{"uid":"cap_6kv1EP8qHivrU9DxGeA_K","slug":"vextorium-french-amortization-loan-calculator-8411a596","name":"Vextorium French Amortization Loan Calculator","description":"Loan or mortgage with French amortization (fixed installment): monthly payment, total paid, total interest, approximate APR (TAE) including fees, and a yearly or monthly amortization schedule.","url":"https://api.vextorium.com/calculadora-prestamo-pago?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"capital":{"type":"number","description":"Amount borrowed"},"detalle":{"enum":["anual","mensual","ninguno"],"type":"string","description":"Schedule detail"},"comisiones":{"type":"number","description":"Upfront fees, used for the APR (optional)"},"plazo_meses":{"type":"integer","description":"Term in months (1-600)"},"interes_anual_pct":{"type":"number","description":"Nominal annual interest rate, %"}}},"responseSchema":{"type":"json","example":{"nota":"Sistema francés (cuota constante). Cálculo orientativo; no incluye seguros ni vinculaciones.","cuadro":[{"hasta_mes":12,"pendiente":145908.24,"intereses_pagados":4444.04,"capital_amortizado":4091.76},{"hasta_mes":24,"pendiente":141692.02,"intereses_pagados":4319.59,"capital_amortizado":4216.22}],"capital":150000,"comisiones":1500,"plazo_meses":300,"total_pagado":213395.09,"cuota_mensual":711.32,"tae_aprox_pct":3.136,"intereses_totales":63395.09,"interes_nominal_pct":3}},"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.004","displayCostAsset":"USDC","priceDynamic":false,"priceHint":null,"priceStatus":"priced","priceSource":"probe","requiresHandshake":false,"reviewCount":0,"rating":{"score":"0.00","successRate":"0.00","reviews":0,"stars":null,"state":"unrated"},"availabilityStatus":"unknown","priceObserved":null,"sessionDeposit":null,"pricing":{"kind":"static","summary":"$0.004/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.004","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_JxvzjNTZ_jZb6WqjxB5F7","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.004","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Calculates monthly payment, total cost, total interest, approximate APR (TAE), and a full amortization schedule for a fixed-installment (French method) loan or mortgage.","exampleAgentPrompt":"Can you calculate the monthly payment, total interest, and full yearly amortization schedule for a €150,000 mortgage at 3% annual interest over 25 years (300 months), with €1,500 in upfront fees — I need the approximate APR too?","exampleUseCases":[{"title":"First-time homebuyer mortgage estimate","prompt":"I'm looking at a €200,000 mortgage at 3.5% annual interest over 30 years (360 months) with €2,000 in setup fees — can you tell me what my monthly payment would be, total interest I'd pay, and give me the APR including those fees?"},{"title":"Personal loan total cost comparison","prompt":"Can you work out the total cost of a €15,000 personal loan at 8% annual interest over 5 years (60 months)? I want to see the monthly payment, total interest, and a monthly breakdown of what goes to principal vs interest."},{"title":"Car loan affordability check","prompt":"I'm financing a €25,000 car with a 4.9% annual rate over 48 months and a €500 dealer fee — what will my fixed monthly payment be, and what's the effective APR with that fee included?"}],"resultDescription":"Returns a JSON object with: monthly fixed payment (cuota_mensual), total amount paid (total_pagado), total interest (intereses_totales), nominal annual interest rate, approximate APR including fees (tae_aprox_pct), original capital, fees, term in months, an optional note, and an amortization schedule (cuadro) as an array of yearly or monthly rows each showing cumulative interest paid, capital amortized, and remaining balance.","failureModes":["Missing required fields (capital, interes_anual_pct, plazo_meses) returns an error","Term out of range (must be 1–600 months) may return validation error","Negative or zero capital/interest values may produce invalid results","Non-numeric inputs cause schema validation failure","Very high interest rates may produce extreme but mathematically valid outputs"],"whenToPreferThis":"Choose this endpoint when you need a precise French-method (constant installment) amortization calculation — including APR/TAE estimation with upfront fees — for a loan or mortgage. It returns a structured amortization schedule suitable for financial planning, comparison, or display. Prefer this over generic finance calculators when you need the Spanish/European TAE (APR) approximation with fees factored in, or when you need a yearly or monthly payment-by-payment breakdown.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-29T12:52:04.847Z","isFirstParty":false,"canonicalSlug":"vextorium-french-amortization-loan-calculator-8411a596"}