Present Value Inquiry - BNPL Refinancing

Summary

To find out the present value that will be used in the refinancing of an operation, you can use the debt inquiry endpoint with the query params listed below.

Request

ENDPOINT

/debt

METHOD

GET

Query Params

Field	Type	Description
key*	string	Debt key (DEBT-KEY) returned at the time of the credit operation creation
eval_present_value*	string	Indicates that the current value of each installment should be calculated and displayed
calculate_delay*	string	Indicates that, if the installment is overdue, penalty interest and fines should be calculated with the present value
calculate_spread*	boolean	Indicates whether the spread value of the operation should be added to the present value (for refinancing operations should be false)

Response

STATUS

200

Response Body

{
    "data": {
        "credit_operation_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
        "contract_number": "TESTE118261",
        "credit_operation_status": {
            "enumerator": "opened",
            "translation_ptbr": "Desembolsada"
        },
        "disbursed_issue_amount": 3000,
        "disbursement_date": "2022-10-19",
        "issue_amount": 3038.72,
        "balance_due": 3150.62,
        "annual_cet": 41.0883,
        "cet": 2.91,
        "installments": [
            {
                "installment_key": "9d8c566a-c865-495e-8764-db8351e7ac41",
                "installment_number": 1,
                "due_date": "2022-11-18",
                "business_due_date": "2022-11-21",
                "total_amount": 552.31,
                "due_principal": 3038.72,
                "pre_fixed_amount": 75.66402982,
                "principal_amortization_amount": 476.64597018,
                "installment_status": "opened",
                "paid_amount": 0,
                "present_value": 552.31
            }
        ]
    }
}

Attention

For refinancing operations, the calculate_spread field should always be false, as the spread value should not be considered in the present value calculation for settlement.