# Mart402 Japanese Mortgage Schedule Calculator

> Mart402 Japanese Mortgage Schedule Calculator is a paid API for AI agents from mart402.com, paid per call via x402, $0.005/call, status unknown (last checked 2026-10-03).

Computes level-payment and level-principal mortgage amortization schedules, total interest, and prepayment effects for Japanese yen-denominated loans using deterministic annuity math.

## Facts

- Endpoint: POST https://mart402.com/v1/jp-mortgage?utm_source=zero.xyz
- Price: $0.005/call
- Payment: x402
- Status: unknown
- Last checked: 2026-10-03
- Activations on Zero: 0
- Tags: x402
- Canonical page: https://www.zero.xyz/c/mart402-japanese-mortgage-schedule-calculator-eaf4a0b0
- Structured record (JSON): https://api.zero.xyz/v1/capabilities/cap_ljq7hiTT3ZJN9srbHZWZQ

Status and success rate cover calls made through Zero and Zero's own probes. Third-party monitors may report differently.

## How to call it through Zero

Zero handles the 402 payment challenge and records the run. With the Zero CLI installed (`npm i -g @zeroxyz/cli`):

```sh
zero fetch --capability mart402-japanese-mortgage-schedule-calculator-eaf4a0b0 -d '<json body>'
```

Example prompt: 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?

## When to prefer this

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.

## Known failure modes

- 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

## How this service works

Mortgage schedules: level-payment/level-principal, total interest, prepayment effect (term-reduction or payment-reduction). Deterministic annuity math. $0.005/call.

## Output

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.

## Request schema (JSON Schema)

```json
{
 "type": "object",
 "properties": {
  "months": {
   "type": "number"
  },
  "annual_rate": {
   "type": "number"
  },
  "principal_yen": {
   "type": "number"
  }
 }
}
```

## More

- Live health (JSON, refreshed every minute): https://www.zero.xyz/c/mart402-japanese-mortgage-schedule-calculator-eaf4a0b0/health.json
- [Zero catalog index](https://www.zero.xyz/llms.txt)
- [Other services from mart402.com](https://www.zero.xyz/host/mart402.com/llms.txt)