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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​

FieldTypeDescription
key*stringDebt key (DEBT-KEY) returned at the time of the credit operation creation
eval_present_value*stringIndicates that the current value of each installment should be calculated and displayed (true)
calculate_delay*stringIndicates that, if the installment is overdue, penalty interest and fines should be calculated with the present value (true)
calculate_spread*stringIndicates whether the spread value of the operation should be added to the present value. For refinancing operations should be false

URL Example​

/debt?key=72760166-4ddf-41fb-8a8c-605f8f4fc35c&eval_present_value=true&calculate_delay=true&calculate_spread=false

Response​

STATUS
200
Response Body
{
    "webhook_type": "debt",
    "operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
    "status": "opened",
    "data": {
        "credit_operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
        "contract_number": "DWF1761222116",
        "annual_cet": 97.05,
        "cet": 5.82,
        "disbursed_issue_amount": 1000,
        "disbursement_date": "2026-04-07",
        "issue_amount": 1007.62,
        "final_disbursement_amount": 1000,
        "number_of_installments": 2,
        "total_iof": 7.62,
        "base_iof": 3.79,
        "additional_iof": 3.83,
        "assignment_amount": 1007.63,
        "issuer_name": "Dante Ferrarini",
        "issuer_document_number": "31057466093",
        "prefixed_interest_rate": {
            "annual_rate": 0.8373372409,
            "daily_rate": 0.0016911989,
            "interest_base": {
                "enumerator": "calendar_days",
                "year_days": 360
            },
            "monthly_rate": 0.052
        },
        "installments": [
            {
                "installment_key": "1dea396f-beb1-4df3-9822-35800b4c095a",
                "installment_number": 1,
                "due_date": "2026-05-07",
                "business_due_date": "2026-05-07",
                "calendar_days": 30,
                "total_amount": 543.89,
                "due_principal": 1007.62,
                "pre_fixed_amount": 52.3996159,
                "principal_amortization_amount": 491.4903841,
                "tax_amount": 1.20906634,
                "installment_status": {
                    "enumerator": "opened"
                },
                "paid_amount": 0,
                "present_amount": 517.01,
                "workdays": 20
            },
            {
                "installment_key": "370e73d1-55d8-431e-9b22-d08fb8297999",
                "installment_number": 2,
                "due_date": "2026-06-07",
                "business_due_date": "2026-06-08",
                "calendar_days": 31,
                "total_amount": 543.89,
                "due_principal": 516.1296159,
                "pre_fixed_amount": 27.7603841,
                "principal_amortization_amount": 516.1296159,
                "tax_amount": 2.58168034,
                "installment_status": {
                    "enumerator": "opened"
                },
                "paid_amount": 0,
                "present_amount": 490.62,
                "workdays": 20
            }
        ]
    }
}
Refinancing Value

The total value to be used as disbursed_amount in the refinancing simulation/creation is the sum of the present_amount of all installments. In this example: 517.01 + 490.62 = 1007.63.

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.