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Consulta de valor presente de uma operação

Para descobrir o valor presente que sera ultilizado no refinanciamento de uma operação é possivel ultilizar o endpoint de consulta de dividas indicando 4 query params chave listados abaixo.

Request

ENDPOINT
/debt
METHOD
GET

Query Params

CampoTipoDescriçãoCaracteres
key *stringChave da divida devolvida no momento da criação da operação de crédito.-
eval_present_value *stringIndica que o valor atual de cada parcela deve ser calculado e mostrado.-
calculate_delay *stringindica que se a parcela estiver vencida os juros de mora e multa devem ser calculados com o valor presente.-
calculate_spread *booleanoindica que se valor de spread da operação deve ser adicionado ao valor presente (para operações de refinanciamento deve ser falso).-

Response

STATUS
200
Response Body
{
"data": {
"additional_iof": 11.547136,
"after_disbursement_actions": [],
"all_day_disbursement": true,
"annual_cet": 41.0883,
"assigned": false,
"assigned_at": null,
"assignment_amount": 3038.72,
"attached_document_list": [{
"created_at": "2022-10-19T11:53:01",
"document_key": "5df59dca-b8d1-4dca-8358-8b4bd944f3dc",
"document_type": {
"enumerator": "document_identification",
"translation_path": "co.DocumentType.document_identification"
},
"document_url": "https://storage.googleapis.com/sandbox-doc-api/documents/5df59dca-b8d1-4dca-8358-8b4bd944f3dc/image_1666180300436.jpg",
"related_party_key": null,
"signature_required": false,
"signature_url": null,
"signed": false
}],
"balance_due": 3150.62,
"base_iof": 27.17569413,
"calculus_correction": null,
"central_depository": null,
"cet": 2.91,
"cetip_assignments": [],
"cetip_settlements": [],
"collateral_constituted": true,
"collateral_type": null,
"collaterals": [],
"contract_fee_amount": 0,
"contract_fees": [],
"contract_number": "TESTE118261",
"created_at": "2022-10-19T11:53:00",
"credit_operation_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
"credit_operation_status": {
"enumerator": "opened",
"translation_path": "co.CreditOperationStatus.opened",
"translation_ptbr": "Desembolsada"
},
"credit_operation_type": {
"enumerator": "ccb",
"translation_path": "co.CreditOperationType.ccb"
},
"credit_rating": null,
"creditor_bank_account_key": "5d068423-6094-49e4-b15b-7740038295a8",
"custodian": {
"enumerator": "qi_scd",
"translation_path": "co.Custodian.qi_scd"
},
"decimal_annual_cet": 0.43241941956989105,
"decimal_cet": 0.0304,
"disburse_before_assign": true,
"disbursed_at": "2022-10-19T11:54:47",
"disbursed_issue_amount": 3000,
"disbursement_account": [{
"account_branch": "1234",
"account_digit": "1",
"account_number": "2345678601",
"account_type": "checking_account",
"amount_receivable": null,
"created_at": "2022-10-19T11:53:01",
"digitable_line": null,
"disbursement_type": "pix",
"document_number": "92147661180",
"financial_institutions": {
"code_number": 104,
"is_active": true,
"is_pix_participant": true,
"ispb": 360305,
"name": "CAIXA ECONOMICA FEDERAL"
},
"financial_institutions_code_number": 104,
"is_pix_disbursement": true,
"ispb": "00360305",
"name": "104 CAIXA ECONOMICA FEDERAL",
"percentage_receivable": 100,
"pix_key": null,
"pix_transfer_key": "da80477f-412e-40a5-81b0-c830b238081e",
"pix_type": "manual",
"qr_code_key": null,
"retry_counter": 0,
"retry_vector": null,
"transaction_key": null,
"webhook_key": null
}],
"disbursement_callback": {
"installments": [{
"bank_slip_key": "9d8c566a-c865-495e-8764-db8351e7ac41",
"digitable_line": "32990001031000699925348000000207991730000055231",
"due_date": "2022-11-18",
"qr_code_key": "bdd41d56-8588-4468-9705-5233994cdc39",
"qr_code_url": "00020126970014br.gov.bcb.pix2575qrcode-h.sandbox.qitech.app/bacen/cobv/bdd41d56-8588-4468-9705-5233994cdc395204000053039865802BR5925QI SOCIEDADE DE CREDITO D6009Sao Paulo61080145200062070503***63044F44"
}],
"key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
"origin_type": "lego-api",
"status": "opened",
"transaction_receipts": [{
"amount": 3000,
"description": "00360305 1234 2345678601-1 92147661180 - 104 CAIXA ECONOMICA FEDERAL",
"destination": {
"account_digit": "1",
"account_number": "2345678601",
"bank_ispb": "00360305",
"branch": "1234",
"branch_digit": null,
"document": "92147661180",
"name": "104 CAIXA ECONOMICA FEDERAL",
"purpose": "Crédito PIX em Conta",
"type": "checking_account"
},
"fee": 0,
"origin": {
"account_branch": "0001",
"account_digit": "5",
"account_key": "5d068423-6094-49e4-b15b-7740038295a8",
"account_number": "00002",
"bank_code": "329",
"branch": "0001",
"branch_digit": null,
"document": "32402502000135",
"name": "QI SOCIEDADE DE CRÉDITO DIRETO S.A.",
"type": "payment_account"
},
"origin_transaction_key": null,
"timestamp": "2022-10-19T11:55:03",
"transaction_key": "da80477f-412e-40a5-81b0-c830b238081e"
}]
},
"disbursement_confirmed_at": "2022-10-20T13:00:56",
"disbursement_date": "2022-10-19",
"disbursement_end_date": "2022-10-19",
"disbursement_inelegibility_reason": null,
"disbursement_inelegibility_reason_issued": null,
"disbursement_options": [{
"additional_iof": 11.547136,
"annual_cet": 41.0883,
"assignment_amount": 3038.72,
"base_iof": 27.17569413,
"calculus_correction": null,
"cet": 2.91,
"contract_fee_amount": 0,
"contract_fees": [],
"created_at": "2022-10-19T11:53:01",
"disbursed_issue_amount": 3000,
"disbursement_date": "2022-10-19",
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"first_due_date": "2022-11-18",
"installments": [{
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"business_due_date": "2022-11-21",
"calendar_days": 30,
"created_at": "2022-10-19T11:53:01",
"due_date": "2022-11-18",
"due_interest": 0,
"due_principal": 3038.72,
"fine_amount": null,
"has_interest": true,
"installment_number": 1,
"post_fixed_amount": 0,
"pre_fixed_amount": 75.66402982,
"principal_amortization_amount": 476.64597018,
"tax_amount": 1.17254909,
"total_amount": 552.31,
"workdays": 20
}],
"interest_subsidy_amount": 0,
"issue_amount": 3038.72,
"net_external_contract_fee_amount": 0,
"prefixed_interest_rate": null,
"share_quantity": 4,
"total_iof": 38.72
}],
"disbursement_start_date": "2022-10-19",
"document_certifier": {
"enumerator": "electronic_client_side",
"translation_path": "co.DocumentCertifier.electronic_client_side"
},
"early_settlement_configuration": {
"created_at": "2022-10-19T11:53:00",
"early_settlement_configuration_type": {
"enumerator": "fixed_rate",
"translation_path": "co.EarlySettlementConfigurationType.fixed_rate"
},
"effective_end_date": null,
"fixed_interest_rate": 0
},
"endorsement": null,
"entry": null,
"events": [],
"external_contract_fee_amount": 0,
"external_contract_fees": [],
"extra_fields": null,
"facial_biometrics_enabled": false,
"final_disbursement_amount": 3000,
"financial_index": null,
"fine_configuration": {
"contract_fine_rate": 0.02,
"created_at": "2022-10-19T11:53:00",
"fine_delay_rate": {
"annual_rate": 0.12682503,
"created_at": "2022-10-19T11:53:00",
"daily_rate": 0.00033173,
"interest_base": {
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"translation_path": "co.InterestBase.calendar_days",
"year_days": 360
},
"monthly_rate": 0.01
}
},
"first_due_date": "2022-11-18",
"first_due_date_delay": null,
"if_code": null,
"installments": [{
"accrual_reference_date": null,
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"advanced_paid_amount": 0,
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"business_due_date": "2022-11-21",
"calendar_days": 30,
"cetip_settlements": [],
"created_at": "2022-10-19T11:53:00",
"digitable_line": "32990001031000699925348000000207991730000055231",
"due_date": "2022-11-18",
"due_interest": 0,
"due_principal": 3038.72,
"events": [{
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"created_at": "2022-10-19T11:54:47",
"event_date": "2022-10-19T11:54:47",
"installment_event_type": {
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},
"installment_old_status": {
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},
"old_due_date": null
},
{
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"created_at": "2022-11-18T08:00:10",
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"installment_event_type": {
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},
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},
"old_due_date": null
},
{
"amount": 11.76,
"created_at": "2022-11-22T08:00:14",
"event_date": "2022-11-22T08:00:14",
"installment_event_type": {
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},
"installment_old_status": {
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},
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},
{
"amount": 11.94,
"created_at": "2022-11-23T09:13:46",
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},
"installment_old_status": {
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},
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},
{
"amount": 12.12,
"created_at": "2022-11-24T09:15:55",
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},
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},
{
"amount": 12.3,
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{
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},
{
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],
"fine_amount": 13.02,
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"original_due_principal": 3038.72,
"original_pre_fixed_amount": 75.66402982,
"original_principal_amortization_amount": 476.64597018,
"original_total_amount": 552.31,
"paid_amount": 0,
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"renegotiation_proposal_key": null,
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"updated_at": "2022-11-29T09:17:44",
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},
{
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},
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},
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},
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},
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}],
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},
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],
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"interest_subsidy_amount": 0,
"interest_subsidy_percentage": 0,
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},
"iof_charge_method": "financed",
"ipoc_code": "324025020203192147661180DiDi118261",
"is_allowed_to_disburse": true,
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"isin_number": null,
"issue_amount": 3038.72,
"issue_date": "2022-10-19",
"issuer_document_number": "92147661180",
"issuer_name": "Wxy Wsx",
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"modality": {
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},
"net_external_contract_fee_amount": 0,
"next_due_date": "2022-12-19",
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"operation_extra_fields": null,
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},
"origin_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
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},
"original_prefixed_interest_rate": {
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"created_at": "2022-10-19T11:53:00",
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},
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},
"original_total_iof": 38.72,
"payment_and_settlement_agent": {
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},
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},
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"portability_original_contract": null,
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},
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},
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},
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"rebate_account": null,
"refinanced_credit_operations": [],
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},
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"complement": null,
"created_at": "2022-10-19T11:52:59",
"neighborhood": "Aguascalientes",
"number": "1",
"postal_code": "20000000",
"state": "SP",
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},
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"document_key": "5df59dca-b8d1-4dca-8358-8b4bd944f3dc",
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},
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}],
"birth_date": "1997-10-19",
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"cnae_code": null,
"company_document_number": null,
"created_at": "2022-10-19T11:53:01",
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"document_identification_type": null,
"email": "wxr@ff.com",
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"gender": null,
"income": 0.01,
"individual_document_number": "92147661180",
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"marital_status": {
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"translation_path": "co.MaritalStatus.single"
},
"mother_name": null,
"name": "Wxy Wsx",
"nationality": "nationality",
"person_type": "natural",
"phone": {
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"created_at": "2022-10-19T11:53:00",
"number": "016048311",
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},
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"revenue": null,
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},
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"spouse_document_number": null,
"trading_name": null
}],
"requester_identifier_key": "89bb875a4a654ecfbad0c6ce0b3b5037",
"requester_key": "75f2ab85-a5ce-40b9-9b1e-915175906d78",
"requester_name": "DiDi Global (99Pay)",
"resource_source_account": {
"enumerator": "third_party",
"translation_path": "co.ResourceSourceAccount.third_party"
},
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"settlement_bank_account_key": null,
"share_quantity": 4,
"signature_method": {
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},
"tax_configuration": {
"created_at": "2019-03-15T13:09:32",
"iof_additional_rate": 0.0038,
"iof_rate": 0.000082
},
"tax_exempt_amount": null,
"third_party_account_key": "5d068423-6094-49e4-b15b-7740038295a8",
"total_iof": 38.72
},
"operation_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
"status": "opened",
"webhook_type": "signed_debt"
}
Atenção!

Dentro do array de parcelas sera retornado o valor presene calculado de cada parcela em "present_amount", seu somatorio sera o valor presente considerado para o contrato no momento da solicitação do refinanciamento.


STATUS
400
Response Body
{
"data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}