SA财务计算器 API

API ID 12762

一套全面的南非金融计算器,涵盖债券和房地产成本、车辆融资、PAYE税、增值税、退休一次性款项、个人贷款和通货膨胀。所有货币值以南非兰特(ZAR)表示。覆盖债券、车辆、税务和个人财务模块中的25个端点。数据来源于南非税务局、土地保护委员会、政府公报、南非储备银行和南非统计局。

187 ms 平均响应

API 文档

端点

请求
返回API当前的健康状态,包括版本号、以秒为单位的运行时间和环境。在进行计算请求之前,请使用此端点检查API是否处于活动状态
Endpoint ID: 24863
GET https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24863/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
{"success":true,"data":{"version":"1.0.0","uptime_seconds":137620,"environment":"production"}}
健康检查 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24863/health+check' --header 'Authorization: Bearer YOUR_API_KEY' 


    
请求

计算南非房屋贷款的每月还款额、总还款额和总利息,使用标准摊销方式。返回完整的详细信息,包括本金、首付款、贷款期限和利率。请求体:- property_price(必需):以兰特为单位的房产购买价格。- deposit(可选):以兰特为单位的首付款金额。如未提供,则默认为0。- term_years(必需):贷款期限,以年为单位。例如:20。- annual_interest_rate(必需):以百分比表示的年利率。例如:10.25。

Endpoint ID: 24864
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24864/bond+repayment+calculator
输入参数

债券还款计算器 — 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":{"monthly_repayment":17669.58,"principal":1800000,"deposit":200000,"property_price":2000000,"total_repayment":4240699.2,"total_interest":2440699.2,"term_months":240,"term_years":20,"annual_interest_rate":10.25},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
债券还款计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24864/bond+repayment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000,
  "term_years": 20,
  "annual_interest_rate": 10.25
}'

    
请求

根据总月收入计算买家可以承受的最大房产价格 使用南非银行应用的标准30%负担能力比率 返回最大房产价格 最大贷款金额和最大月还款 请求体: - gross_monthly_income(必填):扣除前的总月收入(以兰特为单位) - deposit(选填):可用的存款金额(以兰特为单位) 如果未提供则默认为0 - term_years(必填):贷款期限(以年为单位) 示例:20 - annual_interest_rate(必填):年利率(单位:百分比) 示例:10.25

Endpoint ID: 24865
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24865/bond+affordability+calculator
输入参数

债券可负担性计算器 — 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":{"max_property_price":1628049.82,"max_loan_amount":1528049.82,"max_monthly_repayment":15000,"deposit":100000,"gross_monthly_income":50000,"affordability_ratio":0.3,"term_years":20,"annual_interest_rate":10.25},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Max monthly repayment is capped at 30% of gross monthly income. Individual banks may apply stricter qualifying criteria and will assess net income, existing debt, and credit profile."}}
债券可负担性计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24865/bond+affordability+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "gross_monthly_income": 50000,
  "deposit": 100000,
  "term_years": 20,
  "annual_interest_rate": 10.25
}'

    
请求
计算在南非转让财产的总成本包括南非税务局的转让税根据现行的分级系统律师转让费也称为契约费基于律师协会的指导费房地产登记处的转让费官方公报费用和杂费
Endpoint ID: 24866
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24866/bond+transfer+costs+calculator
输入参数

转让定价计算器 — 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":{"property_price":2000000,"transfer_duty":33786,"transfer_attorney_fee":{"also_known_as":"conveyancing fee","amount":40963,"is_estimate":true},"deeds_office_transfer_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"total_transfer_costs":78289},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Attorney fee includes VAT at 15% and is a guideline estimate — actual fee varies by firm. Disbursements are indicative."}}
转让定价计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24866/bond+transfer+costs+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000
}'

    
请求

计算在南非注册新抵押贷款的费用。包括根据LPC指导费率计算的抵押贷款注册律师费用、来自政府公报的契约办公室注册费、申请费和支出。根据抵押贷款金额计算,而不是购买价格。请求体:- bond_amount(必需):以南非兰特为单位的贷款金额。这是抵押贷款金额,而不是物业购买价格。

Endpoint ID: 24867
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24867/bond+registration+costs+calculator
输入参数

债券登记费用计算器 — 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":{"bond_amount":1800000,"bond_registration_attorney_fee":{"amount":38605.5,"is_estimate":true},"deeds_office_registration_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"total_registration_costs":42145.5},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Attorney fee includes VAT at 15% and is a guideline estimate — actual fee varies by firm. Disbursements are indicative."}}
债券登记费用计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24867/bond+registration+costs+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "bond_amount": 1800000
}'

    
请求

计算通过在标准还款基础上额外支付每月款项,可以节省多少利息以及减少多少个月的贷款期限。返回节省的月份、节省的年份、原始总利息、新的总利息和总利息节省。请求体:- property_price(必填):以兰特为单位的房产购买价格。- deposit(选填):以兰特为单位的存款金额。如果未提供,默认为0。- term_years(必填):原始贷款期限(以年为单位)。示例:20。- annual_interest_rate(必填):年利率(以百分比表示)。示例:10.25。- extra_monthly_payment(必填):在标准还款基础上额外支付的每月金额(以兰特为单位)。

Endpoint ID: 24868
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24868/bond+extra+payment+calculator
输入参数

债券额外支付计算器 — 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":{"standard_monthly_repayment":17669.58,"extra_monthly_payment":2000,"new_monthly_repayment":19669.58,"original_term_months":240,"new_term_months":179,"months_saved":61,"years_saved":5.1,"original_total_interest":2440699.2,"new_total_interest":1719136.68,"interest_saved":721562.52},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
债券额外支付计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24868/bond+extra+payment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000,
  "term_years": 20,
  "annual_interest_rate": 10.25,
  "extra_monthly_payment": 2000
}'

    
请求

返回南非购房的完整成本明细。将转让费用、产权登记费用和房产价格合并为一个总的购置成本。显示转让日所需的最低现金,包括定金和所有费用。请求体:- property_price(必填):房产的购买价格以兰特计。- deposit(可选):定金金额以兰特计。如果未提供,则默认为0。如果定金等于或超过房产价格,则不计入产权登记费用。

Endpoint ID: 24869
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24869/bond+total+purchase+cost+calculator
输入参数

债券总购买成本计算器 — 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":{"property_price":2000000,"deposit":200000,"bond_amount":1800000,"transfer_costs":{"transfer_duty":33786,"transfer_attorney_fee":{"also_known_as":"conveyancing fee","amount":40963,"is_estimate":true},"deeds_office_transfer_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"subtotal":78289},"registration_costs":{"bond_registration_attorney_fee":{"amount":38605.5,"is_estimate":true},"deeds_office_registration_fee":{"amount":1738,"is_estimate":true},"lodgement_fee":52,"disbursements":{"amount":1750,"is_estimate":true},"subtotal":42145.5},"total_fees":120434.5,"total_cash_required":320434.5,"total_acquisition_cost":2120434.5},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false,"notes":"Attorney fees include VAT at 15%. All fee line items are guideline estimates — actual amounts vary by firm and transaction. total_cash_required is the minimum cash needed on transfer day (deposit + all fees)."}}
债券总购买成本计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24869/bond+total+purchase+cost+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000
}'

    
请求

返回南非住房贷款的完整逐月摊销计划。每个条目显示每个月贷款期限的付款金额、本金部分、利息部分和剩余余额。包括总付款、总本金和总利息的汇总。请求正文:- property_price(必需):以兰特为单位的房产购置价格。- deposit(可选):以兰特为单位的押金金额。如果未提供,则默认为0。- term_years(必需):贷款年限。示例:20。- annual_interest_rate(必需):年利率百分比。示例:10.25。

Endpoint ID: 24870
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24870/bond+amortisation+schedule
输入参数

债券摊销计划 — 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":{"schedule":[{"month":1,"payment":38466.47,"principal":23091.47,"interest":15375,"balance":1776908.53},{"month":2,"payment":38466.47,"principal":23288.71,"interest":15177.76,"balance":1753619.82},{"month":3,"payment":38466.47,"principal":23487.63,"interest":14978.84,"balance":1730132.19},{"month":4,"payment":38466.47,"principal":23688.26,"interest":14778.21,"balance":1706443.93},{"month":5,"payment":38466.47,"principal":23890.59,"interest":14575.88,"balance":1682553.34},{"month":6,"payment":38466.47,"principal":24094.66,"interest":14371.81,"balance":1658458.68},{"month":7,"payment":38466.47,"principal":24300.47,"interest":14166,"balance":1634158.21},{"month":8,"payment":38466.47,"principal":24508.04,"interest":13958.43,"balance":1609650.17},{"month":9,"payment":38466.47,"principal":24717.37,"interest":13749.1,"balance":1584932.8},{"month":10,"payment":38466.47,"principal":24928.5,"interest":13537.97,"balance":1560004.3},{"month":11,"payment":38466.47,"principal":25141.43,"interest":13325.04,"balance":1534862.87},{"month":12,"payment":38466.47,"principal":25356.18,"interest":13110.29,"balance":1509506.69},{"month":13,"payment":38466.47,"principal":25572.77,"interest":12893.7,"balance":1483933.92},{"month":14,"payment":38466.47,"principal":25791.2,"interest":12675.27,"balance":1458142.72},{"month":15,"payment":38466.47,"principal":26011.5,"interest":12454.97,"balance":1432131.22},{"month":16,"payment":38466.47,"principal":26233.68,"interest":12232.79,"balance":1405897.54},{"month":17,"payment":38466.47,"principal":26457.76,"interest":12008.71,"balance":1379439.78},{"month":18,"payment":38466.47,"principal":26683.76,"interest":11782.71,"balance":1352756.02},{"month":19,"payment":38466.47,"principal":26911.68,"interest":11554.79,"balance":1325844.34},{"month":20,"payment":38466.47,"principal":27141.55,"interest":11324.92,"balance":1298702.79},{"month":21,"payment":38466.47,"principal":27373.38,"interest":11093.09,"balance":1271329.41},{"month":22,"payment":38466.47,"principal":27607.2,"interest":10859.27,"balance":1243722.21},{"month":23,"payment":38466.47,"principal":27843.01,"interest":10623.46,"balance":1215879.2},{"month":24,"payment":38466.47,"principal":28080.84,"interest":10385.63,"balance":1187798.36},{"month":25,"payment":38466.47,"principal":28320.69,"interest":10145.78,"balance":1159477.67},{"month":26,"payment":38466.47,"principal":28562.6,"interest":9903.87,"balance":1130915.07},{"month":27,"payment":38466.47,"principal":28806.57,"interest":9659.9,"balance":1102108.5},{"month":28,"payment":38466.47,"principal":29052.63,"interest":9413.84,"balance":1073055.87},{"month":29,"payment":38466.47,"principal":29300.78,"interest":9165.69,"balance":1043755.09},{"month":30,"payment":38466.47,"principal":29551.06,"interest":8915.41,"balance":1014204.03},{"month":31,"payment":38466.47,"principal":29803.48,"interest":8662.99,"balance":984400.55},{"month":32,"payment":38466.47,"principal":30058.05,"interest":8408.42,"balance":954342.5},{"month":33,"payment":38466.47,"principal":30314.79,"interest":8151.68,"balance":924027.71},{"month":34,"payment":38466.47,"principal":30573.73,"interest":7892.74,"balance":893453.98},{"month":35,"payment":38466.47,"principal":30834.88,"interest":7631.59,"balance":862619.1},{"month":36,"payment":38466.47,"principal":31098.27,"interest":7368.2,"balance":831520.83},{"month":37,"payment":38466.47,"principal":31363.9,"interest":7102.57,"balance":800156.93},{"month":38,"payment":38466.47,"principal":31631.8,"interest":6834.67,"balance":768525.13},{"month":39,"payment":38466.47,"principal":31901.98,"interest":6564.49,"balance":736623.15},{"month":40,"payment":38466.47,"principal":32174.48,"interest":6291.99,"balance":704448.67},{"month":41,"payment":38466.47,"principal":32449.3,"interest":6017.17,"balance":671999.37},{"month":42,"payment":38466.47,"principal":32726.48,"interest":5739.99,"balance":639272.89},{"month":43,"payment":38466.47,"principal":33006.01,"interest":5460.46,"balance":606266.88},{"month":44,"payment":38466.47,"principal":33287.94,"interest":5178.53,"balance":572978.94},{"month":45,"payment":38466.47,"principal":33572.27,"interest":4894.2,"balance":539406.67},{"month":46,"payment":38466.47,"principal":33859.04,"interest":4607.43,"balance":505547.63},{"month":47,"payment":38466.47,"principal":34148.25,"interest":4318.22,"balance":471399.38},{"month":48,"payment":38466.47,"principal":34439.93,"interest":4026.54,"balance":436959.45},{"month":49,"payment":38466.47,"principal":34734.11,"interest":3732.36,"balance":402225.34},{"month":50,"payment":38466.47,"principal":35030.8,"interest":3435.67,"balance":367194.54},{"month":51,"payment":38466.47,"principal":35330.02,"interest":3136.45,"balance":331864.52},{"month":52,"payment":38466.47,"principal":35631.79,"interest":2834.68,"balance":296232.73},{"month":53,"payment":38466.47,"principal":35936.15,"interest":2530.32,"balance":260296.58},{"month":54,"payment":38466.47,"principal":36243.1,"interest":2223.37,"balance":224053.48},{"month":55,"payment":38466.47,"principal":36552.68,"interest":1913.79,"balance":187500.8},{"month":56,"payment":38466.47,"principal":36864.9,"interest":1601.57,"balance":150635.9},{"month":57,"payment":38466.47,"principal":37179.79,"interest":1286.68,"balance":113456.11},{"month":58,"payment":38466.47,"principal":37497.37,"interest":969.1,"balance":75958.74},{"month":59,"payment":38466.47,"principal":37817.66,"interest":648.81,"balance":38141.08},{"month":60,"payment":38466.87,"principal":38141.08,"interest":325.79,"balance":0}],"summary":{"total_payments":2307988.6,"total_principal":1800000,"total_interest":507988.6}},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
债券摊销计划 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24870/bond+amortisation+schedule' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "property_price": 2000000,
  "deposit": 200000,
  "term_years": 5,
  "annual_interest_rate": 10.25
}'

    
请求
比较两个南非住房贷款场景,并排显示 返回每种支付的分解和结构化比较 显示哪个选择总体上更便宜 总的利息节省 每月支付的差异 以及当总体上更便宜的选项每月支付更高时的承诺说明 请求体: - bond_a(必填):第一个抵押贷款场景的对象 包含价格_房产 存款(可选) 期限_年 和 年利率 - bond_b(必填):第二个抵押贷款场景的对象 包含价格_房产 存款(可选) 期限_年 和 年利率
Endpoint ID: 24871
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24871/bond+comparison+calculator
输入参数

标题比较计算器 — 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":{"bond_a":{"property_price":2000000,"deposit":200000,"principal":1800000,"term_years":20,"annual_interest_rate":10.25,"monthly_repayment":17669.58,"total_repayment":4240699.2,"total_interest":2440699.2},"bond_b":{"property_price":2000000,"deposit":200000,"principal":1800000,"term_years":15,"annual_interest_rate":10.25,"monthly_repayment":19619.12,"total_repayment":3531441.6,"total_interest":1731441.6},"comparison":{"cheaper_option":"bond_b","total_saving":709257.6,"monthly_difference":1949.54,"note":"Bond B costs less overall but has higher monthly repayments. Bond A is cheaper month-to-month but costs more in total interest."}},"meta":{"tax_year":"2026/27","disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
标题比较计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24871/bond+comparison+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "bond_a": {
    "property_price": 2000000,
    "deposit": 200000,
    "term_years": 20,
    "annual_interest_rate": 10.25
  },
  "bond_b": {
    "property_price": 2000000,
    "deposit": 200000,
    "term_years": 15,
    "annual_interest_rate": 10.25
  }
}'

    
请求
返回南非储备银行发布的当前南非主要贷款利率 该利率每天被抓取并持久化到数据库 如果实时抓取失败,则返回最后一个成功持久化的值 响应包括抓取时间戳和一个回退标志,指示是否使用了缓存或配置值 不需要参数
Endpoint ID: 24872
GET https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24872/sarb+prime+lending+rate
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":{"prime_rate":10.25,"scraped_at":"2026-05-29T08:41:39.201Z","fallback":false},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any property or financial decisions.","cached":false}}
南非储备银行基准贷款利率 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24872/sarb+prime+lending+rate' --header 'Authorization: Bearer YOUR_API_KEY' 


    
请求

计算南非车辆融资协议的每月汽车贷款还款金额 支持可选的气球付款 如果指定了气球付款,它将从每月还款计算中排除,但仍作为一次性总额在期限结束时到期 应答中包含警告字段,任何时候存在气球付款时 请求体: - vehicle_price(必填):车辆的购买价格(以南非兰特为单位) - deposit(可选):押金金额(以南非兰特为单位) 如果未提供,则默认为0 - term_months(必填):贷款期限(以月份为单位) 示例:72 - annual_interest_rate(必填):年利率(百分比) 示例:11.5 - balloon_payment(可选):气球付款金额(以南非兰特为单位) 如果未提供,则默认为0

Endpoint ID: 24873
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24873/vehicle+repayment+calculator
输入参数

车辆还款计算器 — 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":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"monthly_repayment":7952.93,"term_months":72,"annual_interest_rate":11.5,"balloon_payment":75000,"warning":"Balloon amount of R75 000,00 is still owed at end of term and is not included in monthly repayment"},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false}}
车辆还款计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24873/vehicle+repayment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "vehicle_price": 500000,
  "deposit": 50000,
  "term_months": 72,
  "annual_interest_rate": 11.5,
  "balloon_payment": 75000
}'

    
请求
计算买家根据每月预算可以支付的车辆最高价格 支持可选的气球支付 不包括保险 许可或燃料等额外所有权成本 请求主体: - 每月预算(必填):每月最高还款预算(兰特) - 存款(可选):可用的存款金额(兰特)如果未提供,默认为0 - 贷款期限(必填):贷款期限(以月为单位)例如72 - 年利率(必填):年利率(以百分比表示)例如11.5 - 气球支付(可选):气球支付金额(兰特)如果未提供,默认为0
Endpoint ID: 24874
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24874/vehicle+affordability+calculator
输入参数

车辆无障碍计算器 — 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":{"max_vehicle_price":464697.8,"max_loan_amount":414697.8,"monthly_budget":8000,"deposit":50000,"term_months":72,"annual_interest_rate":11.5},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false,"notes":"Max vehicle price is the maximum that can be financed at the given monthly budget. Additional costs (insurance, licensing, fuel) are not included."}}
车辆无障碍计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24874/vehicle+affordability+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "monthly_budget": 8000,
  "deposit": 50000,
  "term_months": 72,
  "annual_interest_rate": 11.5
}'

    
请求

计算在南非拥有融资车辆的总成本包括所有每月还款总利息支付以及如果适用的气球付款总利息仅针对摊销部分计算气球付款作为递延本金单独列出请求体:- vehicle_price(必填):车辆的购买价格以兰特计- deposit(可选):押金金额以兰特计如果未提供则默认为0- term_months(必填):贷款期限(以月为单位)例如:72- annual_interest_rate(必填):年利率(以百分比表示)例如:11.5- balloon_payment(可选):气球付款金额以兰特计如果未提供则默认为0

Endpoint ID: 24875
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24875/vehicle+total+cost+of+ownership
输入参数

车辆总拥有成本 — 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":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"monthly_repayment":8681.02,"term_months":72,"annual_interest_rate":11.5,"total_repayments":625033.44,"total_interest":175033.44,"total_cost_of_ownership":675033.44},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false,"notes":"total_interest reflects the financing cost on the amortised portion only. balloon_payment is deferred principal and is surfaced separately. total_cost_of_ownership = deposit + total_repayments + balloon_payment."}}
车辆总拥有成本 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24875/vehicle+total+cost+of+ownership' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "vehicle_price": 500000,
  "deposit": 50000,
  "term_months": 72,
  "annual_interest_rate": 11.5
}'

    
请求

并排比较两个南非车辆融资方案。返回还款明细以及结构化比较,显示哪个选项在总拥有成本、总节省、月付款差异和适用的权衡说明方面更便宜。支持任一车辆的可选气球付款。请求体:- vehicle_a(必填):第一个车辆方案对象,包括车辆价格、存款(可选)、期限月份、年利率和气球付款(可选)。- vehicle_b(必填):第二个车辆方案对象,包括车辆价格、存款(可选)、期限月份、年利率和气球付款(可选)。

Endpoint ID: 24876
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24876/vehicle+comparison+calculator
输入参数

车辆比较计算器 — 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":{"vehicle_a":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"term_months":72,"annual_interest_rate":11.5,"monthly_repayment":8681.02,"total_repayments":625033.44,"total_interest":175033.44,"total_cost_of_ownership":675033.44},"vehicle_b":{"vehicle_price":500000,"deposit":50000,"loan_amount":450000,"term_months":60,"annual_interest_rate":11.5,"monthly_repayment":9896.67,"total_repayments":593800.2,"total_interest":143800.2,"total_cost_of_ownership":643800.2},"comparison":{"cheaper_option":"vehicle_b","total_saving":31233.24,"monthly_difference":1215.65,"note":"Vehicle B costs less overall but has higher monthly repayments. Vehicle A is cheaper month-to-month but costs more in total."}},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any vehicle finance decisions.","cached":false}}
车辆比较计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24876/vehicle+comparison+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "vehicle_a": {
    "vehicle_price": 500000,
    "deposit": 50000,
    "term_months": 72,
    "annual_interest_rate": 11.5
  },
  "vehicle_b": {
    "vehicle_price": 500000,
    "deposit": 50000,
    "term_months": 60,
    "annual_interest_rate": 11.5
  }
}'

    
请求

计算2026/27税年的南非全额PAYE所得税、失业保险金、技能开发基金和医疗补助税收抵免。返回员工和雇主缴款的每月和每年明细。年龄决定适用哪个抵免,医疗补助成员决定每月的税收抵免扣除。请求主体: - annual_income(必填):扣除前的年度总收入(以南非兰特为单位) - age(必填):纳税人年龄。决定适用初级、次级(65岁及以上)或三级(75岁及以上)抵免。 - medical_aid_members(可选):包括主成员在内的医疗补助成员总数。如果未提供,则默认为0。

Endpoint ID: 24877
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24877/paye+income+tax+calculator
输入参数

PAYE所得税计算器 — 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":{"annual_income":480000,"monthly_income":40000,"tax_year":"2026/27","gross_income_tax":{"annual":110037,"monthly":9169.75},"rebate":{"primary":17820,"secondary":0,"tertiary":0,"total":17820},"income_tax":{"annual":80145,"monthly":6678.75},"uif":{"employee_monthly":177.12,"employer_monthly":177.12,"ceiling_applied":true},"sdl":{"monthly":400,"note":"Employer levy — not deducted from employee salary. Payable only if employer annual payroll exceeds R500,000."},"effective_tax_rate":0.167,"net_monthly_income":33144.13,"medical_aid_tax_credit":{"members":3,"monthly":1006,"annual":12072}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"PAYE calculated on gross annual income before any other deductions (e.g. pension, retirement annuity). Net monthly income reflects salary after income tax and employee UIF contribution only."}}
PAYE所得税计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24877/paye+income+tax+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "annual_income": 480000,
  "age": 35,
  "medical_aid_members": 3
}'

    
请求
计算南非员工的净工资 在扣除所得税和失业保险基金后返回净月工资 输出比完整的PAYE API更简单,旨在快速计算工资,而无需完全分解税务 不包括其他扣除项,如养老金、退休金年金或医疗援助奖励 请求主体: - 年收入(必填):扣除前的以兰特计的年毛收入 - 年龄(必填):纳税人的年龄 确定适用的折扣 - 医疗计划成员(可选):医疗计划的总成员数 如果未提供,则默认为0
Endpoint ID: 24878
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24878/net+salary+calculator
输入参数

净工资计算器 — 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":{"gross_monthly":40000,"tax_monthly":6678.75,"uif_monthly":177.12,"net_monthly":33144.13},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Take-home pay after income tax and employee UIF contribution only. No other deductions (pension, retirement annuity, medical aid premium) are applied."}}
净工资计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24878/net+salary+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "annual_income": 480000,
  "age": 35,
  "medical_aid_members": 3
}'

    
请求

使用SARS平均法计算年度奖金应缴税款。奖金的税款计算为总收入加奖金的税款减去仅收入的税款。返回税后净奖金和有效的奖金税率。请求体: - annual_income(必填):奖金前的年度总收入,单位为南非兰德。 - bonus_amount(必填):奖金金额,单位为南非兰德。 - age(必填):纳税人年龄。确定适用的减免。 - medical_aid_members(可选):医疗援助成员的总数。如果未提供则默认为0。

Endpoint ID: 24879
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24879/annual+bonus+tax+calculator
输入参数

年度奖金税计算器 — 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":{"bonus_amount":50000,"tax_on_bonus":15500,"net_bonus":34500,"effective_bonus_tax_rate":0.31},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Tax on bonus uses the SARS averaging method: tax on (annual income + bonus) minus tax on annual income. Result may differ if employer uses a different method or if other deductions apply."}}
年度奖金税计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24879/annual+bonus+tax+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "annual_income": 480000,
  "bonus_amount": 50000,
  "age": 35
}'

    
请求
返回南非的所得税等级 折扣 税务限额和医疗援助税收抵免针对特定财政年度 可用的年份是2023 2024 2025和2026 如果请求的年份不可用 则响应中包含可用年份的列表 查询参数: - 年(必填):要检索的财政年度 使用财政年度结束的年份 示例:2026用于财政年度2026/27 从2026年3月1日到2027年2月28日
Endpoint ID: 24880
GET https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24880/tax+brackets+by+year
输入参数

剩余免费测试请求:3 / 3。


输入参数

此端点不需要任何输入参数。

API 示例响应
JSON
{"success":true,"data":{"tax_year":"2026/27","effective_date":"2026-03-01","income_tax_brackets":[{"from":0,"to":245100,"threshold":0,"base_tax":0,"rate":0.18},{"from":245101,"to":383100,"threshold":245100,"base_tax":44118,"rate":0.26},{"from":383101,"to":530200,"threshold":383100,"base_tax":79998,"rate":0.31},{"from":530201,"to":695800,"threshold":530200,"base_tax":125599,"rate":0.36},{"from":695801,"to":887000,"threshold":695800,"base_tax":185215,"rate":0.39},{"from":887001,"to":1878600,"threshold":887000,"base_tax":259783,"rate":0.41},{"from":1878601,"to":null,"threshold":1878600,"base_tax":666339,"rate":0.45}],"rebates":{"primary":17820,"secondary":9765,"tertiary":3249},"tax_thresholds":{"under_65":99000,"age_65_to_74":153250,"age_75_and_over":171300},"medical_aid_tax_credits":{"main_member_monthly":376,"first_dependant_monthly":376,"additional_dependant_monthly":254}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false}}
按年税率区间 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24880/tax+brackets+by+year' --header 'Authorization: Bearer YOUR_API_KEY' 


    
请求
返回当前南非税率,包括增值税率和百分比,失业保险基金员工和雇主的缴纳比例,失业保险基金的月度和年度报酬上限,技能发展税率以及技能发展税年度工资单免税阈值。 这些税率是立法规定的,通常很少改变
Endpoint ID: 24881
GET https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24881/current+tax+rates
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":{"vat":{"rate":0.15,"percentage":15},"uif":{"employee_rate":0.01,"employer_rate":0.01,"monthly_remuneration_ceiling":17712,"annual_remuneration_ceiling":212544},"sdl":{"rate":0.01,"annual_payroll_exemption_threshold":500000}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false}}
当前税率 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24881/current+tax+rates' --header 'Authorization: Bearer YOUR_API_KEY' 


    
请求

对任意金额添加或移除南非15%的增值税。使用添加模式将不含增值税的金额转换为含增值税的金额。使用移除模式从含增值税的金额中提取不含增值税的价格。请求体:- amount(必需):要计算增值税的兰特金额。- mode(必需):计算方向。使用添加计算不含增值税金额的含增值税价格。使用移除从含增值税金额中提取不含增值税的价格。

Endpoint ID: 24882
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24882/vat+calculator
输入参数

增值税计算器 — 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":{"mode":"add","amount_exclusive":1000,"vat_amount":150,"amount_inclusive":1150,"vat_rate":0.15},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false}}
增值税计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24882/vat+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "amount": 1000,
  "mode": "add"
}'

    
请求
计算针对退休基金赎回金额应缴纳的南非税务,使用2026/27财年的SARS赎回金额税率表。支持退休时提取的赎回金额和退休前的提前提取。税务计算假设这是首次赎回金额,因为SARS会将过去一生中所有的赎回金额进行汇总 请求内容: - montante_resgate(必填):以兰特为单位的赎回金额 - tipo(必填):提取类型。用于na_aposentadoria表示退休时提取的赎回金额。用于retirada表示退休前的提前提取
Endpoint ID: 24883
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24883/retirement+lump+sum+tax+calculator
输入参数

一次性退休金税计算器 — 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":{"lump_sum":800000,"type":"at_retirement","tax_payable":47700,"net_lump_sum":752300,"effective_tax_rate":0.0596,"tax_year":"2026/27"},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Tax is calculated on the assumption this is the first lump sum taken. SARS aggregates all prior lump sums in a lifetime — prior withdrawals may push this amount into a higher bracket. Consult a retirement specialist."}}
一次性退休金税计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24883/retirement+lump+sum+tax+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "lump_sum": 800000,
  "type": "at_retirement"
}'

    
请求
返回特定数量医疗援助成员的每月和每年税收抵免,使用2026/27年SARS的当前费率。抵免减少应支付的PAYE,而不是现金退款。对需要独立计算医疗援助抵免的HR工具和薪资系统非常有用 查询参数: - 成员(必填):医疗援助成员的总数,包括主成员和所有受抚养人 示例:3
Endpoint ID: 24884
GET https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24884/medical+aid+tax+credits
输入参数

医疗救助税收信用 — 端点功能

对象 描述
members 必需 Required. Total number of medical aid members including main member and all dependants.

剩余免费测试请求:3 / 3。


输入参数

members
API 示例响应
JSON
{"success":true,"data":{"members":3,"monthly_credit":1006,"annual_credit":12072,"rates":{"main_member_monthly":376,"first_dependant_monthly":376,"additional_dependant_monthly":254}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Medical aid tax credits for tax year 2026/27. Credits reduce PAYE payable — they are not a cash refund."}}
医疗救助税收信用 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24884/medical+aid+tax+credits?members=3' --header 'Authorization: Bearer YOUR_API_KEY' 


    
请求
比较两个南非税务年度的具体情况,查看个人所得税等级、税收抵免、税收门槛和医疗援助税收抵免之间的差异。此接口帮助用户理解税收规则和预算变化在年度之间是如何演变的,以及这些变化可能如何影响纳税人的状况 可用的税务年度:2023年、2024年、2025年和2026年
Endpoint ID: 24885
GET https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24885/tax+year+comparison
输入参数

税年比较 — 端点功能

对象 描述
year1 必需 Required. First tax year to compare. Accepted values: 2023, 2024, 2025, 2026.
year2 必需 Required. Second tax year to compare. Accepted values: 2023, 2024, 2025, 2026.

剩余免费测试请求:3 / 3。


输入参数

year1
year2
API 示例响应
JSON
{"success":true,"data":{"years_compared":["2023","2026"],"income_tax_brackets":[{"2023":{"from":0,"to":226000},"2026":{"from":0,"to":245100},"bracket":1,"rate":0.18},{"2023":{"from":226001,"to":353100},"2026":{"from":245101,"to":383100},"bracket":2,"rate":0.26},{"2023":{"from":353101,"to":488700},"2026":{"from":383101,"to":530200},"bracket":3,"rate":0.31},{"2023":{"from":488701,"to":641400},"2026":{"from":530201,"to":695800},"bracket":4,"rate":0.36},{"2023":{"from":641401,"to":817600},"2026":{"from":695801,"to":887000},"bracket":5,"rate":0.39},{"2023":{"from":817601,"to":1731600},"2026":{"from":887001,"to":1878600},"bracket":6,"rate":0.41},{"2023":{"from":1731601,"to":null},"2026":{"from":1878601,"to":null},"bracket":7,"rate":0.45}],"rebates":{"primary":{"2023":16425,"2026":17820,"difference":1395},"secondary":{"2023":9000,"2026":9765,"difference":765},"tertiary":{"2023":2997,"2026":3249,"difference":252}},"tax_thresholds":{"under_65":{"2023":91250,"2026":99000,"difference":7750},"age_65_to_74":{"2023":141250,"2026":153250,"difference":12000},"age_75_and_over":{"2023":157900,"2026":171300,"difference":13400}},"medical_aid_tax_credits":{"main_member_monthly":{"2023":347,"2026":376,"difference":29},"first_dependant_monthly":{"2023":347,"2026":376,"difference":29},"additional_dependant_monthly":{"2023":234,"2026":254,"difference":20}}},"meta":{"disclaimer":"Estimates only. Consult a registered tax practitioner before making any tax decisions.","cached":false,"notes":"Comparison of tax year 2023/24 (effective 2023-03-01) vs 2026/27 (effective 2026-03-01). Differences are year2 minus year1."}}
税年比较 — 代码片段

curl --location --request GET 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24885/tax+year+comparison?year1=2023&year2=2026' --header 'Authorization: Bearer YOUR_API_KEY' 


    
请求

计算南非个人贷款的每月还款、总还款和总利息,使用标准摊销方式。返回详细分类,包括本金、期限、利率和贷款的总成本。请求体:- principal(必填):贷款金额(以兰得为单位)。- term_months(必填):贷款期限(以月为单位)。例:60。- annual_interest_rate(必填):年利率,以百分比表示。例:13.5。

Endpoint ID: 24886
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24886/personal+loan+repayment+calculator
输入参数

个人贷款还款计算器 — 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":{"principal":150000,"term_months":60,"annual_interest_rate":13.5,"monthly_repayment":3451.48,"total_repayment":207088.8,"total_interest":57088.8},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any financial decisions.","cached":false}}
个人贷款还款计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24886/personal+loan+repayment+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "principal": 150000,
  "term_months": 60,
  "annual_interest_rate": 13.5
}'

    
请求
比较南非的两种个人贷款场景并排返回贷款详情和结构化比较显示哪个选项整体更便宜总的节省利息每月付款的差异以及当整体上最便宜的贷款每月分期付款更高时的换取备注
Endpoint ID: 24887
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24887/loan+comparison+calculator
输入参数

贷款比较计算器 — 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":{"loan_a":{"principal":150000,"term_months":60,"annual_interest_rate":13.5,"monthly_repayment":3451.48,"total_repayment":207088.8,"total_interest":57088.8},"loan_b":{"principal":150000,"term_months":48,"annual_interest_rate":13.5,"monthly_repayment":4061.45,"total_repayment":194949.6,"total_interest":44949.6},"comparison":{"cheaper_option":"b","total_saving":12139.2,"monthly_difference":609.97,"note":"Loan B costs less overall but has higher monthly repayments. Loan A is cheaper month-to-month but costs more in total interest."}},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any financial decisions.","cached":false}}
贷款比较计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24887/loan+comparison+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "loan_a": {
    "principal": 150000,
    "term_months": 60,
    "annual_interest_rate": 13.5
  },
  "loan_b": {
    "principal": 150000,
    "term_months": 48,
    "annual_interest_rate": 13.5
  }
}'

    
请求
计算在一定年数后以南非兰特的金额的未来价值,使用南非消费者物价指数的通货膨胀。显示在一段时间内损失了多少购买力。默认使用南非统计局的当前消费者物价指数。支持一个可选的替代率来建模自定义的通货膨胀场景 请求主体: - 金额(必填):以南非兰特表示的现值金额 - 年数(必填):向前预测的年数。必须是一个正整数 - 替代率(可选):自定义的通货膨胀率,作为小数表示。例如:0.06代表6%。如果未提供,将使用南非统计局的当前消费者物价指数
Endpoint ID: 24888
POST https://docs.zylalabs.com/api/12762/sa+financial+calculators+api/24888/inflation+future+value+calculator
输入参数

通货膨胀未来价值计算器 — 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":{"present_value":100000,"future_value":148024.43,"increase":48024.43,"inflation_rate":0.04,"years":10,"rate_source":"SA CPI (Stats SA)"},"meta":{"disclaimer":"Estimates only. Consult a qualified financial advisor before making any financial decisions.","cached":false,"notes":"SA CPI rate of 4.00% used (April 2026). Update config/rates.json to reflect the latest Stats SA release."}}
通货膨胀未来价值计算器 — 代码片段

curl --location --request POST 'https://zylalabs.com/api/12762/sa+financial+calculators+api/24888/inflation+future+value+calculator' --header 'Authorization: Bearer YOUR_API_KEY' 

--data-raw '{
  "amount": 100000,
  "years": 10
}'

    

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 SA财务计算器 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

一套全面的南非金融计算器涵盖债券和物业成本、车辆融资、PAYE税、增值税、退休一次性付款、个人贷款和通货膨胀。所有货币价值均以南非兰特(ZAR)为单位。覆盖债券、车辆、税务和个人财务模块的25个端点。数据来源于南非税务局、贷款保护委员会、政府公报、南非储备银行和南非统计局。

SA财务计算器 API FAQs

所有的货币进出都以南非兰特(ZAR)为单位 不要传递以分为单位的金额 - 始终使用以兰特为单位的整数金额

所有结果仅为信息目的的估算 律师费用 地契办公室费用和转让税是根据官方发布的时间表计算的,但实际金额可能因交易而异 每个回应都在元字段中包含免责声明

所有税务计算默认使用2026/27税年(2026年3月1日到2027年2月28日),基于最新的SARS预算公告。2023年、2024年和2025年的历史税级可以通过税级和税年比较端点获取

从南非储备银行(resbank.co.za)每日提取的基准利率保存在一个数据库中 GET /bond/prime-rate 接口始终返回最近确认的利率以及提取的时间戳 如果实时提取失败,则使用最后成功持久化的值并在响应中包含 flagback: true

转让律师费(也称为过户费)和抵押注册律师费按2025年8月1日生效的LSSA增量收费标准计算。公式为基础费用加上每个单位或其部分的增量,向上取整。所有律师费用金额均包含15%的增值税,并标记为is_estimate: true,因为实际费用是可协商的,且因公司而异

转让费用包括将卖方的产权转移给买方的费用,包括转让税 转让律师费和登记处转让费 注册费用包括登记新抵押贷款的费用 包括抵押贷款登记律师费和登记处注册费 端点/bond/total-purchase-cost将两者合并为一个单一的分项

气球付款减少了每个月的摊销金额,导致每月支付金额较低然而气球的总额在融资期结束时作为一次性付款仍然到期,并不包括在每月付款中所有包含气球付款的回复都包含一个警告字段以明确这一点

SARS平均法被使用 税款是在总收入和奖金基础上计算的 然后单独扣除工资税 差额就是奖金税 这对应于大多数南非雇主出于工资单目的使用的方法

- 税级和转让税:在年度预算演讲后于二月更新 - 公证处费用:在政府公报发布后于四月更新 - LPC 律师费率:在 LSSA 指引发布后于八月更新 - 主要贷款利率:在每次 SARB MPC 决策后通过抓取器每日更新

API适合于显示估算、构建计算器和信息工具。它不是专业财务、税务或法律建议的替代品。所有结果应清楚地作为估算呈现给最终用户。每个目标响应块中的免责声明字段是为此目的提供的

每个端点返回结构化的JSON数据,以提供特定的财务计算或信息。例如,债券偿还计算器返回每月偿还金额、总偿还金额和利息细节,而PAYE所得税计算器提供税务细分和净收入数据

主要字段根据终点不同而有所变化,但通常包括“成功”“数据”和“目标”例如标题退款计算器包括“月退款”“总利息”和“年限”等字段,而目标字段提供来源信息和通知

每个端点都有特定的参数。例如,债券还款计算器需要“房产价格”、“贷款年限”和“年利率”。也可以包括可选参数,如“押金”。有关详细的参数要求,请参阅每个端点的文档

响应数据被组织成结构化的JSON格式 "data"对象包含计算结果 "meta"对象包括额外的信息,例如数据来源和免责声明 这种结构便于解析和利用结果

数据来自南非信誉良好的机构,包括南非税务局、法律实践委员会、政府公报、南非储备银行和南非统计局。这确保了提供的计算和信息是基于官方和最新的数据,从而提高了可靠性

典型的用例包括财务规划、抵押贷款评估、税务计算和车辆融资场景 用户可以利用API为个人财务应用程序构建计算器 帮助个人做出明智的财务决策

用户可以通过提供与其需求相关的具体参数来自定义请求 例如在车辆可达性计算器中用户可以调整“月预算”“存款”和“期限(个月)”以反映他们的财务状况和偏好

用户可以通过将返回的数据集成到财务应用程序或计算器中来加以利用。例如,债券比较计算器提供了两个情景的结构化比较,使用户能够轻松识别基于总利息和月付款的更具成本效益的选择

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。
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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]
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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。
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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。
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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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