示货币标签。默认美元。

Endpoint ID: 25513
POST https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25513/loan+debt-to-income
输入参数

贷款债务收入比 — 端点功能

对象 描述
请求体 必需 Json

剩余免费测试请求:3 / 3。


输入参数

API 示例响应
JSON
{"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}}
贷款债务收入比 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25513/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"}'

    
请求

返回完整的货币代码、符号和名称支持列表。将任何代码值作为货币参数传递到任何其他端点,以便在响应中定位显示标签

Endpoint ID: 25514
GET https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25514/listado+de+monedas+soportadas
输入参数

剩余免费测试请求:3 / 3。

此端点不需要任何输入参数。

API 示例响应
JSON
{"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}}
支持的货币列表 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25514/listado+de+monedas+soportadas' --header 'Authorization: Bearer YOUR_API_KEY' 


    
请求
返回 API 状态、版本和运行时间(以秒为单位)。在进行计算请求之前使用此功能以验证服务是否正在运行
Endpoint ID: 25515
GET https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25515/health+check
输入参数

剩余免费测试请求:3 / 3。

此端点不需要任何输入参数。

API 示例响应
JSON
{"status":"ok","version":"1.0.0","uptime_seconds":208488}
健康检查 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12820/multi+currency+global+mortgage+and+loan+calculator+api/25515/health+check' --header 'Authorization: Bearer YOUR_API_KEY' 


    

API 访问密钥和身份验证

注册后,每个开发者都会被分配一个个人 API 访问密钥,这是一个唯一的字母和数字组合,用于访问我们的 API 端点。要使用 多币种全球抵押贷款和贷款计算器 API 进行身份验证,只需在 Authorization 标头中包含您的 bearer token。

标头
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。

(年度计费可节省 2 个月 🎉)

🚀 企业版套餐

起价
$ 10,000/年


  • 自定义数量
  • 自定义速率限制
  • 专业客户支持
  • 实时 API 监控

概览

一个全球可用的抵押贷款和贷款计算器,支持多种货币。涵盖每月还款、完整的摊销计划、可负担能力反向计算、提前还款节省、并排比较、总拥有成本、年百分比率、债务与收入比、印花税估算、再融资盈亏平衡、气球支付、仅付利息期间、贷款合并和双周支付选项。纯数学 - 无外部数据源。传入任何货币代码(美元、英镑、欧元、南非币、澳元等)以便本地化显示。

多币种全球抵押贷款和贷款计算器 API FAQs

不 "货币"字段仅用于显示目的 所有计算都使用您提供的数字,无论您传递哪个货币代码

将年利率作为百分比传递。例如,传递6.5表示6.5%而不是0.065

是的 每个摊销计划的最后一个月余额正好归零

年利率是贷款的名义利率 APR包括前期费用和交易费用 当费用存在时它将总是高于名义利率

ZA代表南非转让税 GB代表英国印花税 AU代表新南威尔士州税率 IE代表爱尔兰 CA代表安大略省土地转让税 美国不支持因为税率因州和县而异

债务收入比在28%或以下是优秀的 最高36%是良好的 最高43%是可接受的 超过43%是高的 大多数贷款机构在该水平会拒绝贷款

每个端点返回包含成功状态、相关计算和元数据的JSON数据。例如,抵押贷款偿还端点返回每月付款、贷款金额、期限和年利率

关键字段包括“success”(布尔值)、“data”(包含计算结果的对象)和“meta”(提供来源、免责声明、货币和缓存状态)。例如,抵押贷款负担能力端点返回“affordableLoanAmount”和“monthlyBudget”

参数因端点而异,但通常包括贷款金额、期限年数、年利率,以及可选字段如付款频率和货币。例如,抵押贷款额外付款端点需要贷款金额、期限年数、年利率和额外月付款

响应数据以JSON格式结构化,其中包含一个表示请求状态的“success”键,一个包含结果的“data”对象,以及一个带有附加信息的“meta”对象。这种结构便于解析和利用结果

每个端点提供特定的财务计算,例如月供、总成本、摊销计划和可负担性评估。例如,贷款比较端点提供两种贷款情景的并排分析

用户可以通过指定参数,如贷款金额、年限和货币,自定义请求。例如,在抵押贷款摘要端点,用户可以输入他们的月预算,以计算可承受的最大贷款金额以及其他指标

典型的用例包括评估抵押贷款的可负担性 比较贷款选项 计算总成本 和评估再融资场景 例如 抵押贷款再融资平衡点帮助用户确定何时再融资变得有利

数据准确性通过基于标准财务原则的数学公式来维持,确保计算结果的一致性 该API不依赖外部数据源,从而最小化输出的可变性

一般常见问题

Zyla API Hub 就像一个大型 API 商店,您可以在一个地方找到数千个 API。我们还为所有 API 提供专门支持和实时监控。注册后,您可以选择要使用的 API。请记住,每个 API 都需要自己的订阅。但如果您订阅多个 API,您将为所有这些 API 使用相同的密钥,使事情变得更简单。
价格以 USD(美元)、EUR(欧元)、CAD(加元)、AUD(澳元)和 GBP(英镑)列出。我们接受所有主要的借记卡和信用卡。我们的支付系统使用最新的安全技术,由 Stripe 提供支持,Stripe 是世界上最可靠的支付公司之一。如果您在使用卡片付款时遇到任何问题,请通过 [email protected]

此外,如果您已经以这些货币中的任何一种(USD、EUR、CAD、AUD、GBP)拥有有效订阅,该货币将保留用于后续订阅。只要您没有任何有效订阅,您可以随时更改货币。
定价页面上显示的本地货币基于您 IP 地址的国家/地区,仅供参考。实际价格以 USD(美元)为单位。当您付款时,即使您在我们的网站上看到以本地货币显示的等值金额,您的卡片对账单上也会以美元显示费用。这意味着您不能直接使用本地货币付款。
有时,银行可能会因其欺诈保护设置而拒绝收费。我们建议您首先联系您的银行,检查他们是否阻止了我们的收费。此外,您可以访问账单门户并更改关联的卡片以进行付款。如果这些方法不起作用并且您需要进一步帮助,请通过 [email protected]
价格由月度或年度订阅决定,具体取决于所选计划。
API 调用根据成功请求从您的计划中扣除。每个计划都包含您每月可以进行的特定数量的调用。只有成功的调用(由状态 200 响应指示)才会计入您的总数。这确保失败或不完整的请求不会影响您的月度配额。
Zyla API Hub 采用月度订阅系统。您的计费周期将从您购买付费计划的那一天开始,并在下个月的同一日期续订。因此,如果您想避免未来的费用,请提前取消订阅。
要升级您当前的订阅计划,只需转到 API 的定价页面并选择您要升级到的计划。升级将立即生效,让您立即享受新计划的功能。请注意,您之前计划中的任何剩余调用都不会转移到新计划,因此在升级时请注意这一点。您将被收取新计划的全部金额。
要检查您本月剩余多少 API 调用,请参考响应标头中的 "X-Zyla-API-Calls-Monthly-Remaining" 字段。例如,如果您的计划允许每月 1,000 个请求,而您已使用 100 个,则响应标头中的此字段将显示 900 个剩余调用。
要查看您的计划允许的最大 API 请求数,请检查 "X-Zyla-RateLimit-Limit" 响应标头。例如,如果您的计划包括每月 1,000 个请求,此标头将显示 1,000。
"X-Zyla-RateLimit-Reset" 标头显示您的速率限制重置之前的秒数。这告诉您何时您的请求计数将重新开始。例如,如果它显示 3,600,则意味着还有 3,600 秒直到限制重置。
是的,您可以随时通过访问您的账户并在账单页面上选择取消选项来取消您的计划。请注意,升级、降级和取消会立即生效。此外,取消后,您将不再有权访问该服务,即使您的配额中还有剩余调用。
为了让您有机会在没有任何承诺的情况下体验我们的 API,我们提供 7 天免费试用,允许您免费进行最多 50 次 API 调用。此试用只能使用一次,因此我们建议将其应用于您最感兴趣的 API。虽然我们的大多数 API 都提供免费试用,但有些可能不提供。试用在 7 天后或您进行了 50 次请求后结束,以先发生者为准。如果您在试用期间达到 50 次请求限制,您需要"开始您的付费计划"以继续发出请求。您可以在个人资料中的订阅 -> 选择您订阅的 API -> 定价标签下找到"开始您的付费计划"按钮。或者,如果您在第 7 天之前不取消订阅,您的免费试用将结束,您的计划将自动计费,授予您访问计划中指定的所有 API 调用的权限。请记住这一点以避免不必要的费用。
7 天后,您将被收取试用期间订阅的计划的全额费用。因此,在试用期结束前取消很重要。因忘记及时取消而提出的退款请求不被接受。
当您订阅 API 免费试用时,您可以进行最多 50 次 API 调用。如果您希望超出此限制进行额外的 API 调用,API 将提示您执行"开始您的付费计划"。您可以在个人资料中的订阅 -> 选择您订阅的 API -> 定价标签下找到"开始您的付费计划"按钮。
付款订单在每月 20 日至 30 日之间处理。如果您在 20 日之前提交请求,您的付款将在此时间范围内处理。
您可以通过我们的聊天渠道联系我们以获得即时帮助。我们始终在线,时间为上午 8 点至下午 5 点(EST)。如果您在该时间之后联系我们,我们将尽快回复您。此外,您可以通过 [email protected]

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