Simulation - BNPL Refinancing
Summary
Before creating a refinancing, you can simulate the values of the new operation. The simulation uses the same payload as a simple debt simulation, with the addition of the refinanced_credit_operations field.
Request
ENDPOINT
/debt_simulationMETHOD
POSTRequest Body
{
"borrower": {
"person_type": "natural"
},
"refinanced_credit_operations": [
{
"operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c"
}
],
"financial": {
"disbursed_amount": 1007.63,
"interest_type": "pre_price_days",
"credit_operation_type": "ccb",
"annual_interest_rate": 2.32,
"disbursement_date": "2026-04-07",
"interest_grace_period": 0,
"principal_grace_period": 0,
"number_of_installments": 3,
"fine_configuration": {
"contract_fine_rate": 0.02,
"interest_base": "calendar_days",
"monthly_rate": 0.01
}
}
}
Body Params
| Field | Type | Description |
|---|---|---|
| borrower* | object | Borrower data (minimum: person_type) |
| refinanced_credit_operations* | array | List of operations to be refinanced |
| financial* | object | Financial data for the new operation |
refinanced_credit_operations Object
| Field | Type | Description |
|---|---|---|
operation_key* | string | Key of the operation to be refinanced (DEBT-KEY) |
Response
STATUS
200Response Body
{
"type": "debt",
"key": "daa5173d-ae44-44c5-87bc-f9115cfbcaa1",
"status": "finished",
"event_datetime": "2026-04-08 00:36:02",
"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": "settlement_refinancing",
"prefixed_interest_rate": {
"interest_base": "calendar_days_365",
"annual_rate": 2.32,
"monthly_rate": 0.1051676747,
"daily_rate": 0.0032929847
},
"issue_date": "2026-04-07",
"number_of_installments": 3,
"requester_key": "78287247-947d-4730-9bd1-7efb068175b6",
"final_disbursement_amount": 0.01,
"refinanced_credit_operations": [
{
"refinanced_credit_operation_key": "72760166-4ddf-41fb-8a8c-605f8f4fc35c",
"refinanced_credit_operation_status": "pending_payment",
"due_balance": 1007.62,
"due_balance_reference_date": "2026-04-07",
"original_deadline": 61
}
],
"total_pre_fixed_amount": 220.27,
"iof_amount": 9.09,
"cet": 0.1103,
"annual_cet": 2.5111,
"disbursement_date": "2026-04-07",
"installments": [
{
"calendar_days": 30,
"workdays": 20,
"business_due_date": "2026-05-07",
"due_date": "2026-05-07",
"due_principal": 1016.72,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 105.38950323,
"tax_amount": 0.75507362,
"total_amount": 412.33,
"principal_amortization_amount": 306.94049677,
"installment_number": 1
},
{
"calendar_days": 31,
"workdays": 20,
"business_due_date": "2026-06-08",
"due_date": "2026-06-07",
"due_principal": 709.77950323,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 76.15320432,
"tax_amount": 1.68155633,
"total_amount": 412.33,
"principal_amortization_amount": 336.17679568,
"installment_number": 2
},
{
"calendar_days": 30,
"workdays": 22,
"business_due_date": "2026-07-07",
"due_date": "2026-07-07",
"due_principal": 373.60270755,
"has_interest": true,
"post_fixed_amount": 0,
"pre_fixed_amount": 38.72729245,
"tax_amount": 2.7878234,
"total_amount": 412.33,
"principal_amortization_amount": 373.60270755,
"installment_number": 3
}
],
"external_contract_fees": [
{
"fee_type": "tac",
"amount_type": "absolute",
"amount": 0,
"fee_amount": 0,
"tax_amount": 0,
"net_fee_amount": 0
}
],
"contract_fee_amount": 3.05,
"external_contract_fee_amount": 0,
"net_external_contract_fee_amount": 0,
"contract_fees": [
{
"fee_type": "spread",
"amount_type": "percentage",
"amount": 0.3,
"fee_amount": 3.05
}
],
"issue_amount": 1016.72,
"disbursed_issue_amount": 1007.63,
"assignment_amount": 1019.77
}
}