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Simulação de dívida

Na QI Tech disponibilizamos aos nossos clientes a possibilidade de simular os valores uma operação de crédito antes da sua emissão de fato. A simulação segue o mesmo padrão da solicitação de emissão de dívida, porém não é necessário informar os dados cadastrais e de conta de desembolso do devedor.

Request

No exemplo abaixo, esta descrita uma solicitação de simulação de dívida.

ENDPOINT
/debt_simulation
MÉTODO
POST
Request Body
{
"borrower": {
"person_type": "natural"
},
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-10-20",
"disbursement_date": "2024-09-20",
"fine_configuration": {
"monthly_rate": 0.0166,
"interest_base": "calendar_days",
"contract_fine_rate": 0
},
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"monthly_interest_rate": 0.0166,
"disbursed_amount": 300,
"limit_days_to_disburse": 7,
"number_of_installments": 84,
"principal_grace_period": 0
}
}

Response

STATUS
200
Response Body
{
"type": "debt",
"key": "1c285258-cc5d-42df-8a95-e5a23cdf9a31",
"status": "finished",
"event_datetime": "2024-09-20 20:48:22",
"data": {
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"interest_payment_month_period": 1,
"principal_grace_period": 0,
"principal_amortization_month_period": 1,
"operation_type": "structured_operation",
"post_fixed_interest_base": "workdays",
"post_fixed_interest_rate": null,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.21843191,
"monthly_rate": 0.0166,
"daily_rate": 0.00054142
},
"issue_date": "2024-09-20",
"number_of_installments": 84,
"requester_key": "9cdbe6f9-0e94-45a7-af5f-2cec36356493",
"final_disbursement_amount": 300.0,
"total_pre_fixed_amount": 268.6575172528548,
"iof_amount": 10.22,
"cet": 0.0178,
"annual_cet": 0.235729,
"disbursement_date": "2024-09-20",
"installments": [
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2024-10-21",
"due_date": "2024-10-21",
"due_principal": 311.78,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.27564315207909,
"tax_amount": 0.004154535107414953,
"total_amount": 6.91,
"principal_amortization_amount": 1.6343568479209098,
"installment_number": 1
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2024-11-20",
"due_date": "2024-11-20",
"due_principal": 310.1456431520791,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.077320110892075,
"tax_amount": 0.009167064805317841,
"total_amount": 6.91,
"principal_amortization_amount": 1.832679889107925,
"installment_number": 2
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2024-12-20",
"due_date": "2024-12-20",
"due_principal": 308.31296326297115,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.047317746960004,
"tax_amount": 0.013899334972184456,
"total_amount": 6.91,
"principal_amortization_amount": 1.8626822530399967,
"installment_number": 3
},
{
"calendar_days": 31,
"workdays": 19.0,
"business_due_date": "2025-01-20",
"due_date": "2025-01-20",
"due_principal": 306.4502810099312,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.185458741621516,
"tax_amount": 0.017252310748818354,
"total_amount": 6.91,
"principal_amortization_amount": 1.7245412583784843,
"installment_number": 4
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-02-20",
"due_date": "2025-02-20",
"due_principal": 304.7257397515527,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.156277702811321,
"tax_amount": 0.022002199940529158,
"total_amount": 6.91,
"principal_amortization_amount": 1.7537222971886783,
"installment_number": 5
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2025-03-20",
"due_date": "2025-03-20",
"due_principal": 302.972017454364,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.626712024762313,
"tax_amount": 0.03388856012847776,
"total_amount": 6.91,
"principal_amortization_amount": 2.283287975237688,
"installment_number": 6
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2025-04-22",
"due_date": "2025-04-22",
"due_principal": 300.6887294791263,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.419164146019335,
"tax_amount": 0.026161187565652718,
"total_amount": 6.91,
"principal_amortization_amount": 1.4908358539806656,
"installment_number": 7
},
{
"calendar_days": 28,
"workdays": 19.0,
"business_due_date": "2025-05-20",
"due_date": "2025-05-20",
"due_principal": 299.19789362514564,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.569077051571375,
"tax_amount": 0.04645327498861764,
"total_amount": 6.91,
"principal_amortization_amount": 2.3409229484286254,
"installment_number": 8
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2025-06-20",
"due_date": "2025-06-20",
"due_principal": 296.856970676717,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.023129913713405,
"tax_amount": 0.04223947375161171,
"total_amount": 6.91,
"principal_amortization_amount": 1.8868700862865948,
"installment_number": 9
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2025-07-21",
"due_date": "2025-07-21",
"due_principal": 294.97010059043043,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.99120210163572,
"tax_amount": 0.047831794010424776,
"total_amount": 6.91,
"principal_amortization_amount": 1.9187978983642804,
"installment_number": 10
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2025-08-20",
"due_date": "2025-08-20",
"due_principal": 293.05130269206614,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.7974727536377255,
"tax_amount": 0.05785789622336997,
"total_amount": 6.91,
"principal_amortization_amount": 2.112527246362274,
"installment_number": 11
},
{
"calendar_days": 33,
"workdays": 23.0,
"business_due_date": "2025-09-22",
"due_date": "2025-09-22",
"due_principal": 290.93877544570387,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 5.243445550198378,
"tax_amount": 0.04987997468256254,
"total_amount": 6.91,
"principal_amortization_amount": 1.666554449801622,
"installment_number": 12
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2025-10-20",
"due_date": "2025-10-20",
"due_principal": 289.2722209959023,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.417501241721239,
"tax_amount": 0.07460048783528331,
"total_amount": 6.91,
"principal_amortization_amount": 2.492498758278761,
"installment_number": 13
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2025-11-20",
"due_date": "2025-11-20",
"due_principal": 286.7797222376235,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.852612347738989,
"tax_amount": 0.061577612432172066,
"total_amount": 6.91,
"principal_amortization_amount": 2.0573876522610113,
"installment_number": 14
},
{
"calendar_days": 32,
"workdays": 22.0,
"business_due_date": "2025-12-22",
"due_date": "2025-12-22",
"due_principal": 284.7223345853625,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.974562019629561,
"tax_amount": 0.057927658752487246,
"total_amount": 6.91,
"principal_amortization_amount": 1.9354379803704393,
"installment_number": 15
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2026-01-20",
"due_date": "2026-01-20",
"due_principal": 282.786896604992,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.473907872942561,
"tax_amount": 0.07291223736282915,
"total_amount": 6.91,
"principal_amortization_amount": 2.436092127057439,
"installment_number": 16
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2026-02-20",
"due_date": "2026-02-20",
"due_principal": 280.3508044779346,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.743828346346397,
"tax_amount": 0.06483351759385234,
"total_amount": 6.91,
"principal_amortization_amount": 2.166171653653603,
"installment_number": 17
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2026-03-20",
"due_date": "2026-03-20",
"due_principal": 278.184632824281,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.248181718584158,
"tax_amount": 0.07966822116277616,
"total_amount": 6.91,
"principal_amortization_amount": 2.6618182814158424,
"installment_number": 18
},
{
"calendar_days": 31,
"workdays": 20.0,
"business_due_date": "2026-04-20",
"due_date": "2026-04-20",
"due_principal": 275.52281454286515,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.662133715391057,
"tax_amount": 0.06727863789834566,
"total_amount": 6.91,
"principal_amortization_amount": 2.247866284608943,
"installment_number": 19
},
{
"calendar_days": 30,
"workdays": 20.0,
"business_due_date": "2026-05-20",
"due_date": "2026-05-20",
"due_principal": 273.27494825825625,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.473718787383631,
"tax_amount": 0.07291789669360793,
"total_amount": 6.91,
"principal_amortization_amount": 2.436281212616369,
"installment_number": 20
},
{
"calendar_days": 33,
"workdays": 22.0,
"business_due_date": "2026-06-22",
"due_date": "2026-06-22",
"due_principal": 270.83866704563985,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.881191245019006,
"tax_amount": 0.06072224603658115,
"total_amount": 6.91,
"principal_amortization_amount": 2.028808754980994,
"installment_number": 21
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2026-07-20",
"due_date": "2026-07-20",
"due_principal": 268.80985829065884,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.105018721457935,
"tax_amount": 0.08395308966676401,
"total_amount": 6.91,
"principal_amortization_amount": 2.804981278542065,
"installment_number": 22
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2026-08-20",
"due_date": "2026-08-20",
"due_principal": 266.00487701211676,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.501080274002869,
"tax_amount": 0.07209896739909413,
"total_amount": 6.91,
"principal_amortization_amount": 2.408919725997131,
"installment_number": 23
},
{
"calendar_days": 32,
"workdays": 21.0,
"business_due_date": "2026-09-21",
"due_date": "2026-09-21",
"due_principal": 263.59595728611964,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.605449865929974,
"tax_amount": 0.06897518551271588,
"total_amount": 6.91,
"principal_amortization_amount": 2.304550134070026,
"installment_number": 24
},
{
"calendar_days": 29,
"workdays": 20.0,
"business_due_date": "2026-10-20",
"due_date": "2026-10-20",
"due_principal": 261.29140715204966,
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"principal_amortization_amount": 2.776167429876739,
"installment_number": 25
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2026-11-20",
"due_date": "2026-11-20",
"due_principal": 258.5152397221729,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.3743477905842765,
"tax_amount": 0.0758920706278126,
"total_amount": 6.91,
"principal_amortization_amount": 2.5356522094157232,
"installment_number": 26
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2026-12-21",
"due_date": "2026-12-21",
"due_principal": 255.97958751275718,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.3314419075428425,
"tax_amount": 0.07717624370724271,
"total_amount": 6.91,
"principal_amortization_amount": 2.578558092457157,
"installment_number": 27
},
{
"calendar_days": 30,
"workdays": 20.0,
"business_due_date": "2027-01-20",
"due_date": "2027-01-20",
"due_principal": 253.4010294203,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.14836761761494,
"tax_amount": 0.08265565720478485,
"total_amount": 6.91,
"principal_amortization_amount": 2.76163238238506,
"installment_number": 28
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2027-02-22",
"due_date": "2027-02-22",
"due_principal": 250.63939703791496,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.517149799264634,
"tax_amount": 0.07161800650800951,
"total_amount": 6.91,
"principal_amortization_amount": 2.392850200735366,
"installment_number": 29
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2027-03-22",
"due_date": "2027-03-22",
"due_principal": 248.24654683717958,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.790994604081894,
"tax_amount": 0.09335183149982891,
"total_amount": 6.91,
"principal_amortization_amount": 3.119005395918106,
"installment_number": 30
},
{
"calendar_days": 29,
"workdays": 20.0,
"business_due_date": "2027-04-20",
"due_date": "2027-04-20",
"due_principal": 245.12754144126149,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.8781076870792814,
"tax_amount": 0.0907445369257171,
"total_amount": 6.91,
"principal_amortization_amount": 3.0318923129207187,
"installment_number": 31
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2027-05-20",
"due_date": "2027-05-20",
"due_principal": 242.09564912834077,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.96328994206139,
"tax_amount": 0.0881950320341026,
"total_amount": 6.91,
"principal_amortization_amount": 2.9467100579386103,
"installment_number": 32
},
{
"calendar_days": 32,
"workdays": 21.0,
"business_due_date": "2027-06-21",
"due_date": "2027-06-21",
"due_principal": 239.14893907040215,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.178320717504705,
"tax_amount": 0.08175916092508417,
"total_amount": 6.91,
"principal_amortization_amount": 2.731679282495295,
"installment_number": 33
},
{
"calendar_days": 29,
"workdays": 21.0,
"business_due_date": "2027-07-20",
"due_date": "2027-07-20",
"due_principal": 236.41725978790686,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.7403042805836693,
"tax_amount": 0.09486899288213078,
"total_amount": 6.91,
"principal_amortization_amount": 3.169695719416331,
"installment_number": 34
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2027-08-20",
"due_date": "2027-08-20",
"due_principal": 233.24756406849053,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.946792334713775,
"tax_amount": 0.08868880542201671,
"total_amount": 6.91,
"principal_amortization_amount": 2.9632076652862245,
"installment_number": 35
},
{
"calendar_days": 31,
"workdays": 20.0,
"business_due_date": "2027-09-20",
"due_date": "2027-09-20",
"due_principal": 230.2843564032043,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.896651766917395,
"tax_amount": 0.09018951261616237,
"total_amount": 6.91,
"principal_amortization_amount": 3.0133482330826054,
"installment_number": 36
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2027-10-20",
"due_date": "2027-10-20",
"due_principal": 227.2710081701217,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.720599292246226,
"tax_amount": 0.09545876318307046,
"total_amount": 6.91,
"principal_amortization_amount": 3.1894007077537743,
"installment_number": 37
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2027-11-22",
"due_date": "2027-11-22",
"due_principal": 224.0816074623679,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 4.038511902478012,
"tax_amount": 0.0859436387588331,
"total_amount": 6.91,
"principal_amortization_amount": 2.8714880975219876,
"installment_number": 38
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2027-12-20",
"due_date": "2027-12-20",
"due_principal": 221.21011936484592,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.378118969084671,
"tax_amount": 0.1057091992552958,
"total_amount": 6.91,
"principal_amortization_amount": 3.531881030915329,
"installment_number": 39
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2028-01-20",
"due_date": "2028-01-20",
"due_principal": 217.6782383339306,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.6833430862243923,
"tax_amount": 0.09657384142930393,
"total_amount": 6.91,
"principal_amortization_amount": 3.2266569137756074,
"installment_number": 40
},
{
"calendar_days": 32,
"workdays": 22.0,
"business_due_date": "2028-02-21",
"due_date": "2028-02-21",
"due_principal": 214.451581420155,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.74681773221539,
"tax_amount": 0.09467404527479337,
"total_amount": 6.91,
"principal_amortization_amount": 3.16318226778461,
"installment_number": 41
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2028-03-20",
"due_date": "2028-03-20",
"due_principal": 211.28839915237037,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.2266035169346967,
"tax_amount": 0.11024405673814452,
"total_amount": 6.91,
"principal_amortization_amount": 3.6833964830653034,
"installment_number": 42
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2028-04-20",
"due_date": "2028-04-20",
"due_principal": 207.6050026693051,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.5128934205840037,
"tax_amount": 0.10167539992192078,
"total_amount": 6.91,
"principal_amortization_amount": 3.3971065794159965,
"installment_number": 43
},
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"due_principal": 182.25678921971678,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.0839751811114278,
"tax_amount": 0.11451292282933498,
"total_amount": 6.91,
"principal_amortization_amount": 3.8260248188885724,
"installment_number": 50
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2028-12-20",
"due_date": "2028-12-20",
"due_principal": 178.4307644008282,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.92104734822904,
"tax_amount": 0.11938935286750484,
"total_amount": 6.91,
"principal_amortization_amount": 3.98895265177096,
"installment_number": 51
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2029-01-22",
"due_date": "2029-01-22",
"due_principal": 174.44181174905722,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 3.143878433470748,
"tax_amount": 0.1127200184862205,
"total_amount": 6.91,
"principal_amortization_amount": 3.766121566529252,
"installment_number": 52
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2029-02-20",
"due_date": "2029-02-20",
"due_principal": 170.67569018252797,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.700221697662768,
"tax_amount": 0.12599866458895334,
"total_amount": 6.91,
"principal_amortization_amount": 4.209778302337232,
"installment_number": 53
},
{
"calendar_days": 28,
"workdays": 20.0,
"business_due_date": "2029-03-20",
"due_date": "2029-03-20",
"due_principal": 166.46591188019076,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.5421154160717627,
"tax_amount": 0.13073078559697213,
"total_amount": 6.91,
"principal_amortization_amount": 4.367884583928237,
"installment_number": 54
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2029-04-20",
"due_date": "2029-04-20",
"due_principal": 162.0980272962625,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.7428678801432316,
"tax_amount": 0.12472226434731308,
"total_amount": 6.91,
"principal_amortization_amount": 4.167132119856769,
"installment_number": 55
},
{
"calendar_days": 31,
"workdays": 20.0,
"business_due_date": "2029-05-21",
"due_date": "2029-05-21",
"due_principal": 157.93089517640576,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.6723556534707984,
"tax_amount": 0.126832695291619,
"total_amount": 6.91,
"principal_amortization_amount": 4.237644346529201,
"installment_number": 56
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2029-06-20",
"due_date": "2029-06-20",
"due_principal": 153.69325082987655,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.5160754328709682,
"tax_amount": 0.13151016229417192,
"total_amount": 6.91,
"principal_amortization_amount": 4.393924567129032,
"installment_number": 57
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2029-07-20",
"due_date": "2029-07-20",
"due_principal": 149.2993262627475,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.4441435451820364,
"tax_amount": 0.13366308369270166,
"total_amount": 6.91,
"principal_amortization_amount": 4.465856454817964,
"installment_number": 58
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2029-08-20",
"due_date": "2029-08-20",
"due_principal": 144.83346980792956,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.4507335402657553,
"tax_amount": 0.13346584513984594,
"total_amount": 6.91,
"principal_amortization_amount": 4.459266459734245,
"installment_number": 59
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2029-09-20",
"due_date": "2029-09-20",
"due_principal": 140.3742033481953,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.375278095523973,
"tax_amount": 0.1357242266009675,
"total_amount": 6.91,
"principal_amortization_amount": 4.534721904476028,
"installment_number": 60
},
{
"calendar_days": 32,
"workdays": 21.0,
"business_due_date": "2029-10-22",
"due_date": "2029-10-22",
"due_principal": 135.83948144371928,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.3733365566146216,
"tax_amount": 0.13578233686052438,
"total_amount": 6.91,
"principal_amortization_amount": 4.536663443385378,
"installment_number": 61
},
{
"calendar_days": 29,
"workdays": 19.0,
"business_due_date": "2029-11-20",
"due_date": "2029-11-20",
"due_principal": 131.3028180003339,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.0773123445383432,
"tax_amount": 0.1446423415279674,
"total_amount": 6.91,
"principal_amortization_amount": 4.832687655461657,
"installment_number": 62
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2029-12-20",
"due_date": "2029-12-20",
"due_principal": 126.47013034487225,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.0704122414909936,
"tax_amount": 0.14484886161217456,
"total_amount": 6.91,
"principal_amortization_amount": 4.839587758509007,
"installment_number": 63
},
{
"calendar_days": 32,
"workdays": 20.0,
"business_due_date": "2030-01-21",
"due_date": "2030-01-21",
"due_principal": 121.63054258636323,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 2.125083297234822,
"tax_amount": 0.14321255691376178,
"total_amount": 6.91,
"principal_amortization_amount": 4.7849167027651776,
"installment_number": 64
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2030-02-20",
"due_date": "2030-02-20",
"due_principal": 116.84562588359806,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.9128517819534845,
"tax_amount": 0.14956464616613221,
"total_amount": 6.91,
"principal_amortization_amount": 4.997148218046515,
"installment_number": 65
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2030-03-20",
"due_date": "2030-03-20",
"due_principal": 111.84847766555154,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.708047828689376,
"tax_amount": 0.15569442848732698,
"total_amount": 6.91,
"principal_amortization_amount": 5.201952171310624,
"installment_number": 66
},
{
"calendar_days": 33,
"workdays": 22.0,
"business_due_date": "2030-04-22",
"due_date": "2030-04-22",
"due_principal": 106.64652549424092,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.922037544463559,
"tax_amount": 0.14928971629420568,
"total_amount": 6.91,
"principal_amortization_amount": 4.987962455536441,
"installment_number": 67
},
{
"calendar_days": 28,
"workdays": 19.0,
"business_due_date": "2030-05-20",
"due_date": "2030-05-20",
"due_principal": 101.65856303870447,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.5524367563155517,
"tax_amount": 0.16035186788347555,
"total_amount": 6.91,
"principal_amortization_amount": 5.3575632436844485,
"installment_number": 68
},
{
"calendar_days": 32,
"workdays": 23.0,
"business_due_date": "2030-06-21",
"due_date": "2030-06-21",
"due_principal": 96.30099979502003,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.68253500987305,
"tax_amount": 0.1564580271544996,
"total_amount": 6.91,
"principal_amortization_amount": 5.22746499012695,
"installment_number": 69
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2030-07-22",
"due_date": "2030-07-22",
"due_principal": 91.07353480489307,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.5410593053726052,
"tax_amount": 0.16069239499019794,
"total_amount": 6.91,
"principal_amortization_amount": 5.368940694627395,
"installment_number": 70
},
{
"calendar_days": 29,
"workdays": 21.0,
"business_due_date": "2030-08-20",
"due_date": "2030-08-20",
"due_principal": 85.70459411026569,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.355913102553902,
"tax_amount": 0.1662338208405617,
"total_amount": 6.91,
"principal_amortization_amount": 5.554086897446098,
"installment_number": 71
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2030-09-20",
"due_date": "2030-09-20",
"due_principal": 80.15050721281959,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.3562302729904976,
"tax_amount": 0.1662243279293944,
"total_amount": 6.91,
"principal_amortization_amount": 5.553769727009502,
"installment_number": 72
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2030-10-21",
"due_date": "2030-10-21",
"due_principal": 74.59673748581008,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.2622546901162857,
"tax_amount": 0.16903701712481958,
"total_amount": 6.91,
"principal_amortization_amount": 5.647745309883715,
"installment_number": 73
},
{
"calendar_days": 30,
"workdays": 21.0,
"business_due_date": "2030-11-20",
"due_date": "2030-11-20",
"due_principal": 68.94899217592636,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.1287474524635266,
"tax_amount": 0.17303288874776665,
"total_amount": 6.91,
"principal_amortization_amount": 5.781252547536473,
"installment_number": 74
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2030-12-20",
"due_date": "2030-12-20",
"due_principal": 63.167739628389896,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 1.034103950373898,
"tax_amount": 0.17586556876530923,
"total_amount": 6.91,
"principal_amortization_amount": 5.875896049626102,
"installment_number": 75
},
{
"calendar_days": 31,
"workdays": 19.0,
"business_due_date": "2031-01-20",
"due_date": "2031-01-20",
"due_principal": 57.29184357876379,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.9694378159160035,
"tax_amount": 0.177801026169634,
"total_amount": 6.91,
"principal_amortization_amount": 5.940562184083997,
"installment_number": 76
},
{
"calendar_days": 31,
"workdays": 23.0,
"business_due_date": "2031-02-20",
"due_date": "2031-02-20",
"due_principal": 51.351281394679795,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.8689173007900727,
"tax_amount": 0.18080960518735312,
"total_amount": 6.91,
"principal_amortization_amount": 6.041082699209928,
"installment_number": 77
},
{
"calendar_days": 28,
"workdays": 18.0,
"business_due_date": "2031-03-20",
"due_date": "2031-03-20",
"due_principal": 45.310198695469865,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.691935984419014,
"tax_amount": 0.1861066559863389,
"total_amount": 6.91,
"principal_amortization_amount": 6.218064015580986,
"installment_number": 78
},
{
"calendar_days": 33,
"workdays": 21.0,
"business_due_date": "2031-04-22",
"due_date": "2031-04-22",
"due_principal": 39.09213467988888,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.7045381947490624,
"tax_amount": 0.18572947183116056,
"total_amount": 6.91,
"principal_amortization_amount": 6.205461805250938,
"installment_number": 79
},
{
"calendar_days": 28,
"workdays": 19.0,
"business_due_date": "2031-05-20",
"due_date": "2031-05-20",
"due_principal": 32.886672874637945,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.5022152412687123,
"tax_amount": 0.19178499782882744,
"total_amount": 6.91,
"principal_amortization_amount": 6.407784758731288,
"installment_number": 80
},
{
"calendar_days": 31,
"workdays": 22.0,
"business_due_date": "2031-06-20",
"due_date": "2031-06-20",
"due_principal": 26.478888115906656,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.4480504354459919,
"tax_amount": 0.19340615046710147,
"total_amount": 6.91,
"principal_amortization_amount": 6.461949564554008,
"installment_number": 81
},
{
"calendar_days": 31,
"workdays": 21.0,
"business_due_date": "2031-07-21",
"due_date": "2031-07-21",
"due_principal": 20.01693855135265,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.33870750142418227,
"tax_amount": 0.19667878448237422,
"total_amount": 6.91,
"principal_amortization_amount": 6.571292498575818,
"installment_number": 82
},
{
"calendar_days": 30,
"workdays": 22.0,
"business_due_date": "2031-08-20",
"due_date": "2031-08-20",
"due_principal": 13.445646052776832,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.2201154541907445,
"tax_amount": 0.20022824445607101,
"total_amount": 6.91,
"principal_amortization_amount": 6.689884545809256,
"installment_number": 83
},
{
"calendar_days": 33,
"workdays": 23.0,
"business_due_date": "2031-09-22",
"due_date": "2031-09-22",
"due_principal": 6.755761506967575,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 0.15175574588723562,
"tax_amount": 0.20227425052559503,
"total_amount": 6.91,
"principal_amortization_amount": 6.758244254112764,
"installment_number": 84
}
],
"issue_amount": 311.78,
"disbursed_issue_amount": 300.0,
"assignment_amount": 311.78,
"final_disbursement_amount": 300.0,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.21843191,
"monthly_rate": 0.0166,
"daily_rate": 0.00054142
}
}
]
}
}

Definições

Request Body

Objeto Borrower

CampoTipoDescriçãoEnum
person_typeobjectNatureza Jurídica do devedor da operaçãonatural ou legal

Objeto Financial

CampoTipoDescriçãoMáx. Caract.
amoutfloatValor de emissão/nominal da operação de crédito-
interest_typeobjectEnumerador Interest Type - Método de amortização e forma de cálculo de juros-
credit_operation_typeobjectEnumerador Credit Operation Type - Tipo do contrato de crédito-
annual_interest_ratefloatTaxa de juros pré-fixada expressa em decimal ao ano-
disbursement_datedateData do desembolso da operação-
interest_grace_periodintCarência de juros (em meses)-
principal_grace_periodintPeríodo carência de principal-
number_of_installmentsintNúmero de parcelas da operação de crédito-
fine_configurationobjectObjeto fine_configuration - Configuração de juros e multa por atraso-

Objeto Fine Configuration

CampoTipoDescriçãoMáx. Caract.
contract_fine_ratefloatPercentual de multa por atraso expresso em decimal-
interest_baseenumEnumerador Interest Base - Base de cálculo de juros-
monthly_ratefloatPercentual de juros de atraso ao mês expresso em decimal-

Response Body

CampoTipoDescriçãoMáx. Caract.
data.dataobjectObjeto Data-
data.event_datetimedateMomento da geração da simulação-
data.keystringChave única da simulação-
data.statusstringfinished-
data.typestringdebt-

Objeto Data

CampoTipoDescriçãoMáx. Caract.
annual_cetfloatCusto efetivo total expresso em decimal ao ano-
assignment_amountfloatValor de aquisição da operação de crédito-
cetfloatCusto efetivo total expresso em decimal ao mês-
contract_fee_amountfloatFee da QI Tech cobrado na operação-
contract_feesobjectObjeto Contract Fees - Lista de Fee's da QI Tech cobrados na operação-
credit_operation_typeenumEnumerador Credit Operation Type - Tipo do contrato de crédito-
disbursed_issue_amountfloatValor desembolsado na operação de crédito-
disbursement_datedateData do desembolso da operação-
disbursement_optionslistLista de opções de desembolso da operação (os valores financeiros da operação podem variar de acordo com o dia do desembolso)-
external_contract_fee_amountfloatValor do Fee cobrado na operação rebatido pela QI ao parceiro-
external_contract_feeslistObjeto Contract Fees - Lista de Fee's cobrados na operação rebatidos pela QI ao parceiro-
final_disbursement_amountfloatValor efetivamente desembolsado para o devedor-
installmentslistObjeto Installments - Parcelas da operação-
interest_grace_periodintCarência de juros (em meses)-
interest_payment_month_periodintFrequência da cobrança de juros nas parcelas (em meses)-
interest_typeenumEnumerador Interest Type - Método de amortização e forma de cálculo de juros-
iof_amountfloatValor total do iof-
issue_amountfloatValor de emissão/nominal da operação de crédito-
issue_datedateData da emissão do cotrato da operação-
net_external_contract_fee_amountfloatValor líquido do Fee cobrado na operação rebatido pela QI ao parceiro-
operation_typeenumEnumerador Operation Type-
post_fixed_interest_baseenumEnumerador Interest Base - Base de cálculo de juros-
post_fixed_interest_rateobjectObjeto Interest Rate - Indexador de juros pós-fixados do contrato-
prefixed_interest_rateobjectObjeto Interest Rate - Taxa de juros Nominal pré-fixada do contrato-
principal_amortization_month_periodintFrequência da cobrança de principal nas parcelas (em meses)-
principal_grace_periodintPeríodo carência de principal (em meses)-
requester_keystringChave única identificadora do parceiro dentro da QI.-
total_pre_fixed_amountfloatTotal de juros pago pelo devedor na operação de crédito-

Objeto Contract Fees

CampoTipoDescriçãoMáx. Caract.
amountfloatValor do Fee (em percentual ou valor absoluto, a depender do valor informado no campo amount_type-
amount_typeenumEnumeradores amount_type - Unidade do valor do Fee-
fee_amountfloatValor absoluto do Fee cobrado na operação-
fee_typeenumEnumerador Fee Type - Tipo do Fee cobrado na operação-

Objeto Installments

CampoTipoDescriçãoMáx. Caract.
business_due_datedateData do vencimento em dia útil da parcela-
calendar_daysintQuantos dias corridos entre uma parcela e outra-
due_datedateData do vencimento em dia corrido da parcela-
due_principalfloatPrincipal remanescente na data de vencimento da parcela antes de seu pagamento-
has_interestbooleantrue - Indicador de incidência de juros na parcela-
installment_numberintNúmero da parcela-
post_fixed_amountfloatValor de juros pós-fixado pago na parcela-
pre_fixed_amountfloatValor de juros pré-fixado pago na parcela-
principal_amortization_amountfloatValor de amortização pago na parcela-
tax_amountfloatIOF da parcela-
total_amountfloatValor total da parcela-
workdaysintQuantos dias úteis entre uma parcela e outra-

Objeto Interest Rate

CampoDescriçãoMáx. Caract.
annual_rateTaxa de juros pré/pós expressa em decimal ao ano-
daily_rateTaxa de juros pré/pós expressa em decimal ao dia-
interest_baseEnumerador Interest Base - Base de cálculo de juros-
monthly_rateTaxa de juros pré/pós expressa em decimal ao mês-

Enumeradores

Enumerador Person Type

EnumeradorDescrição
legalPessoa juridica
naturalPesso física

Enumerador Account Type

EnumeradorDescrição
checking_accountConta corrente
deposit_accountConta de depósito
guaranteed_accountConta de garantia
investment_accountConta de investimento
payment_accountConta de pagamento
saving_accountConta poupança
salary_accountConta salário

Enumerador Interest Type

EnumeradorDescrição
pre_price_daysMétodo de amortização Price (parcelas iguais) com cálculo do juros pré-fixado ao dia
pre_priceMétodo de amortização Price (parcelas iguais) com cálculo do juros pré-fixado em períodos fixos (30 dias)
pre_sacMétodo de amortização SAC (amortização constante) com cálculo do juros pré-fixado ao dia
post_sacMétodo de amortização SAC (amortização constante) com cálculo do juros baseado em uma taxa pré-fixada + indexador pós-fixado (cdi, ipca ou igpm) ao dia
post_priceMétodo de amortização Price (parcelas iguais) com cálculo do juros baseado em uma taxa pré-fixada + indexador pós-fixado (cdi, ipca ou igpm) em períodos fixos (30 dias)
post_price_daysMétodo de amortização Price (parcelas iguais) com cálculo do juros baseado em uma taxa pré-fixada + indexador pós-fixado (cdi, ipca ou igpm) ao dia

Enumerador Credit Operation Type

EnumeradorDescrição
ccbCédula de Crédito Bancário
cceCédula de Crédito à Exportação
cciCédula de Crédito Imobiliário
nceNota de Crédito à Exportação

Enumerador Interest Base

EnumeradorDescrição
workdaysBase de cálculo de juros em dias úteis considerando um ano de 252 dias
calendar_daysBase de cálculo de juros em dias corridos considerando um ano de 360 dias
calendar_days_365Base de cálculo de juros em dias corridos considerando um ano de 365 dias

Enumerador Fee Type

Cada tipo de fee deve ser previamente habilitado e configurado pela QI Tech

EnumeradorDescrição
tacTarifa de abertura de cadastro
spreadÁgio cobrado no valor de aquisição da operação de crédito
warranty_analysisTarifa de análise de garantias
ted_feeTarifa de TED
spread_ted_feeÁgio da tarifa de TED cobrado no valor de aquisição da operação de crédito