Manual Consignado Privado - Portabilidade: Simulação
A simulação retorna as condições financeiras da operação — cronograma de parcelas, CET e o valor do Troco — antes da digitação da proposta e sem precisar coletar os dados cadastrais do cliente. Use-a para validar taxas, número de parcelas e o Troco com o trabalhador.
ENDPOINT
/v2/credit_transfer/proposal_simulationMÉTODO
POSTTroco mínimo de 5%
Em propostas com Troco, o valor do Troco precisa ser de pelo menos 5% da diferença entre a soma das parcelas do refinanciamento e a soma das parcelas da portabilidade. Caso contrário, a requisição retorna o erro 400:
STATUS
400Response Body
{
"code": "CT000118",
"title": "Bad Request",
"description": "The final disbursement amount is less than 5% of the sum of refinancing installment minus the sum of portability installment. The minimum final disbursement amount allowed is 500.00. Calculated final disbursement amount: 400.00.",
"translation": "O valor do troco é menor que 5% da soma do valor das parcelas do refinanciamento menos o valor soma das parcelas da portabilidade. O valor mínimo do troco permitido é de 500.00. Valor calculado do troco: 400.00."
}
Portabilidade com Refinanciamento
Simula a portabilidade e o refinanciamento (Troco) na mesma requisição, retornando as condições das duas operações.
Requisição
O corpo contém apenas os dados mínimos da simulação. Assim como na Digitação da Proposta, a diferença entre os dois modos está em como o refinanciamento é fixado — pela taxa (monthly_interest_rate) ou pelo valor liberado ao cliente (disbursed_amount):
- Fixando a taxa
- Fixando o valor liberado
{
"borrower": {
"person_type": "natural"
},
"collaterals": [
{
"collateral_type": "private_payroll"
}
],
"portability_credit_operation": {
"financial": {
"monthly_interest_rate": 0.0132,
"number_of_installments": 10
}
},
"refinancing_credit_operation": {
"financial": {
"days_to_accrual": 0,
"monthly_interest_rate": 0.0132,
"installment_face_value": 100,
"number_of_installments": 10
}
},
"origin_contract": {
"last_due_balance": 997.87
}
}
{
"borrower": {
"person_type": "natural"
},
"collaterals": [
{
"collateral_type": "private_payroll"
}
],
"portability_credit_operation": {
"financial": {
"installment_face_value": 100,
"number_of_installments": 10
}
},
"refinancing_credit_operation": {
"financial": {
"days_to_accrual": 0,
"disbursed_amount": 1000,
"installment_face_value": 100,
"number_of_installments": 10
}
},
"origin_contract": {
"last_due_balance": 997.87
}
}
Resposta
A resposta retorna 6 campos no nível raiz: três identificadores da proposta e três objetos com os detalhes do tomador e das operações.
Estrutura da resposta
{
"proposal_key": "...", /* chave única da proposta */
"proposal_number": "...", /* número da proposta */
"proposal_status": "pending_submission", /* status atual da proposta */
"borrower": { /* dados do tomador, inclui a related_party_key */ },
"portability_credit_operation": { /* condições da operação de portabilidade */ },
"refinancing_credit_operation": { /* condições do refinanciamento (Troco) */ }
}
| Campo | Tipo | Descrição |
|---|---|---|
proposal_key | string | Chave única da proposta. |
proposal_number | string | Número da proposta. |
proposal_status | string | Status atual da proposta (ex.: pending_submission). |
borrower | object | Dados do tomador, incluindo a related_party_key usada no envio de documentos. |
portability_credit_operation | object | Condições da operação de portabilidade: disbursement_options com o cronograma de installments, as taxas (cet, annual_cet, prefixed_interest_rate) e o issue_amount. |
refinancing_credit_operation | object | Condições do refinanciamento (Troco). O valor do Troco aparece em final_disbursement_amount. |
Exemplo completo da resposta:
response.json
{
"proposal_key": "28a925f6-570e-4724-9132-3bd42f267c4f",
"proposal_number": "17032788499215403",
"proposal_status": "pending_submission",
"borrower": {
"individual_document_number": "98765432100",
"related_party_key": "fa55dca3-3147-45d2-bb8d-941f2d7191da",
"role_type": "issuer"
},
"portability_credit_operation": {
"credit_operation_key": "a66675e6-bdc2-4468-8420-2889d5cec0a8",
"credit_operation_status": "waiting_signature",
"disbursement_accounts": [],
"disbursement_options": [
{
"annual_cet": 0.173044,
"cet": 0.0134,
"contract_fee_amount": 0.0,
"contract_fees": [
{
"amount": 0.5,
"amount_type": "percentage",
"fee_amount": 0.0,
"fee_type": "tac"
}
],
"disbursed_issue_amount": 997.87,
"disbursement_date": "2023-12-22",
"external_contract_fee_amount": 0.0,
"external_contract_fees": [
{
"amount": 0.0,
"amount_released": 0,
"amount_type": "absolute",
"cofins_amount": 0,
"csll_amount": 0,
"description": null,
"fee_amount": 0.0,
"fee_type": "spread",
"irrf_amount": 0,
"net_fee_amount": 0.0,
"pis_amount": 0,
"tax_amount": 0.0
},
{
"amount": 0.0,
"amount_released": 0,
"amount_type": "absolute",
"cofins_amount": 0,
"csll_amount": 0,
"description": null,
"fee_amount": 0.0,
"fee_type": "tac",
"irrf_amount": 0,
"net_fee_amount": 0.0,
"pis_amount": 0,
"tax_amount": 0.0
},
{
"amount": 0.0,
"amount_released": 0,
"amount_type": "absolute",
"cofins_amount": 0,
"csll_amount": 0,
"description": null,
"fee_amount": 0.0,
"fee_type": "insurance_premium",
"irrf_amount": 0,
"net_fee_amount": 0.0,
"pis_amount": 0,
"tax_amount": 0.0
}
],
"installments": [
{
"business_due_date": "2024-02-22",
"calendar_days": 62,
"due_date": "2024-02-22",
"due_principal": 997.87,
"installment_number": 1,
"pre_fixed_amount": 27.413791524708554,
"principal_amortization_amount": 81.34620847529145,
"total_amount": 108.76,
"workdays": 40
},
{
"business_due_date": "2024-03-22",
"calendar_days": 29,
"due_date": "2024-03-22",
"due_principal": 916.5237915247086,
"installment_number": 2,
"pre_fixed_amount": 11.692366920719124,
"principal_amortization_amount": 97.06763307928088,
"total_amount": 108.76,
"workdays": 21
},
{
"business_due_date": "2024-04-22",
"calendar_days": 31,
"due_date": "2024-04-22",
"due_principal": 819.4561584454277,
"installment_number": 3,
"pre_fixed_amount": 11.179911547915339,
"principal_amortization_amount": 97.58008845208467,
"total_amount": 108.76,
"workdays": 20
},
{
"business_due_date": "2024-05-22",
"calendar_days": 30,
"due_date": "2024-05-22",
"due_principal": 721.876069993343,
"installment_number": 4,
"pre_fixed_amount": 9.5288330736045,
"principal_amortization_amount": 99.2311669263955,
"total_amount": 108.76,
"workdays": 21
},
{
"business_due_date": "2024-06-24",
"calendar_days": 33,
"due_date": "2024-06-24",
"due_principal": 622.6449030669476,
"installment_number": 5,
"pre_fixed_amount": 9.046812945831448,
"principal_amortization_amount": 99.71318705416856,
"total_amount": 108.76,
"workdays": 22
},
{
"business_due_date": "2024-07-22",
"calendar_days": 28,
"due_date": "2024-07-22",
"due_principal": 522.9317160127789,
"installment_number": 6,
"pre_fixed_amount": 6.439743824282488,
"principal_amortization_amount": 102.32025617571752,
"total_amount": 108.76,
"workdays": 20
},
{
"business_due_date": "2024-08-22",
"calendar_days": 31,
"due_date": "2024-08-22",
"due_principal": 420.61145983706143,
"installment_number": 7,
"pre_fixed_amount": 5.738438681013405,
"principal_amortization_amount": 103.0215613189866,
"total_amount": 108.76,
"workdays": 23
},
{
"business_due_date": "2024-09-23",
"calendar_days": 32,
"due_date": "2024-09-23",
"due_principal": 317.58989851807485,
"installment_number": 8,
"pre_fixed_amount": 4.473657660291388,
"principal_amortization_amount": 104.28634233970861,
"total_amount": 108.76,
"workdays": 22
},
{
"business_due_date": "2024-10-22",
"calendar_days": 29,
"due_date": "2024-10-22",
"due_principal": 213.30355617836625,
"installment_number": 9,
"pre_fixed_amount": 2.721176981322744,
"principal_amortization_amount": 106.03882301867725,
"total_amount": 108.76,
"workdays": 21
},
{
"business_due_date": "2024-11-22",
"calendar_days": 31,
"due_date": "2024-11-22",
"due_principal": 107.26473315968899,
"installment_number": 10,
"pre_fixed_amount": 1.4934220715493307,
"principal_amortization_amount": 107.26657792845067,
"total_amount": 108.76,
"workdays": 22
}
],
"issue_amount": 997.87,
"number_of_installments": 10,
"prefixed_interest_rate": {
"annual_rate": 0.17042118,
"daily_rate": 0.00043722,
"interest_base": "calendar_days",
"monthly_rate": 0.0132
},
"total_iof": 0.0
}
],
"final_disbursement_amount": 0.0
},
"refinancing_credit_operation": {
"credit_operation_key": "aaf9abe0-2b8a-4688-8e09-413e1bd5285e",
"credit_operation_status": "waiting_signature",
"disbursement_accounts": [],
"disbursement_options": [
{
"annual_cet": 0.172031,
"cet": 0.0133,
"contract_fee_amount": -0.4,
"contract_fees": [
{
"amount": 0.5,
"amount_type": "percentage",
"fee_amount": -0.4,
"fee_type": "tac"
}
],
"disbursed_issue_amount": 918.04,
"disbursement_date": "2023-12-22",
"external_contract_fee_amount": 0.0,
"external_contract_fees": [
{
"amount": 0.0,
"amount_released": 0,
"amount_type": "absolute",
"cofins_amount": 0,
"csll_amount": 0,
"description": null,
"fee_amount": 0.0,
"fee_type": "spread",
"irrf_amount": 0,
"net_fee_amount": 0.0,
"pis_amount": 0,
"tax_amount": 0.0
},
{
"amount": 0.0,
"amount_released": 0,
"amount_type": "absolute",
"cofins_amount": 0,
"csll_amount": 0,
"description": null,
"fee_amount": 0.0,
"fee_type": "tac",
"irrf_amount": 0,
"net_fee_amount": 0.0,
"pis_amount": 0,
"tax_amount": 0.0
},
{
"amount": 0.0,
"amount_released": 0,
"amount_type": "absolute",
"cofins_amount": 0,
"csll_amount": 0,
"description": null,
"fee_amount": 0.0,
"fee_type": "insurance_premium",
"irrf_amount": 0,
"net_fee_amount": 0.0,
"pis_amount": 0,
"tax_amount": 0.0
}
],
"installments": [
{
"business_due_date": "2024-02-22",
"calendar_days": 62,
"due_date": "2024-02-22",
"due_principal": 917.64,
"installment_number": 1,
"pre_fixed_amount": 25.2095730147,
"principal_amortization_amount": 74.7904269853,
"total_amount": 100.0,
"workdays": 40
},
{
"business_due_date": "2024-03-22",
"calendar_days": 29,
"due_date": "2024-03-22",
"due_principal": 842.8495730147,
"installment_number": 2,
"pre_fixed_amount": 10.7524369787,
"principal_amortization_amount": 89.2475630213,
"total_amount": 100.0,
"workdays": 21
},
{
"business_due_date": "2024-04-22",
"calendar_days": 31,
"due_date": "2024-04-22",
"due_principal": 753.6020099934,
"installment_number": 3,
"pre_fixed_amount": 10.2814172859,
"principal_amortization_amount": 89.7185827141,
"total_amount": 100.0,
"workdays": 20
},
{
"business_due_date": "2024-05-22",
"calendar_days": 30,
"due_date": "2024-05-22",
"due_principal": 663.8834272793,
"installment_number": 4,
"pre_fixed_amount": 8.7632941742,
"principal_amortization_amount": 91.2367058258,
"total_amount": 100.0,
"workdays": 21
},
{
"business_due_date": "2024-06-24",
"calendar_days": 31,
"due_date": "2024-06-22",
"due_principal": 572.6467214535,
"installment_number": 5,
"pre_fixed_amount": 7.8126464787,
"principal_amortization_amount": 92.1873535213,
"total_amount": 100.0,
"workdays": 21
},
{
"business_due_date": "2024-07-22",
"calendar_days": 30,
"due_date": "2024-07-22",
"due_principal": 480.4593679322,
"installment_number": 6,
"pre_fixed_amount": 6.3420966342,
"principal_amortization_amount": 93.6579033658,
"total_amount": 100.0,
"workdays": 21
},
{
"business_due_date": "2024-08-22",
"calendar_days": 31,
"due_date": "2024-08-22",
"due_principal": 386.8014645664,
"installment_number": 7,
"pre_fixed_amount": 5.2771618926,
"principal_amortization_amount": 94.7228381074,
"total_amount": 100.0,
"workdays": 23
},
{
"business_due_date": "2024-09-23",
"calendar_days": 31,
"due_date": "2024-09-22",
"due_principal": 292.078626459,
"installment_number": 8,
"pre_fixed_amount": 3.9848593609,
"principal_amortization_amount": 96.0151406391,
"total_amount": 100.0,
"workdays": 21
},
{
"business_due_date": "2024-10-22",
"calendar_days": 30,
"due_date": "2024-10-22",
"due_principal": 196.0634858199,
"installment_number": 9,
"pre_fixed_amount": 2.5880710578,
"principal_amortization_amount": 97.4119289422,
"total_amount": 100.0,
"workdays": 22
},
{
"business_due_date": "2024-11-22",
"calendar_days": 31,
"due_date": "2024-11-22",
"due_principal": 98.6515568777,
"installment_number": 10,
"pre_fixed_amount": 1.3459361963,
"principal_amortization_amount": 98.6540638037,
"total_amount": 100.0,
"workdays": 22
}
],
"issue_amount": 917.64,
"number_of_installments": 10,
"prefixed_interest_rate": {
"annual_rate": 0.17042118,
"daily_rate": 0.00043722,
"interest_base": "calendar_days",
"monthly_rate": 0.0132
},
"total_iof": 0.0
}
],
"final_disbursement_amount": -79.83
}
}
Portabilidade pura
Para simular uma portabilidade sem liberação de Troco, envie apenas portability_credit_operation — sem o objeto refinancing_credit_operation.
Requisição
request.json
{
"borrower": {
"person_type": "natural"
},
"collaterals": [
{
"collateral_type": "private_payroll"
}
],
"portability_credit_operation": {
"financial": {
"monthly_interest_rate": 0.0132,
"installment_face_value": 100,
"number_of_installments": 10
}
},
"origin_contract": {
"last_due_balance": 997.87
}
}
Resposta
response.json
{
"portability_credit_operation": {
"fine_configuration": {
"contract_fine_rate": 0.02,
"interest_base": "calendar_days",
"monthly_rate": 0.01
},
"disbursement_options": [
{
"installments": [
{
"bank_slip_key": null,
"digitable_line": null,
"business_due_date": "2021-08-09",
"calendar_days": 53,
"due_date": "2021-08-08",
"due_principal": 997.87,
"installment_key": "e3bedf31-1e87-4ba4-a36c-d52f7f5c9036",
"installment_number": 1,
"pre_fixed_amount": 54.84865004983954,
"principal_amortization_amount": 306.98134995016045,
"total_amount": 361.83,
"workdays": 37
},
{
"bank_slip_key": null,
"digitable_line": null,
"business_due_date": "2021-09-08",
"calendar_days": 31,
"due_date": "2021-09-08",
"due_principal": 690.89,
"installment_key": "e8406cdb-844c-4e6d-9620-3635fab9d8d1",
"installment_number": 2,
"pre_fixed_amount": 21.964874249804833,
"principal_amortization_amount": 339.86512575019515,
"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": 0,
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"contract_fee_amount": 0,
"contract_fees": [],
"number_of_installments": 2,
"disbursed_issue_amount": 1000,
"issue_amount": 1000,
"disbursement_date": "2021-05-31",
"cet": 1.212,
"annual_cet": 32.122
}
]
}
}