按揭付款明细API让您能够准确计算并获得贷款每月付款计划的完整细分。在接收到贷款金额、利率和月份等关键参数后,API返回一个每月计划,其中包含结构化信息,包括月份编号、每月总付款、利息部分、用于本金的金额以及剩余贷款余额。这个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自定义信贷模拟的应用程序 该服务还提供汇总信息,例如固定月付款、期末总支付额、产生的总利息和任何已支付的首付款。每个每月计划的元素都清晰分隔,并以货币值表示,方便可视化、分析或集成到报告和仪表板中 简而言之,该API提供任何贷款的摊销周期的专业细分,最大限度地提高清晰度、实用性和金融流程的自动化 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减少,而本金部分如何增加。这对贷方和借款方都很有用,因为它提供了关于贷款财务行为的透明度
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/9137/mortgage+payment+breakdown+api/16524/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、支付的总利息和首付款细节等汇总信息
响应中的关键字段包括月份编号、每月总付款、利息部分、应用的本金金额和剩余余额。每个字段都被清晰定义,以便于理解和分析
响应数据采用表格格式结构化,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,使得阅读和解释摊还计划变得简单
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还款计划
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集成到财务报告、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的推移从利息转向本金
典型的使用案例包括财务规划 贷款比较 贷款计算器以及集成到银行应用程序中 详细的摊销计划帮助贷款方和借款方理解贷款动态
数据准确性通过基于标准摊销公式的严格计算得以保持 该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
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