Consulta de valor presente de uma operação
Para descobrir o valor presente que sera ultilizado no refinanciamento de uma operação é possivel ultilizar o endpoint de consulta de dividas indicando 4 query params chave listados abaixo.
Request
ENDPOINT
/debtMÉTODO
GETQuery Params
| Campo | Tipo | Descrição | Caracteres |
|---|---|---|---|
key * | string | Chave da divida devolvida no momento da criação da operação de crédito. | - |
eval_present_value * | string | Indica que o valor atual de cada parcela deve ser calculado e mostrado. | - |
calculate_delay * | string | indica que se a parcela estiver vencida os juros de mora e multa devem ser calculados com o valor presente. | - |
calculate_spread * | booleano | indica que se valor de spread da operação deve ser adicionado ao valor presente (para operações de refinanciamento deve ser falso). | - |
Response
STATUS
200Response Body
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"after_disbursement_actions": [],
"all_day_disbursement": true,
"annual_cet": 41.0883,
"assigned": false,
"assigned_at": null,
"assignment_amount": 3038.72,
"attached_document_list": [{
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"document_key": "5df59dca-b8d1-4dca-8358-8b4bd944f3dc",
"document_type": {
"enumerator": "document_identification",
"translation_path": "co.DocumentType.document_identification"
},
"document_url": "https://storage.googleapis.com/sandbox-doc-api/documents/5df59dca-b8d1-4dca-8358-8b4bd944f3dc/image_1666180300436.jpg",
"related_party_key": null,
"signature_required": false,
"signature_url": null,
"signed": false
}],
"balance_due": 3150.62,
"base_iof": 27.17569413,
"calculus_correction": null,
"central_depository": null,
"cet": 2.91,
"cetip_assignments": [],
"cetip_settlements": [],
"collateral_constituted": true,
"collateral_type": null,
"collaterals": [],
"contract_fee_amount": 0,
"contract_fees": [],
"contract_number": "TESTE118261",
"created_at": "2022-10-19T11:53:00",
"credit_operation_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
"credit_operation_status": {
"enumerator": "opened",
"translation_path": "co.CreditOperationStatus.opened",
"translation_ptbr": "Desembolsada"
},
"credit_operation_type": {
"enumerator": "ccb",
"translation_path": "co.CreditOperationType.ccb"
},
"credit_rating": null,
"creditor_bank_account_key": "5d068423-6094-49e4-b15b-7740038295a8",
"custodian": {
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"translation_path": "co.Custodian.qi_scd"
},
"decimal_annual_cet": 0.43241941956989105,
"decimal_cet": 0.0304,
"disburse_before_assign": true,
"disbursed_at": "2022-10-19T11:54:47",
"disbursed_issue_amount": 3000,
"disbursement_account": [{
"account_branch": "1234",
"account_digit": "1",
"account_number": "2345678601",
"account_type": "checking_account",
"amount_receivable": null,
"created_at": "2022-10-19T11:53:01",
"digitable_line": null,
"disbursement_type": "pix",
"document_number": "92147661180",
"financial_institutions": {
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"is_active": true,
"is_pix_participant": true,
"ispb": 360305,
"name": "CAIXA ECONOMICA FEDERAL"
},
"financial_institutions_code_number": 104,
"is_pix_disbursement": true,
"ispb": "00360305",
"name": "104 CAIXA ECONOMICA FEDERAL",
"percentage_receivable": 100,
"pix_key": null,
"pix_transfer_key": "da80477f-412e-40a5-81b0-c830b238081e",
"pix_type": "manual",
"qr_code_key": null,
"retry_counter": 0,
"retry_vector": null,
"transaction_key": null,
"webhook_key": null
}],
"disbursement_callback": {
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"origin_type": "lego-api",
"status": "opened",
"transaction_receipts": [{
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"description": "00360305 1234 2345678601-1 92147661180 - 104 CAIXA ECONOMICA FEDERAL",
"destination": {
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"branch_digit": null,
"document": "92147661180",
"name": "104 CAIXA ECONOMICA FEDERAL",
"purpose": "Crédito PIX em Conta",
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},
"fee": 0,
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"document": "32402502000135",
"name": "QI SOCIEDADE DE CRÉDITO DIRETO S.A.",
"type": "payment_account"
},
"origin_transaction_key": null,
"timestamp": "2022-10-19T11:55:03",
"transaction_key": "da80477f-412e-40a5-81b0-c830b238081e"
}]
},
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"disbursement_end_date": "2022-10-19",
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"calculus_correction": null,
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"interest_subsidy_amount": 0,
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"prefixed_interest_rate": null,
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"effective_end_date": null,
"fixed_interest_rate": 0
},
"endorsement": null,
"entry": null,
"events": [],
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"extra_fields": null,
"facial_biometrics_enabled": false,
"final_disbursement_amount": 3000,
"financial_index": null,
"fine_configuration": {
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"created_at": "2022-10-19T11:53:00",
"fine_delay_rate": {
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"first_due_date": "2022-11-18",
"first_due_date_delay": null,
"if_code": null,
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"installment_old_status": {
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"translation_path": "co.InstallmentStatus.created"
},
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}],
"fine_amount": null,
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"installment_payment": [],
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"translation_path": "co.InstallmentStatus.opened"
},
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},
"original_due_principal": 1068.62899741,
"original_pre_fixed_amount": 23.02305805,
"original_principal_amortization_amount": 529.28694195,
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},
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"renegotiation_proposal_key": null,
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},
{
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"business_due_date": "2023-04-19",
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"cetip_settlements": [],
"created_at": "2022-10-19T11:53:01",
"digitable_line": "32990001031000699925353000000207293240000055232",
"due_date": "2023-04-18",
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"events": [{
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"event_date": "2022-10-19T11:54:47",
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"translation_path": "co.InstallmentEventType.open"
},
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},
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}],
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},
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},
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},
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],
"interest_grace_period": 0,
"interest_payment_month_period": 1,
"interest_subsidy_amount": 0,
"interest_subsidy_percentage": 0,
"interest_type": {
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"translation_path": "co.InterestType.pre_price_days"
},
"iof_charge_method": "financed",
"ipoc_code": "324025020203192147661180DiDi118261",
"is_allowed_to_disburse": true,
"is_portability": false,
"is_refinancing": 0,
"isin_number": null,
"issue_amount": 3038.72,
"issue_date": "2022-10-19",
"issuer_document_number": "92147661180",
"issuer_name": "Wxy Wsx",
"kyc": null,
"modality": {
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"description": "crédito pessoal - sem consignação em folha de pagam.",
"enumerator": null,
"visible": true
},
"net_external_contract_fee_amount": 0,
"next_due_date": "2022-12-19",
"number_of_installments": 6,
"operation_extra_fields": null,
"operation_type": {
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"translation_path": "co.OperationType.structured_operation"
},
"origin_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
"origin_type": {
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},
"original_prefixed_interest_rate": {
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"created_at": "2022-10-19T11:53:00",
"daily_rate": 0.00082017,
"interest_base": {
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"translation_path": "co.InterestBase.calendar_days",
"year_days": 360
},
"monthly_rate": 0.0249
},
"original_total_iof": 38.72,
"payment_and_settlement_agent": {
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"translation_path": "co.PaymentAndSettlementAgent.qi_scd"
},
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},
"payroll_data": null,
"portability_amount": null,
"portability_financial_institution_code_number": null,
"portability_original_contract": null,
"post_fixed_interest_base": {
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"year_days": 252
},
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"prefixed_interest_rate": {
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"created_at": "2022-10-19T11:53:00",
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"year_days": 360
},
"monthly_rate": 0.0249
},
"principal_amortization_month_period": 1,
"principal_grace_period": 0,
"purchaser_document_number": "32402502000135",
"rebate_account": null,
"refinanced_credit_operations": [],
"registration_institution": {
"enumerator": "qi_scd",
"translation_path": "co.RegistrationInstitution.qi_scd"
},
"related_party_list": [{
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"complement": null,
"created_at": "2022-10-19T11:52:59",
"neighborhood": "Aguascalientes",
"number": "1",
"postal_code": "20000000",
"state": "SP",
"street": "Zona Centro"
},
"attached_document_list": [{
"created_at": "2022-10-19T11:53:01",
"document_key": "5df59dca-b8d1-4dca-8358-8b4bd944f3dc",
"document_type": {
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"translation_path": "co.DocumentType.document_identification"
},
"document_url": "https://storage.googleapis.com/sandbox-doc-api/documents/5df59dca-b8d1-4dca-8358-8b4bd944f3dc/image_1666180300436.jpg",
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"signature_required": false,
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}],
"birth_date": "1997-10-19",
"birth_place": null,
"cnae_code": null,
"company_document_number": null,
"created_at": "2022-10-19T11:53:01",
"document_identification_date": null,
"document_identification_number": "",
"document_identification_type": null,
"email": "wxr@ff.com",
"foundation_date": null,
"gender": null,
"income": 0.01,
"individual_document_number": "92147661180",
"is_pep": false,
"marital_status": {
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"translation_path": "co.MaritalStatus.single"
},
"mother_name": null,
"name": "Wxy Wsx",
"nationality": "nationality",
"person_type": "natural",
"phone": {
"area_code": "00",
"country_code": "055",
"created_at": "2022-10-19T11:53:00",
"number": "016048311",
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},
"profession": null,
"property_system": null,
"related_party_key": "203b2ada-ff3e-44a6-a843-f244aa1afbc9",
"revenue": null,
"role_type": {
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"translation_path": "co.RoleType.issuer"
},
"simples_nacional_participant": null,
"spouse_document_number": null,
"trading_name": null
}],
"requester_identifier_key": "89bb875a4a654ecfbad0c6ce0b3b5037",
"requester_key": "75f2ab85-a5ce-40b9-9b1e-915175906d78",
"requester_name": "DiDi Global (99Pay)",
"resource_source_account": {
"enumerator": "third_party",
"translation_path": "co.ResourceSourceAccount.third_party"
},
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"settlement_bank_account_key": null,
"share_quantity": 4,
"signature_method": {
"enumerator": "email"
},
"tax_configuration": {
"created_at": "2019-03-15T13:09:32",
"iof_additional_rate": 0.0038,
"iof_rate": 0.000082
},
"tax_exempt_amount": null,
"third_party_account_key": "5d068423-6094-49e4-b15b-7740038295a8",
"total_iof": 38.72
},
"operation_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
"status": "opened",
"webhook_type": "signed_debt"
}
Atenção!
Dentro do array de parcelas sera retornado o valor presene calculado de cada parcela em "present_amount", seu somatorio sera o valor presente considerado para o contrato no momento da solicitação do refinanciamento.
STATUS
400Response Body
{
"data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}