Correção de Dados da Proposta
Corrige os dados de uma proposta de portabilidade e/ou refinanciamento já criada, antes da averbação — com nova assinatura da CCB quando a correção altera as condições do refinanciamento, e sem nova assinatura quando não altera.
Para reduzir apenas o valor da parcela, veja Diminuir o Valor das Parcelas. Para o recálculo do saldo devedor da portabilidade, veja Recálculo da Portabilidade.
Correção de dados para refinanciamento com nova assinatura da CCB:
É possível corrigir os dados financeiros e os bancários da operação de refinanciamento enquanto o refinanciamento original não for averbado.
ENDPOINT
/v2/credit_transfer/proposal/PROPOSAL-KEY/refinancing_credit_operationMÉTODO
PUTRequest Body
{
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-06-10",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"monthly_interest_rate": 0.0167,
"installment_face_value": 410,
"limit_days_to_disburse": 7,
"number_of_installments": 84
},
"disbursement_bank_account": {
"account_digit": "1",
"account_number": "00001",
"bank_code": "033",
"branch_number": "0001"
}
}
Response:
response.json
{
"credit_operation_key": "<CREDIT-OPERATION-KEY>",
"contract_number": "00000002",
"document_key": "<DOCUMENT-KEY da CCB de Refinanciamento>",
"document_url": "<URL da CCB de Refinanciamento>",
"credit_operation_status": "issued",
"fine_configuration": {
"contract_fine_rate": 0.02,
"interest_base": "calendar_days",
"monthly_rate": 0.01
},
"disbursement_options": [{
"installments": [{
"additional_costs": [],
"bank_slip_key": null,
"business_due_date": "2021-08-09",
"calendar_days": 53,
"digitable_line": null,
"due_date": "2021-08-08",
"due_interest": 0,
"due_principal": 997.87,
"fine_amount": null,
"has_interest": true,
"installment_key": "e3bedf31-1e87-4ba4-a36c-d52f7f5c9036",
"installment_number": 1,
"installment_status": "created",
"installment_type": "principal",
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 54.84865004983954,
"principal_amortization_amount": 306.98134995016045,
"total_amount": 361.83,
"workdays": 37
},
{
"additional_costs": [],
"bank_slip_key": null,
"business_due_date": "2021-09-08",
"calendar_days": 31,
"digitable_line": null,
"due_date": "2021-09-08",
"due_interest": 0,
"due_principal": 690.8886500498395,
"fine_amount": null,
"has_interest": true,
"installment_key": "e8406cdb-844c-4e6d-9620-3635fab9d8d1",
"installment_number": 2,
"installment_status": "created",
"installment_type": "principal",
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 21.964874249804833,
"principal_amortization_amount": 339.86512575019515,
"tax_amount": 0,
"total_amount": 361.83,
"workdays": 22
}
],
"prefixed_interest_rate": {
"annual_rate": 0.44556431,
"daily_rate": 0.00564312,
"monthly_rate": 0.0556431,
"interest_base": "calendar_days_365"
},
"iof_amount": 50,
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"contract_fee_amount": 0,
"contract_fees": [],
"number_of_installments": 2,
"disbursed_issue_amount": 997.87,
"final_disbursement_amount": 100,
"issue_amount": 1147.87,
"disbursement_date": "2021-05-31",
"cet": 1.212,
"annual_cet": 32.122
}],
"disbursement_bank_account": {
"account_digit": "1",
"account_number": "00001",
"ispb": "00000000",
"branch_number": "0001"
}
}
cuidado
A key da operação de refinanciamento, a document key, a document url, a related_party_key e a borrower related_party_key mudarão após essa ação, sendo necessário a reassinatura da CCB.
Correção de dados para refinanciamento:
É possível recalcular o valor da parcela da operação de refinanciamento sem gerar uma nova CCB. O novo valor de parcela deve ser menor que o valor original.
ENDPOINT
/v2/credit_transfer/proposal/PROPOSAL-KEY/refinancing_credit_operation/recalculateMÉTODO
PUTRequest Body
{
"financial": {
"interest_type": "pre_price_days",
"first_due_date": "2024-06-10",
"fine_configuration": {
"monthly_rate": 0.01,
"interest_base": "calendar_days",
"contract_fine_rate": 0.02
},
"credit_operation_type": "ccb",
"monthly_interest_rate": 0.0167,
"installment_face_value": 410,
"limit_days_to_disburse": 7,
"number_of_installments": 84
},
"disbursement_bank_account": {
"account_digit": "1",
"account_number": "00001",
"bank_code": "033",
"branch_number": "0001"
}
}
Response:
response.json
{
"credit_operation_key": "<CREDIT-OPERATION-KEY>",
"contract_number": "00000002",
"document_key": "<DOCUMENT-KEY da CCB de Refinanciamento>",
"document_url": "<URL da CCB de Refinanciamento>",
"credit_operation_status": "issued",
"fine_configuration": {
"contract_fine_rate": 0.02,
"interest_base": "calendar_days",
"monthly_rate": 0.01
},
"disbursement_options": [{
"installments": [{
"additional_costs": [],
"bank_slip_key": null,
"business_due_date": "2021-08-09",
"calendar_days": 53,
"digitable_line": null,
"due_date": "2021-08-08",
"due_interest": 0,
"due_principal": 997.87,
"fine_amount": null,
"has_interest": true,
"installment_key": "e3bedf31-1e87-4ba4-a36c-d52f7f5c9036",
"installment_number": 1,
"installment_status": "created",
"installment_type": "principal",
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 54.84865004983954,
"principal_amortization_amount": 306.98134995016045,
"total_amount": 361.83,
"workdays": 37
},
{
"additional_costs": [],
"bank_slip_key": null,
"business_due_date": "2021-09-08",
"calendar_days": 31,
"digitable_line": null,
"due_date": "2021-09-08",
"due_interest": 0,
"due_principal": 690.8886500498395,
"fine_amount": null,
"has_interest": true,
"installment_key": "e8406cdb-844c-4e6d-9620-3635fab9d8d1",
"installment_number": 2,
"installment_status": "created",
"installment_type": "principal",
"paid_amount": 0,
"paid_at": null,
"post_fixed_amount": 0,
"pre_fixed_amount": 21.964874249804833,
"principal_amortization_amount": 339.86512575019515,
"tax_amount": 0,
"total_amount": 361.83,
"workdays": 22
}
],
"prefixed_interest_rate": {
"annual_rate": 0.44556431,
"daily_rate": 0.00564312,
"monthly_rate": 0.0556431,
"interest_base": "calendar_days_365"
},
"iof_amount": 50,
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"contract_fee_amount": 0,
"contract_fees": [],
"number_of_installments": 2,
"disbursed_issue_amount": 997.87,
"final_disbursement_amount": 100,
"issue_amount": 1147.87,
"disbursement_date": "2021-05-31",
"cet": 1.212,
"annual_cet": 32.122
}],
"disbursement_bank_account": {
"account_digit": "1",
"account_number": "00001",
"ispb": "00000000",
"branch_number": "0001"
}
}
Correção de dados para portabilidade e refin:
É possível corrigir os dados bancários, número do benefício e nome até que o contrato de portabilidade seja averbado. Tanto os dados do operação de portabilidade quanto do refinanciamento serão ajustados. Para isso basta utilizar a seguinte chamada:
ENDPOINT
/v2/credit_transfer/proposal/PROPOSAL-KEY/collateralMÉTODO
PATCHRequest Body
- Dados Bancários
- Número do Benefício
- Nome
- Nome da Mãe
{
"disbursement_bank_account": {
"bank_code": "123",
"account_digit": "1",
"account_branch": "1234",
"account_number": "5678",
"document_number": "12345678901"
}
}
{
"benefit_number": 1234567890
}
{
"name": "Nome do Beneficiário"
}
{
"mother_name": "Nome da Mãe do Beneficiário"
}