高级全球抵押贷款和贷款计算器 API

API ID 12818

使用APR计算器简化利息计算,帮助您选择最佳贷款选项

API 文档

端点

请求

使用摊销公式计算标准的每月抵押贷款还款。支持可选的双周付款频率(每年26次付款)。请求正文:- loanAmount(必填):本金贷款金额。- termYears(必填):贷款期限(年)。- annualRate(必填):年利率,以百分比表示(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: 25435
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25435/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/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"}'

    
请求
根据月预算、期限和利率逆向计算借款人可以承担的最大贷款金额 申请主体: - 月预算(必填):借款人每月可以偿还的最大金额 - 期限年数(必填):贷款的期限(以年为单位) - 年利率(必填):年利率(以百分比表示) - 货币(可选):将显示的货币标签,默认为美元
Endpoint ID: 25437
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25437/hipoteca+%e2%80%94+asequibilidad
输入参数

抵押贷款 — 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":316421.64,"monthlyBudget":2000,"termYears":30,"annualRate":6.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
抵押贷款 — 可负担性 — 代码片段

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"}'

    
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为零 请求体: - 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: 25439
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25439/mortgage+amortisation+schedule
输入参数

按揭摊销计划 — 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}}
按揭摊销计划 — 代码片段

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"}'

    
请求
模拟在抵押贷款中进行额外每月付款的效果 返回与基本还款计划相比的利息节省和节省的月份 请求主体: - loanAmount(必填):贷款本金金额 - termYears(必填):贷款期限(以年为单位) - annualRate(必填):年利率(以百分比表示) - extraMonthlyPayment(必填):每月额外付款金额,超过标准付款 - currency(可选):显示的货币标签 默认是美元
Endpoint ID: 25441
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25441/hipoteca+-+pago+adicional
输入参数

抵押贷款 - 额外付款 — 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}}
抵押贷款 - 额外付款 — 代码片段

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"}'

    
请求

并排比较两个按揭场景。通过总成本识别更便宜的选项,并返回解释差异的权衡说明。请求体:- scenario1(必填):包含贷款金额、期限年数和年利率的对象。- scenario2(必填):包含贷款金额、期限年数和年利率的对象。- currency(可选):显示货币标签。默认是美元。

Endpoint ID: 25443
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25443/mortgage+comparison
输入参数

房贷比较 — 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}}
房贷比较 — 代码片段

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"}'

    
请求

返回整个抵押贷款期限内支付的总金额和总利息 支持每两周支付一次的付款频率 申请主体: - loanAmount(必填):贷款的本金 - termYears(必填):贷款期限(以年为单位) - annualRate(必填):年利率(以百分比表示) - paymentFrequency(可选):每月(默认)或每两周 - currency(可选):显示的货币标签 默认USD

Endpoint ID: 25445
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25445/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/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"}'

    
请求

单次调用返回每月付款、总成本、总利息和可承受的最大贷款金额的组合。非常适合需要在一次请求中获取多个值的仪表盘式应用程序。请求体:- loanAmount(必填):本金贷款金额。- termYears(必填):贷款期限(年)。- annualRate(必填):年利率,以百分比表示。- monthlyBudget(必填):每月预算,用于计算可承受的贷款金额。- currency(可选):显示货币标签。默认为美元。

Endpoint ID: 25447
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25447/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/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"}'

    
请求

计算在切换到较低利率时,通过每月节省收回再融资交易成本需要多少个月。返回每月节省、盈亏平衡月份计数以及剩余期限内的总净节省。请求正文: - loanAmount(必填):未偿贷款余额。 - termYears(必填):剩余贷款期限(以年为单位)。 - currentRate(必填):当前年利率(以百分比表示)。 - newRate(必填):提议的年利率(必须低于currentRate)。 - closingCosts(必填):前期再融资成本。 - currency(可选):显示货币标签。默认美元。

Endpoint ID: 25448
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25448/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/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"}'

    
请求
计算贷款到期时的总气球支付金额 每月付款少于完全摊销的贷款 返回完整的摊销表,其中气球金额显示在最后一个月 请求主体: - loanAmount(必填):贷款本金金额 - termYears(必填):贷款期限(年) - annualRate(必填):年利率(百分比) - balloonAmount(必填):到期一次性支付的金额。必须小于贷款金额 - currency(可选):显示的货币标签。默认是美元
Endpoint ID: 25450
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25450/pr%c3%a9stamo+hipotecario+-+pago+globo
输入参数

房贷 - 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}}
房贷 - 气球支付 — 代码片段

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"}'

    
请求

计算一个包含仅支付利息期的抵押贷款,随后在剩余期限内进行全面摊销。在仅支付利息期间本金保持不变,导致在全面摊销开始后支付金额增加。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):年利率,以百分比表示。- interestOnlyYears(必填):仅支付利息期的年限。必须少于termYears。- currency(可选):显示货币标签。默认以美元为单位。

Endpoint ID: 25452
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25452/mortgage+interest+only
输入参数

只还利息的抵押贷款 — 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}}
只还利息的抵押贷款 — 代码片段

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"}'

    
请求

使用牛顿-拉夫森迭代法计算包括前期费用和成交成本的真实年百分比利率(APR)当存在费用时APR总是高于名义利率 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(百分比) - fees(必填):总前期费用和成交成本。如果没有则传入0 - currency(可选):显示货币标签。默认为美元

Endpoint ID: 25454
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25454/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/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"}'

    
请求
计算抵押贷款申请的债务收入比率(DTI),并返回四个级别的可负担性评估:优秀(≤28%),好(≤36%),可接受(≤43%)或高(>43%) 申请主体: - grossMonthlyIncome(必填):税前年收入 - monthlyDebts(必填):现有月债务金额,不包括新的抵押贷款。如果没有,请输入0 - loanAmount(必填):贷款金额 - termYears(必填):贷款期限(年) - annualRate(必填):年利率百分比 - currency(可选):显示的货币标签。默认值为美元
Endpoint ID: 25456
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25456/hipoteca+-+proporci%c3%b3n+de+deuda+e+ingresos
输入参数

抵押贷款 - 债务与收入比例 — 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}}
抵押贷款 - 债务与收入比例 — 代码片段

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"}'

    
请求

估算支持国家住宅物业购买的印花税或转让税。首次购房者救济在可用时适用。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: 25458
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25458/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/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"}'

    
请求

使用摊销公式计算标准的每月个人贷款还款。支持可选的每两周支付频率(每年26次付款)。请求正文:- 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)。- 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: 25459
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25459/loan+repayment
输入参数

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":420.04,"loanAmount":20000,"termYears":5,"annualRate":9.5},"meta":{"source":"Formula","disclaimer":"Estimates only. Consult a qualified financial advisor.","currency":"USD","cached":false}}
贷款还款 — 代码片段

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"}'

    
请求

反向计算借款人根据每月预算、期限和利率可以承担的个人贷款的最大金额。申请主体:- 每月预算(必填):借款人可以承担的最高月付款。- 年期限(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):要显示的货币标签。默认值为美元

Endpoint ID: 25461
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25461/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/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"}'

    
请求

返回个人贷款的完整逐月摊还计划 每行显示支付金额 本金部分 利息部分 和剩余余额 最后一个月的余额恰好为零 请求体 - 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: 25464
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25464/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/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"}'

    
请求

模拟对个人贷款进行额外每月支付的效果。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“贷款金额”、“贷款期限(年)”、“年利率”和“额外每月支付”。“货币”字段为可选项,如果未提供,则使用美元。

Endpoint ID: 25466
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25466/loan+extra+payment
输入参数

贷款额外还款 — 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":{"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}}
贷款额外还款 — 代码片段

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"}'

    
请求

比较两个个人贷款的场景并排放置 确定成本总额最低的选项并返回交换注释 请求体: - 场景1(必填):包含 loanAmount、termYears、annualRate 的对象 - 场景2(必填):包含 loanAmount、termYears、annualRate 的对象 - 货币(可选):显示的货币标签 默认是美元

Endpoint ID: 25467
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25467/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/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"}'

    
请求

返回在整个个人贷款期限内支付的总金额和总利息 支持每两周还款频率 请求体: - loanAmount(必填):本金金额 - termYears(必填):贷款期限(年) - annualRate(必填):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USD

Endpoint ID: 25469
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25469/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/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"}'

    
请求

单个调用返回每月付款、总费用、总利息和可承受的最高贷款金额的组合。非常适合仪表盘风格的应用程序。请求正文:- loanAmount(必需):本金贷款金额。- termYears(必需):贷款期限(以年为单位)。- annualRate(必需):年利率(以百分比表示)。- monthlyBudget(必需):用于计算可承担贷款金额的月预算。- currency(可选):显示货币标签。默认是美元。

Endpoint ID: 25472
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25472/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/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"}'

    
请求

将多个现有贷款合并为一个统一贷款,并显示月度节省和新期限内的总节省。请求体:- loans(必需):现有贷款的数组。每个项目需要余额、年利率和月还款额。- newAnnualRate(必需):统一贷款的年利率。- newTermYears(必需):统一贷款的期限(以年为单位)。- currency(可选):显示货币标签。默认为美元。

Endpoint ID: 25474
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25474/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/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"}'

    
请求

计算个人贷款的真实年百分比率(APR),包括初始费用,使用牛顿-拉弗森迭代法。当存在费用时,APR总是高于名义利率。请求体:- 贷款金额(必填):贷款的本金金额。- 期限年数(必填):贷款的期限,以年为单位。- 年利率(必填):年名义利率,以百分比表示。- 费用(必填):初始费用的总额。如果没有费用,则传递0。- 货币(可选):要显示的货币标签。默认值为美元。

Endpoint ID: 25476
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25476/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/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"}'

    
请求

计算个人贷款申请的债务收入比(DTI),并返回四个等级的可承受性评估:优秀(≤28%)、良好(≤36%)、可接受(≤43%)或高(>43%)。请求主体:- grossMonthlyIncome(必填):税前的月收入。- monthlyDebts(必填):现有的每月债务支付,不包括新贷款。如无则传递0。- 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,百分比形式。- currency(可选):显示货币标签。默认为美元。

Endpoint ID: 25478
POST https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25478/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/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"}'

    
请求

返回完整的货币代码、符号和名称列表。在任何其他端点中将任何代码值作为货币参数传递,以在响应中找到显示标签

Endpoint ID: 25480
GET https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25480/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}}
支持的货币信息列表 — 代码片段

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' 


    
请求
返回API状态版本和以秒为单位的正常运行时间使用此来验证服务正在运行然后再进行计算请求
Endpoint ID: 25482
GET https://zylalabs.com/api/12818/advanced+global+mortgage+and+loan+calculator+api/25482/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/12818/advanced+global+mortgage+and+loan+calculator+api/25482/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 高级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

一个全球通用的抵押贷款和贷款计算器,支持多种货币。涵盖月还款、全面摊销计划、可负担性反向计算、提前还款节省、并排比较、总拥有成本、年利率、债务收入比、印花税估算、再融资平衡点、气球支付、仅付利息期、贷款合并和双周付款选项。纯数学 - 无外部数据源。传递任何货币代码(如美元 英镑 欧元 南非兰特 澳元等)以实现本地化显示

高级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 所有计算均使用您提供的数字与您传递的货币代码无关

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恰好归零

年利率是贷款的名义利率 APR包括前期费用和结案成本 当存在费用时 APR总是高于名义利率

南非的转让税使用ZA 英国的印花税使用GB 新南威尔士州的税率使用AU 爱尔兰使用IE 安大略的土地转让税使用CA 美国不支持因为不同州和县的税率不同

DTI在28%或以下是优秀的高达36%是好的高达43%是可接受的超过43%是高的大多数贷款机构在此水平将拒绝

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,按揭偿还端点返回月付款金额、贷款详情和免责声明

关键字段包括“成功”(布尔值)、“数据”(包含计算结果的对象)和“元数据”(额外信息,如货币和免责声明)。例如,抵押贷款可负担性端点返回“负担得起的贷款金额”和“每月预算”

参数因端点而异,但通常包括“贷款金额”“贷款年限”“年利率”和可选的“货币”例如,抵押贷款额外付款端点需要“额外每月付款”以及标准参数

响应数据的结构包含一个顶层的“success”字段,后面是一个“data”对象,包含具体结果,以及一个“meta”对象,用于提供额外的上下文。这种结构便于访问计算结果和相关信息

每个端点提供特定的财务计算,例如月付款、摊销计划、可负担性评估和贷款情景之间的比较。例如,贷款比较端点提供并排成本分析

用户可以通过指定参数来定制请求,比如“paymentFrequency”用于每两周或每月付款,以及“currency”用于本地化显示。这种灵活性允许根据用户需求进行量身定制的计算

典型的使用案例包括评估抵押贷款选项、评估贷款可负担性、模拟额外付款和比较不同的贷款方案。用户可以利用这些数据做出明智的财务决策

该API依赖于纯数学公式进行计算,确保一致的准确性。建议用户咨询财务顾问以获得个性化建议,因为API提供基于输入数据的估算

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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