{"uid":"cap_ljq7hiTT3ZJN9srbHZWZQ","slug":"mart402-japanese-mortgage-schedule-calculator-eaf4a0b0","name":"Mart402 Japanese Mortgage Schedule Calculator","description":"Mortgage schedules: level-payment/level-principal, total interest, prepayment effect (term-reduction or payment-reduction). Deterministic annuity math. $0.005/call.","url":"https://mart402.com/v1/jp-mortgage?utm_source=zero.xyz","method":"POST","headers":{},"bodySchema":{"type":"object","properties":{"months":{"type":"number"},"annual_rate":{"type":"number"},"principal_yen":{"type":"number"}}},"responseSchema":null,"example":null,"exampleRequest":null,"tags":["x402"],"displayCostAmount":"0.005","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":"$0.005/call","primary":{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"},"accepted":[{"kind":"static","protocol":"x402","network":"base","amountUsd":"0.005","per":"call","confidence":"exact"}]},"paymentMethods":[{"uid":"pm_lU__SJD82XVWQ49AeGir0","protocol":"x402","methodType":"crypto","chain":"base","mode":"charge","costAmount":"0.005","costPer":"request","priority":0,"asset":"0x833589fCD6eDb6E08f4c7C32D4f71b54bdA02913","unit":"request","depositMicros":null,"planRef":null}],"brandName":null,"brandSlug":null,"brandBaseUrl":null,"brandDocsUrl":null,"whatItDoes":"Computes level-payment and level-principal mortgage amortization schedules, total interest, and prepayment effects for Japanese yen-denominated loans using deterministic annuity math.","exampleAgentPrompt":"Can you calculate the full amortization schedule for a Japanese mortgage — 30 million yen principal, 1.2% annual rate, over 360 months — and show me both the level-payment breakdown and total interest?","exampleUseCases":[{"title":"Home purchase mortgage planning","prompt":"I'm buying a house in Japan for 40 million yen and the bank is offering 1.5% annual interest over 35 years (420 months). Can you show me the monthly payment schedule under the level-payment method and tell me how much total interest I'll end up paying?"},{"title":"Prepayment impact analysis","prompt":"I have a Japanese mortgage of 25 million yen at 0.9% annual rate with 300 months remaining — if I make a lump-sum prepayment, can you calculate how much it would shorten my loan term versus how much it would reduce my monthly payment?"},{"title":"Level-principal vs level-payment comparison","prompt":"Can you run the amortization math for a 20 million yen Japanese mortgage at 1.8% annual interest over 240 months and show me both the level-payment and level-principal schedules so I can compare total interest costs?"}],"resultDescription":"Returns a structured amortization schedule with month-by-month payment breakdowns (principal vs interest components), total interest paid over the loan life, and analysis of prepayment effects showing either term reduction or payment reduction depending on the chosen method. Uses exact annuity mathematics — fully deterministic with no AI estimation.","failureModes":["Missing required fields (months, annual_rate, principal_yen) return validation errors","Non-positive or zero values for principal or rate may cause computation errors","Extremely short loan terms or unusually high rates may produce edge-case outputs","Payment failure or insufficient USDC balance prevents call execution"],"whenToPreferThis":"Choose this endpoint when you need deterministic, exact amortization math for Japanese yen-denominated mortgages — specifically when you require level-payment vs level-principal comparison, total interest computation, or prepayment scenario analysis. Prefer it over general-purpose financial calculators when working in the Japanese mortgage context (yen-denominated, Japanese lending conventions). Ideal for real estate agents, personal finance agents, or loan advisory workflows where precision and reproducibility matter.","instructions":null,"reviewSummary":null,"reviewSummaryHighlights":null,"reviewSummaryConcerns":null,"reviewSummaryGeneratedAt":null,"activationCount":0,"lastUsedAt":null,"lastSuccessfullyRanAt":null,"lastHealthCheckAt":"2026-10-03T00:34:23.460Z","isFirstParty":false,"canonicalSlug":"mart402-japanese-mortgage-schedule-calculator-eaf4a0b0"}