Recalculate Credit Operation
Recalculates the financial terms of an existing credit operation based on a new installment face value. Ideal for when the beneficiary's consignable margin changes and the installment amount needs to be adjusted.
Advantages
- Preserves original terms — interest rates, tenors, and operation structure are maintained; only the installment value changes
- Immediate response — the operation is recalculated and returned in the same call, no async processing
- Automatic validation — the endpoint verifies preconditions, rate limits, and INSS rules before applying
Request
ENDPOINT
/v2/credit_operation/CREDIT_OPERATION_KEY/recalculateMETHOD
POSTPath Params
credit_operation_keystring (UUID)requiredUnique key of the credit operation to be recalculated.Body Params
installment_face_valuenumberrequiredNew installment face value. Must be less than or equal to the original value and above the minimum threshold.{
"installment_face_value": 180.50
}
Warning
The new installment_face_value can only be reduced from the original value. The endpoint rejects values above the original or outside the allowed variance range.
Preconditions
The operation must meet all of the following conditions to be recalculated:
| Condition | Error if not met |
|---|---|
| Operation exists | COP000027 (404) |
| Requester owns the operation | QIT000005 (403) |
Collateral type is social_security | COP000276 |
Status: waiting_signature, issued, or canceled | COP000489 |
| Collateral not yet constituted | COP000489 |
Operation type: structured_operation | COP000489 |
| Disbursement end date not expired | COP000489 |
Original operation has an installment_face_value | COP000489 |
| New value within allowed limits | COP000490 |
Response
STATUS
200Returns the full recalculated credit operation object — same structure as the credit operation query by key.
Errors
| HTTP Code | QI Code | Description | Translation |
|---|---|---|---|
| 404 | COP000027 | Credit Operation not found | Operação não encontrada |
| 403 | QIT000005 | Selected agent does not own this item | O agente selecionado não é dono do item |
| 400 | COP000276 | Collateral type doesn't allow recalculation | Garantia do contrato não permite que a operação seja recalculada |
| 400 | COP000335 | Assignment amount exceeds operation final amount | O valor de cessão é superior ao valor final da operação |
| 400 | COP000339 | Final disbursement amount cannot be negative | O valor de desembolso final não pode ser negativo |
| 400 | COP000489 | Operation not allowed to be recalculated | A operação de crédito não está permitida para ser recalculada |
| 400 | COP000490 | Installment face value variance not allowed | A variação do valor da parcela não está permitida |
Detailed reasons for error COP000489
The COP000489 code is returned for different unmet preconditions. The reason field in the response indicates the specific cause:
| Reason | Description |
|---|---|
| Invalid status | Credit operation status does not allow recalculation |
| Collateral already constituted | The credit operation collateral has already been constituted |
| Invalid operation type | Credit operation type does not allow recalculation |
| Disbursement date expired | The credit operation disbursement end date is in the past |
| Missing installment value | Installment face value was not informed in the original operation |