Legacy debt simulation
At QI Tech, we provide our clients with the ability to simulate the values of a credit operation before its actual issuance. The simulation follows the same pattern as the debt issuance request, but it is not necessary to provide the borrower's registration data and disbursement account.
Request
In the example below, a debt simulation request is described.
ENDPOINT
/debt_simulationMETHOD
POSTRequest Body
- Due date and installment amount
- Rate and installment date
{
"borrower": {
"person_type": "natural"
},
"financial": {
"desired_installments": [
{
"total_amount": 578.69,
"due_date": "2027-04-01"
},
{
"total_amount": 304.25,
"due_date": "2028-04-01"
}
],
"interest_type": "pre_price_days",
"disbursement_date": "2026-09-06",
"fine_configuration": {
"monthly_rate": 0.0,
"interest_base": "calendar_days",
"contract_fine_rate": 0.0
},
"annual_interest_rate": 0.2387205,
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"number_of_installments": 2,
"principal_grace_period": 0,
"rebates": [
{
"amount": 10,
"fee_type": "tac",
"amount_type": "absolute",
"rebate_bank_account": {
"name": "CONTA BANCARIA",
"bank_code": "329",
"account_digit": "1",
"branch_number": "0001",
"account_number": "00003",
"document_number": "32402502000135"
}
}
]
}
}
{
"borrower": {
"person_type": "natural"
},
"financial": {
"interest_type": "pre_price_days",
"disbursement_start_date": "2025-09-03",
"disbursement_end_date": "2025-09-03",
"issue_date": "2025-09-03",
"fine_configuration": {
"monthly_rate": 0,
"contract_fine_rate": 0,
"interest_base": "calendar_days"
},
"monthly_interest_rate": 0.1929244498,
"disbursed_amount": 10000.00,
"credit_operation_type": "ccb",
"interest_grace_period": 0,
"number_of_installments": 18,
"principal_grace_period": 0,
"due_dates": [
"2025-09-28",
"2025-10-28",
"2025-11-28",
"2025-12-28",
"2026-01-28",
"2026-02-28",
"2026-03-28",
"2026-04-28",
"2026-05-28",
"2026-06-28",
"2026-07-28",
"2026-08-28",
"2026-09-28",
"2026-10-28",
"2026-11-28",
"2026-12-28",
"2027-01-28",
"2027-02-28"
]
}
}
Response
STATUS
200Response Body
{
"type": "debt",
"key": "bf84379c-d4cf-4f16-a63c-865c129e6fce",
"status": "finished",
"event_datetime": "2025-03-27 22:28:37",
"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": 0.23872053,
"monthly_rate": 0.0179999999,
"daily_rate": 0.0005866899
},
"issue_date": "2026-09-06",
"number_of_installments": 2,
"requester_key": "f2b3b903-aa41-4a79-8b2f-abc3cc5a6590",
"final_disbursement_amount": 701.6,
"total_pre_fixed_amount": 153.0,
"iof_amount": 18.34,
"cet": 0.0219,
"annual_cet": 0.297,
"disbursement_date": "2026-09-06",
"installments": [
{
"calendar_days": 207,
"workdays": 140,
"business_due_date": "2027-04-01",
"due_date": "2027-04-01",
"due_principal": 729.94,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 94.22564648,
"tax_amount": 8.22329794,
"total_amount": 578.69,
"principal_amortization_amount": 484.46435352,
"installment_number": 1
},
{
"calendar_days": 366,
"workdays": 253,
"business_due_date": "2028-04-03",
"due_date": "2028-04-01",
"due_principal": 245.47564648,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 58.77435352,
"tax_amount": 7.3470861,
"total_amount": 304.25,
"principal_amortization_amount": 245.47564648,
"installment_number": 2
}
],
"external_contract_fees": [
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 10.0,
"fee_amount": 10.0,
"tax_amount": 1.42,
"net_fee_amount": 8.58,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 8.58,
"description": null
},
{
"fee_type": "spread_tax_free",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "tac_tax_free",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0,
"description": null
}
],
"contract_fee_amount": 3.65,
"external_contract_fee_amount": 10.0,
"net_external_contract_fee_amount": 8.58,
"contract_fees": [
{
"fee_type": "spread",
"amount_type": "percentage",
"amount": 0.5,
"fee_amount": 3.65
},
{
"fee_type": "spread_ted_fee",
"amount_type": "absolute",
"amount": 3.0,
"fee_amount": 3.0
}
],
"issue_amount": 729.94,
"disbursed_issue_amount": 701.6,
"assignment_amount": 736.59,
"disbursement_options": [
{
"iof_amount": 18.34,
"total_pre_fixed_amount": 153.0,
"cet": 0.0219,
"annual_cet": 0.297,
"contract_fees": [
{
"fee_type": "spread",
"amount_type": "percentage",
"amount": 0.5,
"fee_amount": 3.65
},
{
"fee_type": "spread_ted_fee",
"amount_type": "absolute",
"amount": 3.0,
"fee_amount": 3.0
}
],
"external_contract_fees": [
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 10.0,
"fee_amount": 10.0,
"tax_amount": 1.42,
"net_fee_amount": 8.58,
"csll_amount": 0.0,
"irrf_amount": 0.0,
"pis_amount": 0.0,
"cofins_amount": 0.0,
"amount_released": 8.58,
"description": null
},
{
"fee_type": "spread_tax_free",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0.0,
"description": null
},
{
"fee_type": "tac_tax_free",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0.0,
"description": null
},
{
"fee_type": "insurance_premium",
"amount_type": "absolute",
"amount": 0.0,
"fee_amount": 0.0,
"tax_amount": 0.0,
"net_fee_amount": 0.0,
"csll_amount": 0,
"irrf_amount": 0,
"pis_amount": 0,
"cofins_amount": 0,
"amount_released": 0.0,
"description": null
}
],
"contract_fee_amount": 3.65,
"external_contract_fee_amount": 10.0,
"net_external_contract_fee_amount": 8.58,
"disbursement_date": "2026-09-06",
"first_due_date": "2027-04-01",
"installments": [
{
"calendar_days": 207,
"workdays": 140,
"business_due_date": "2027-04-01",
"due_date": "2027-04-01",
"due_principal": 729.94,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 94.22564648,
"tax_amount": 8.22329794,
"total_amount": 578.69,
"principal_amortization_amount": 484.46435352,
"installment_number": 1
},
{
"calendar_days": 366,
"workdays": 253,
"business_due_date": "2028-04-03",
"due_date": "2028-04-01",
"due_principal": 245.47564648,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 58.77435352,
"tax_amount": 7.3470861,
"total_amount": 304.25,
"principal_amortization_amount": 245.47564648,
"installment_number": 2
}
],
"issue_amount": 729.94,
"disbursed_issue_amount": 701.6,
"assignment_amount": 736.59,
"final_disbursement_amount": 701.6,
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 0.23872053,
"monthly_rate": 0.0179999999,
"daily_rate": 0.0005866899
}
}
]
}
}
Definitions
Request Body
Borrower Object
| Field | Type | Description | Enum |
|---|---|---|---|
| person_type | object | Legal nature of the operation borrower | natural or legal |
Financial Object
| Field | Type | Description | Max. Char. |
|---|---|---|---|
| amout | float | Issue/nominal value of the credit operation | - |
| interest_type | object | Interest Type Enumerator - Amortization method and interest calculation form | - |
| credit_operation_type | object | Credit Operation Type Enumerator - Type of credit contract | - |
| annual_interest_rate | float | Pre-fixed interest rate expressed as decimal per year | - |
| disbursement_date | date | Operation disbursement date | - |
| interest_grace_period | int | Interest grace period (in months) | - |
| principal_grace_period | int | Principal grace period | - |
| number_of_installments | int | Number of installments of the credit operation | - |
| fine_configuration | object | fine_configuration Object - Interest and late fee configuration | - |
Fine Configuration Object
| Field | Type | Description | Max. Char. |
|---|---|---|---|
| contract_fine_rate | float | Late fee percentage expressed as decimal | - |
| interest_base | enum | Interest Base Enumerator - Interest calculation base | - |
| monthly_rate | float | Late interest percentage per month expressed as decimal | - |
Response Body
| Field | Type | Description | Max. Char. |
|---|---|---|---|
| data.data | object | Data Object | - |
| data.event_datetime | date | Simulation generation timestamp | - |
| data.key | string | Unique simulation key | - |
| data.status | string | finished | - |
| data.type | string | debt | - |
Data Object
| Field | Type | Description | Max. Char. |
|---|---|---|---|
| annual_cet | float | Total effective cost expressed as decimal per year | - |
| assignment_amount | float | Credit operation acquisition value | - |
| cet | float | Total effective cost expressed as decimal per month | - |
| contract_fee_amount | float | QI Tech fee charged on the operation | - |
| contract_fees | object | Contract Fees Object - List of QI Tech fees charged on the operation | - |
| credit_operation_type | enum | Credit Operation Type Enumerator - Type of credit contract | - |
| disbursed_issue_amount | float | Disbursed value in the credit operation | - |
| disbursement_date | date | Operation disbursement date | - |
| disbursement_options | list | List of operation disbursement options (financial values of the operation may vary according to disbursement day) | - |
| external_contract_fee_amount | float | Fee value charged on the operation rebated by QI to partner | - |
| external_contract_fees | list | Contract Fees Object - List of fees charged on the operation rebated by QI to partner | - |
| final_disbursement_amount | float | Value effectively disbursed to the borrower | - |
| installments | list | Installments Object - Operation installments | - |
| interest_grace_period | int | Interest grace period (in months) | - |
| interest_payment_month_period | int | Interest charge frequency in installments (in months) | - |
| interest_type | enum | Interest Type Enumerator - Amortization method and interest calculation form | - |
| iof_amount | float | Total IOF value (composed of the sum of Base IOF and Total IOF) | - |
| issue_amount | float | Issue/nominal value of the credit operation | - |
| issue_date | date | Operation contract issue date | - |
| net_external_contract_fee_amount | float | Net fee value charged on the operation rebated by QI to partner | - |
| operation_type | enum | Operation Type Enumerator | - |
| post_fixed_interest_base | enum | Interest Base Enumerator - Interest calculation base | - |
| post_fixed_interest_rate | object | Interest Rate Object - Post-fixed interest indexer of the contract | - |
| prefixed_interest_rate | object | Interest Rate Object - Pre-fixed nominal interest rate of the contract | - |
| principal_amortization_month_period | int | Principal charge frequency in installments (in months) | - |
| principal_grace_period | int | Principal grace period (in months) | - |
| requester_key | string | Unique identifying key of the partner within QI. | - |
| total_pre_fixed_amount | float | Total interest paid by the borrower in the credit operation | - |
Contract Fees Object
| Field | Type | Description | Max. Char. |
|---|---|---|---|
| amount | float | Fee value (in percentage or absolute value, depending on the value informed in the amount_type field | - |
| amount_type | enum | amount_type Enumerators - Fee value unit | - |
| fee_amount | float | Absolute fee value charged on the operation | - |
| fee_type | enum | Fee Type Enumerator - Type of fee charged on the operation | - |
Installments Object
| Field | Type | Description | Max. Char. |
|---|---|---|---|
| business_due_date | date | Installment due date on business day | - |
| calendar_days | int | How many calendar days between one installment and another | - |
| due_date | date | Installment due date on calendar day | - |
| due_principal | float | Remaining principal on installment due date before its payment | - |
| has_interest | boolean | true - Interest incidence indicator on installment | - |
| installment_number | int | Installment number | - |
| post_fixed_amount | float | Post-fixed interest value paid on installment | - |
| pre_fixed_amount | float | Pre-fixed interest value paid on installment | - |
| principal_amortization_amount | float | Amortization value paid on installment | - |
| tax_amount | float | Installment Base IOF | - |
| total_amount | float | Total installment value | - |
| workdays | int | How many business days between one installment and another | - |
Interest Rate Object
| Field | Description | Max. Char. |
|---|---|---|
| annual_rate | Pre/post interest rate expressed as decimal per year | - |
| daily_rate | Pre/post interest rate expressed as decimal per day | - |
| interest_base | Interest Base Enumerator - Interest calculation base | - |
| monthly_rate | Pre/post interest rate expressed as decimal per month | - |
Enumerators
Person Type Enumerator
| Enumerator | Description |
|---|---|
| legal | Legal entity |
| natural | Natural person |
Account Type Enumerator
| Enumerator | Description |
|---|---|
| checking_account | Checking account |
| deposit_account | Deposit account |
| guaranteed_account | Guaranteed account |
| investment_account | Investment account |
| payment_account | Payment account |
| saving_account | Savings account |
| salary_account | Salary account |
Amount Type Enumerator
| Enumerator | Description |
|---|---|
| absolute | Absolute value |
| percentage | Percentage value |
Interest Type Enumerator
| Enumerator | Description |
|---|---|
| pre_price_days | Price amortization method (equal installments) with pre-fixed interest calculation per day |
| pre_price | Price amortization method (equal installments) with pre-fixed interest calculation in fixed periods (30 days) |
| pre_sac | SAC amortization method (constant amortization) with pre-fixed interest calculation per day |
| post_sac | SAC amortization method (constant amortization) with interest calculation based on a pre-fixed rate + post-fixed indexer (cdi, ipca or igpm) per day |
| post_price | Price amortization method (equal installments) with interest calculation based on a pre-fixed rate + post-fixed indexer (cdi, ipca or igpm) in fixed periods (30 days) |
| post_price_days | Price amortization method (equal installments) with interest calculation based on a pre-fixed rate + post-fixed indexer (cdi, ipca or igpm) per day |
Credit Operation Type Enumerator
| Enumerator | Description |
|---|---|
| ccb | Bank Credit Note |
| cce | Export Credit Note |
| cci | Real Estate Credit Note |
| nce | Export Credit Note |
Interest Base Enumerator
| Enumerator | Description |
|---|---|
| workdays | Interest calculation base in business days considering a year of 252 days |
| calendar_days | Interest calculation base in calendar days considering a year of 360 days |
| calendar_days_365 | Interest calculation base in calendar days considering a year of 365 days |
Fee Type Enumerator
Each fee type must be previously enabled and configured by QI Tech
| Enumerator | Description |
|---|---|
| tac | Account opening fee |
| spread | Premium charged on the credit operation acquisition value |
| warranty_analysis | Warranty analysis fee |
| ted_fee | TED fee |
| spread_ted_fee | TED fee premium charged on the credit operation acquisition value |