# QI Tech — Crédito Consignado › Previdência Privada Documentação da QI Tech em texto corrido, para colar em um LLM. Fonte: https://docs.qitech.com.br 3 página(s). Índice: - Manual Previdência Privada - Averbação e Desembolso (/documentation/manual_previdencia_privada/manual_previdencia_privada_averbacao_desembolso) - Manual Previdência Privada - Consulta (/documentation/manual_previdencia_privada/manual_previdencia_privada_consulta) - Manual Previdência Privada - Crédito Novo (/documentation/manual_previdencia_privada/manual_previdencia_privada_credito_novo) --- # Manual Previdência Privada - Averbação e Desembolso URL: /documentation/manual_previdencia_privada/manual_previdencia_privada_averbacao_desembolso :::info Navegação - [Crédito Novo](/documentation/manual_previdencia_privada/manual_previdencia_privada_credito_novo) (anterior) ::: :::caution API em desenvolvimento A API ainda está em fase de desenvolvimento, sendo assim, este manual está sujeito a alterações. ::: :::danger Atenção! Os webhooks da QI Tech não devem ser mapeados de forma estrita. Campos adicionais podem ser incluídos aos payloads dos webhooks retornados em nossas APIs. ::: :::info Reenvio de Webhooks Você pode consultar e reenviar webhooks seguindo as instruções detalhadas na documentação: [Reenvio de Webhooks](/documentation/notificacoes/reenvio_de_notificacoes). ::: ## 1 - Averbação ### Webhooks Em caso de sucesso na averbação o parceiro receberá o seguinte webhook: WEBHOOK TYPE credit_operation.collateral STATUS Opened **Webhook Body** ```json { "webhook": { "key": "", "data": { "collateral_data": "collateral_data": { "total_gross_amount_lock": 1500, "investment_funds": [ { "susep_process_number": "111111111111", "certificate": "12345678", "name": "QI Fund Alpha", "document_number": "32402502000135", "class": "", "subclass": "", "lock_gross_amount": 500, }, { "susep_process_number": "222222222222", "certificate": "87654321", "name": "QI Fund Beta", "document_number": "32402502000135", "class": "", "subclass": "", "lock_gross_amount": 500, }, { "susep_process_number": "333333333333", "certificate": "56781234", "name": "QI Fund Gama", "document_number": "32402502000135", "class": "", "subclass": "", "lock_gross_amount": 500, } ] }, "collateral_type": "private_pension", "collateral_constituted": true }, "event_time": "2025-07-10 02:15:01", "webhook_type": "credit_operation.collateral" } } ``` ### Falha na averbação Se uma reserva falhar, será enviado um webhook no seguinte formato para informar o ocorrido: WEBHOOK TYPE private_pension_failed_reservation STATUS Failed **Webhook Body** ```json title="Webhook Body" { "key": "", "status": "failed", "webhook_type": "private_pension_failed_reservation", "event_datetime": "2025-10-26 16:41:28", "data": { "enumerator": "Fail enumerator.", "description": "Descrição da falha.", } } ``` ## 2 - Desaverbação A desaverbação de um contrato é realizada através da rota de cancelamento permanente. Essa rota coloca um status final no contrato, o qual não é passível de retentativa e dispara a desaverbação da margem averbada. Para realizar o cancelamento definitivo, deve ser utilizado o seguinte endpoint: **POST** /debt/ DEBT-KEY /cancel_permanently Testar no Playground ### Webhooks WEBHOOK TYPE debt STATUS canceled_permanently **Webhook Body** ```json { "key": "", "status": "canceled_permanently", "webhook_type": "debt", "event_datetime": "2025-03-18 16:41:28", "data": {} } ``` ## 3 - Falha no desembolso ### TED Em caso de falha no desembolso via TED WEBHOOK TYPE debt STATUS canceled **Webhook Body** ```json { "key": "", "status": "canceled", "webhook_type": "debt", "event_datetime": "2025-03-18 16:41:28", "data": { "ted_refusal": { "transaction_key": "16faabfc-3876-437d-a4f6-aae17a1d68c9", "description": "341 0000 000000-7 12345678900 - NOME DO EMPREGADO", "origin": { "account_key": "a1d2dea5-fa90-4676-a125-da355fdc3ed0", "account_number": "00086", "bank_code": "329", "name": "ACCOUNT TRANSITORY", "type": "payment_account", "document": "32402502000135", "branch_digit": null, "account_digit": "8", "branch": "0001" }, "fee": 0, "reason_enumerator": "agencia_conta_invalida", "timestamp": "2022-11-07T14:36:05", "amount": 483.6, "reason": "Agência ou Conta Destinatária do Crédito Inválida", "destination": { "branch": "0000", "account_number": "000000", "name": "NOME DO EMPREGADO", "purpose": "Crédito em Conta", "type": "checking_account", "branch_digit": null, "document": "12345678900", "bank_code": "341", "account_digit": "7" } }, "cancel_reason": "ted_refusal" } } ``` ### PIX Em caso de falha no desembolso via PIX WEBHOOK TYPE debt STATUS canceled **Webhook Body** ```json { "key": "", "status": "canceled", "webhook_type": "debt", "event_datetime": "2025-03-18 16:41:28", "data": { "cancel_reason": "pix_refusal", "pix_refusal": { "reason_enumerator": "invalid_document_number", "reason": "CPF/CNPJ do usuário recebedor não é compatível com o titular da conta de destino." } } } ``` ## 4 - Reapresentação de Pagamento Altera a data de desembolso sem afetar os valores financeiros da operação. **POST** /debt/ DEBT-KEY /change_disbursement_date Testar no Playground ### Request **Request Body** ```json { "disbursement_date": "2025-03-19", "disbursement_bank_accounts": [ { "branch_number": "1232", "account_digit": "4", "account_number": "412412412", "account_type": "checking_account", "document_number": "", "bank_code": 184, "ispb_number": "17298092", "name": "", "percentage_receivable": 100 } ] } ``` ### Response STATUS **200** OK **Response Body** ```json { "disbursement_date": "2025-03-19", "disbursement_accounts": [ { "account_branch": "1232", "account_digit": "4", "account_number": "412412412", "account_type": "checking_account", "amount_receivable": null, "created_at": "2022-05-24T14:51:46", "digitable_line": null, "disbursement_type": "ted", "document_number": "37197645832", "financial_institutions": { "code_number": 184, "ispb": 17298092, "name": "BCO ITAÚ BBA S.A." }, "financial_institutions_code_number": 184, "is_pix_disbursement": false, "ispb": "17298092", "name": "Márcio e Catarina Gráfica Ltda", "percentage_receivable": 50.0, "pix_key": null, "pix_transfer_key": null, "pix_type": null, "qr_code_key": null, "retry_counter": 0, "retry_vector": null, "transaction_key": null, "webhook_key": null } ] } ``` --- # Manual Previdência Privada - Consulta URL: /documentation/manual_previdencia_privada/manual_previdencia_privada_consulta :::info Próximo passo - [Crédito Novo](/documentation/manual_previdencia_privada/manual_previdencia_privada_credito_novo) ::: :::caution API em desenvolvimento A API ainda está em fase de desenvolvimento, sendo assim, este manual está sujeito a alterações. ::: --- ## 1. Consulta de garantias A consulta de garantias permite verificar as informações referentes aos produtos de previdência. Esta operação é assíncrona, o pedido de consulta é enviado para uma de nossas filas e processado posteriormente. A requisição retorna de imediato o identificador único referente ao pedido de consulta e seu status de processamento. ### Request **POST** /private_pension/inquiry Testar no Playground **Payload** ```json { "document_number": "\", "operating_entity": "\", "investment_funds": [ { "susep_process_number": "", "certificate": "", "name": "", "document_number": "", "class": "", "subclass": "", }, { "susep_process_number": "", "certificate": "", "name": "", "document_number": "", "class": "", "subclass": "", }, { "susep_process_number": "", "certificate": "", "name": "", "document_number": "", "class": "", "subclass": "", }, ], "authorization_term": { "signature": { "signer": { "name": "\", "birth_date": "\", "address": { "street": "", "neighborhood": "", "city": "", "state": "", "postal_code": "", }, "email": "\", "phone": { "number": "\", "area_code": "\", "country_code": "55" }, } }, "authentication_type": "opt_in", "authenticity": { "timestamp": "\", "ip_address": "\", "city": "\", "session_id": "\", }, } } ``` **Body Details** | Campo | Tipo | Descrição | |--------------------|--------|----------------------------------| | document_number | string | CPF do tomador | | operating_entity | string | Enumerador da entidade operadora | | investment_funds | objeto | Dados de fundos de investimento | | authorization_term | objeto | Dados de autorização | #### Objeto investment_funds | Campo | Tipo | Descrição | |-----------------------|--------|---------------------------------------| | susep_process_number | string | Número do processo SUSEP | | certificate | string | Certificado do produto de previdência | | name | string | Nome do fundo | | document_number | string | CNPJ do fundo | | class | string | Classe do fundo | | subclass | string | Subclasse do fundo | #### Objeto authorization_term | Campo | Tipo | Descrição | |---------------------|--------|----------------------------------| | signature | objeto | Dados de assinatura | | authentication_type | string | Tipo de autenticação (opt_in) | | authenticity | objeto | Dados de autenticidade | #### Objeto signature | Campo | Tipo | Descrição | |--------------------|--------|----------------------------------| | signer | objeto | Dados do assinante | #### Objeto signer | Campo | Tipo | Descrição | |--------------------|--------|----------------------------------| | name | string | Nome do assinante | | birth_date | string | Data de nascimento do assinante | | address | objeto | Endereço do assinante | | email | objeto | Endereço de email do assinante | | phone | objeto | Telefone do assinate | #### Objeto address | Campo | Tipo | Descrição | |--------------------|--------|----------------------------------| | street | string | Logradouro | | neighborhood | string | Bairro | | city | string | Cidade | | state | string | Estado | | postal_code | string | CEP | #### Objeto phone | Campo | Tipo | Descrição | |--------------------|--------|----------------------------------| | number | string | Número de telefone | | area_code | string | DDD | | country_code | string | Código de telefone do país | #### Objeto authenticity | Campo | Tipo | Descrição | |--------------------|--------|----------------------------------| | timestamp | string | Timestamp do aceite do tomador | | ip_address | string | IP da sessão do usuário | | city | string | Cidade de assinatura | | session_id | string | Chave identificadora interna da sessão do usuário | ### Response STATUS **201** (CREATED) **Payload** ```json { "inquiry_key": "69aac130-35cb-4bdd-80e9-ba01d18002bd", "inquiry_status": "pending_inquiry" } ``` **Response Body Details** | Campo | Tipo | Descrição | |---------------------------|---------|---------------------------------------------------------------------| | inquiry_key | string | Identificador única para a consulta da garantia | | inquiry_status | string | Status da requisição de consulta (pending_inquiry/success/rejected) | --- ## 2. Consulta do processamento de garantias **GET** /private_pension/inquiry/[inquiry_key] Testar no Playground ### Response **Response Body** ```json { "inquiry_key": "69aac130-35cb-4bdd-80e9-ba01d18002bd", "inquiry_status": "pending_inquiry" } ``` --- ## 3. Webhook de consulta de garantias Após o processamento do pedido de consulta, o cliente receberá um webhook com as informações das garantias. :::caution Atenção O cliente deve implementar o tratamento deste webhook para capturar as informações do pedido de consulta das garantias. ::: WEBHOOK TYPE laas.private_pension.inquiry.status_change STATUS sucess **Webhook Body** ```json { "key": "69aac130-35cb-4bdd-80e9-ba01d18002bd", "status": "success", "webhook_type": "laas.private_pension.inquiry.status_change", "event_datetime": "2025-10-08T01:00:00Z", "data": { "guarantees": [ { "contract_id": "851cf2e4-524b-48d7-a133-fd10bb0a7313", "product": "PGBL", "operation_type": "PREVIDENCIA", "operating_entity": { "document_number": "42283770000139", "operating_entity_name": "Icatu seguros", "street": "Avenida Ibirapuera", "neighborhood": "Moema", "city": "São Paulo", "state": "SP", "postal_code": "04028002", "authenticity": { "timestamp": "\", "city": "\", "session_id": "\" } }, "guarantor": { "contract_code": "48334488-ecf1-4b84-a352-b3eb57dca066", "person_type": "natural_person", "document_number": "75020251038", "name": "Nome garantidor", "social_name": "Nome social garantidor", "second_document_number": "126979364", "birth_date": "1983-12-01", "street": "Rua Maria Carolina", "neighborhood": "Jardim Paulistano", "city": "São Paulo", "state": "SP", "postal_code": "01445000", "phone": "11911111111", "email": "exemplo@gmail.com", "movement_type": "supply", "consent_term_code": "6bb8b263-c5ed-4406-bfd2-44f314038784", "consent_file_url": null, "consent_file_hash": null, "legal_representatives": [], }, "plan_type": "PGBL", "initial_grace": true, "accumulation_period_end_date": "2050-01-01", "tax_regime": "indefinite", "remaining_grace_period": 15, "load_percentage": 99.50, "investment_funds": [ { "susep_process_number": "111111111111111111111111", "certificate": "12345678QI", "name": "Fundo QI Tech", "document_number": "32402502000135", "class": "Renda Fixa", "subclass": "Crédito Privado", "inquiry_id": "fcfb01b5-5c08-4cdb-9915-aaf16d457803", "response_within_deadline": null, "inquiry_processing_status": "inquiry_nuclea_register", "inquiry_status": "pending", "rejection_reason": null, "rejection_reason_description": null, "remuneration_criteria": null, "available_gross_amount": 500, "elegible_gross_amount": 250, "lock_gross_amount": 200 } ] }, { "contract_id": "733cf2e4-908b-48d7-a222-fd10bb0a1323", "product": "VGBL", "operation_type": "PREVIDENCIA", "operating_entity": { "document_number": "42283770000139", "operating_entity_name": "Icatu seguros", "street": "Avenida Ibirapuera", "neighborhood": "Moema", "city": "São Paulo", "state": "SP", "postal_code": "04028002", "authenticity": { "timestamp": "\", "city": "\", "session_id": "\" } }, "guarantor": { "contract_code": "48334488-ecf1-4b84-a352-b3eb57dca066", "person_type": "natural_person", "document_number": "75020251038", "name": "Nome garantidor", "social_name": "Nome social garantidor", "second_document_number": "126979364", "birth_date": "1983-12-01", "street": "Rua Maria Carolina", "neighborhood": "Jardim Paulistano", "city": "São Paulo", "state": "SP", "postal_code": "01445000", "phone": "11911111111", "email": "exemplo@gmail.com", "movement_type": "supply", "consent_term_code": "6bb8b263-c5ed-4406-bfd2-44f314038784", "consent_file_url": null, "consent_file_hash": null, "legal_representatives": [], }, "plan_type": "VGBL", "initial_grace": true, "accumulation_period_end_date": "2050-01-01", "tax_regime": "indefinite", "remaining_grace_period": 15, "load_percentage": 99.50, "investment_funds": [ { "susep_process_number": "222222222222222222222222", "certificate": "87654321QI", "name": "Fundo QI Tech", "document_number": "32402502000135", "class": "Renda Fixa", "subclass": "Crédito Privado", "inquiry_id": "fcfb01b5-5c08-4cdb-9915-aaf16d457803", "response_within_deadline": null, "inquiry_processing_status": "inquiry_nuclea_register", "inquiry_status": "pending", "rejection_reason": null, "rejection_reason_description": null, "remuneration_criteria": null, "available_gross_amount": 500, "elegible_gross_amount": 250, "lock_gross_amount": 200 } ] }, { "contract_id": "733cf2e4-908b-48d7-a222-fd10bb0a1323", "product": "PGBL", "operation_type": "PREVIDENCIA", "operating_entity": { "document_number": "42283770000139", "operating_entity_name": "Icatu seguros", "street": "Avenida Ibirapuera", "neighborhood": "Moema", "city": "São Paulo", "state": "SP", "postal_code": "04028002", "authenticity": { "timestamp": "\", "city": "\", "session_id": "\" } }, "guarantor": { "contract_code": "94039572-ecf1-4h84-h929-q3eb51gea231", "person_type": "natural_person", "document_number": "75020251038", "name": "Nome garantidor", "social_name": "Nome social garantidor", "second_document_number": "126979364", "birth_date": "1983-12-01", "street": "Rua Maria Carolina", "neighborhood": "Jardim Paulistano", "city": "São Paulo", "state": "SP", "postal_code": "01445000", "phone": "11911111111", "email": "exemplo@gmail.com", "movement_type": "supply", "consent_term_code": "6bb8b263-c5ed-4406-bfd2-44f314038784", "consent_file_url": null, "consent_file_hash": null, "legal_representatives": [], }, "plan_type": "PGBL", "initial_grace": true, "accumulation_period_end_date": "2050-01-01", "tax_regime": "indefinite", "remaining_grace_period": 15, "load_percentage": 99.50, "investment_funds": [ { "susep_process_number": "333333333333333333333333", "certificate": "56781234QI", "name": "Fundo QI Tech", "document_number": "32402502000135", "class": "Renda Fixa", "subclass": "Crédito Privado", "inquiry_id": "fcfb01b5-5c08-4cdb-9915-aaf16d457803", "response_within_deadline": null, "inquiry_processing_status": "inquiry_nuclea_register", "inquiry_status": "pending", "rejection_reason": null, "rejection_reason_description": null, "remuneration_criteria": null, "available_gross_amount": 500, "elegible_gross_amount": 250, "lock_gross_amount": 200 } ] } ] } } ``` **Webhook Body Details** | Campo | Tipo | Descrição | |---------------------|--------|--------------------------------------| | key | string | Chave do pedido de consulta | | status | string | Status do documento (success) | | webhook_type | string | Tipo do webhook | | event_datetime | string | Data e hora do evento | | data | object | Dados do webhook | #### Payload data | Campo | Tipo | Descrição | |------------------------------|--------|--------------------------| | guarantees | objeto | Dados de garantia | #### Objeto guarantees | Campo | Tipo | Descrição | |-------------------------------|--------|----------------------------------| | contract_id | string | Código do anexo IV modelo de termo acessório ao instrumento contratual de garantia | | product | string | Denominação do produto na entidade operadora | | operation_type | string | Tipo do produto (previdencia) | | operating_entity | objeto | Dados da entidade operadora | | guarantor | objeto | Dados do garantidor | | plan_type | objeto | Tipo do plano de previdência | | initial_grace | bool | Existência de período de carência inicial | | accumulation_period_end_date | objeto | Data final do período de acumulação | | tax_regime | enum | Regime tributário | | remaining_grace_period | int | Prazo remanescente do período de carência (em dias) | | load_percentage | number | Percentual de carregamento | | investment_funds | objeto | Dados de fundo de investimento | #### Objeto operating_entity | Campo | Tipo | Descrição | |-----------------------|--------|----------------------------------| | document_number | string | Cnpj da entidade operadora | | operating_entity_name | string | Nome da entidade operadora | | street | string | Logradouro | | neighborhood | string | Bairro | | city | string | Cidade | | state | string | Estado | | postal_code | string | CEP | | authenticity | object | Dados de autenticidade | #### Objeto authenticity | Campo | Tipo | Descrição | |--------------------|--------|-------------------------------------------| | timestamp | string | Timestamp do aceite da entidade operadora | | city | string | Cidade de assinatura | | session_id | string | Chave identificadora interna da sessão | #### Objeto guarantor | Campo | Tipo | Descrição | |------------------------|--------|-------------------------------------------| | contract_code | string | Código contratual | | person_type | enum | Tipo de pessoa (PF, PJ) | | document_number | string | Cpf/cnpj do garantidor | | name | string | Nome do garantidor | | social_name | string | Nome social do garantidor | | second_document_number | string | Rg do garantidor | | birth_date | string | Data de nascimento do garantidor | | street | string | Logradouro | | neighborhood | string | Bairro | | city | string | Cidade | | state | string | Estado | | postal_code | string | CEP | | phone | string | Número de telefone do garantidor | | email | string | Endereço de email do garantidor | | movement_type | enum | Tipo de operação realizada | | consent_term_code | string | Código do termo de consentimento | | consent_file_url | object | Dados da url do arquivo de consentimento | | consent_file_hash | string | Hash do arquivo de consentimento | | legal_representatives | object | Representantes legais | #### Objeto investment_funds | Campo | Tipo | Descrição | |-------------------------------|--------|------------------------------------------------| | susep_process_number | string | Número do processo SUSEP | | certificate | string | Certificado do produto de previdência | | name | string | Nome do fundo | | document_number | string | CNPJ do fundo | | class | string | Classe do fundo | | subclass | string | Subclasse do fundo | | inquiry_id | string | Identificador da garantia | | response_within_deadline | bool | Resposta realizada dentro do prazo | | inquiry_processing_status | enum | Status do processamento do pedido de consulta | | inquiry_status | enum | Status do pedido | | rejection_reason | enum | Motivo de recusa da consulta | | rejection_reason_description | string | Descrição do motivo de recusa da consulta | | remuneration_criteria | string | Critério de remuneração | | available_gross_amount | number | Valor bruto disponível | | elegible_gross_amount | number | Valor bruto elegível | | lock_gross_amount | number | Valor bruto para bloquear | #### Objeto consent_file_url | Campo | Tipo | Descrição | |--------------------|--------|-------------------------------------------| | url | string | Url do arquivo de consentimento | | duration | string | Duração de validade de acesso da url | #### Objeto legal_representatives | Campo | Tipo | Descrição | |--------------------|--------|-------------------------------------------| | person_type | enum | Tipo de pessoa | | document_number | string | Cpf/cnpj do representante legal | | name | string | Nome do representante legal | | social_name | string | Nome social do representante legal | #### Enumerador tax_regime | Enumerador | Descrição | |---------------------------|-------------------------------| | indefinite | Regime tributário indefinido | | progressive | Regime tributário progressivo | | regressive | Regime tributário regressivo | #### Enumerador person_type | Enumerador | Descrição | |---------------------------|------------------------------| | natural_person | Pessoa Física | | legal_person | Pessoa Jurídica | #### Enumerador movement_type | Enumerador | Descrição | |---------------------------|------------------------------------| | supply | Consentimento para a trava | | renegotiate | Consentimento para a repactuação | #### Enumerador inquiry_processing_status | Enumerador | Descrição | |-----------------------------------|-------------------------------------------| | inquiry_nuclea_register | Pedido cadastrado pela Núclea | | inquiry_sent_operating_entity | Pedido recebido pela entidade operadora | | inquiry_returned_operating_entity | Pedido retornado pela entidade operadora | #### Enumerador inquiry_status | Enumerador | Descrição | |---------------------------|------------------------------------| | success | Sucesso no pedido de consulta | | failed | Falha no pedido de consulta | | pending | Pedido de consulta pendente | #### Enumerador rejection_reason | Enumerador | Descrição | |-------------------------------|------------------------------------| | invalid_signature | Assinatura inválida | | invalid_client_information | Informações do cliente inválidas | | invalid_plan_information | Informações do plano inválidas | | incomplete_information | Informações incompletas | | others | Outros motivos de rejeição | WEBHOOK TYPE laas.private_pension.inquiry.status_change STATUS failed **Webhook Body** ```json { "key": "69aac130-35cb-4bdd-80e9-ba01d18002bd", "status": "failed", "webhook_type": "laas.private_pension.inquiry.status_change", "event_datetime": "2025-10-08T01:00:00Z", "data": { "guarantees": [ { "contract_id": "851cf2e4-524b-48d7-a133-fd10bb0a7313", "product": "PGBL", "operation_type": "PREVIDENCIA", "operating_entity": { "document_number": "42283770000139", "operating_entity_name": "Icatu seguros", "street": "Avenida Ibirapuera", "neighborhood": "Moema", "city": "São Paulo", "state": "SP", "postal_code": "04028002", "authenticity": { "timestamp": "\", "city": "\", "session_id": "\" } }, "guarantor": { "contract_code": "48334488-ecf1-4b84-a352-b3eb57dca066", "person_type": "natural_person", "document_number": "75020251038", "name": "Nome garantidor", "social_name": "Nome social garantidor", "second_document_number": "126979364", "birth_date": "1983-12-01", "street": "Rua Maria Carolina", "neighborhood": "Jardim Paulistano", "city": "São Paulo", "state": "SP", "postal_code": "01445000", "phone": "11911111111", "email": "exemplo@gmail.com", "movement_type": "supply", "consent_term_code": "6bb8b263-c5ed-4406-bfd2-44f314038784", "consent_file_url": null, "consent_file_hash": null, "legal_representatives": [], }, "plan_type": "PGBL", "initial_grace": true, "accumulation_period_end_date": "2050-01-01", "tax_regime": "indefinite", "remaining_grace_period": 15, "load_percentage": 99.50, "investment_funds": [ { "susep_process_number": "111111111111111111111111", "certificate": "12345678QI", "name": "Fundo QI Tech", "document_number": "32402502000135", "class": "Renda Fixa", "subclass": "Crédito Privado", "inquiry_id": "fcfb01b5-5c08-4cdb-9915-aaf16d457803", "response_within_deadline": null, "inquiry_processing_status": "inquiry_nuclea_register", "inquiry_status": "failed", "rejection_reason": "invalid_plan_information", "rejection_reason_description": null, "remuneration_criteria": null, "available_gross_amount": null, "elegible_gross_amount": null, "lock_gross_amount": null } ] }, { "contract_id": "733cf2e4-908b-48d7-a222-fd10bb0a1323", "product": "VGBL", "operation_type": "PREVIDENCIA", "operating_entity": { "document_number": "42283770000139", "operating_entity_name": "Icatu seguros", "street": "Avenida Ibirapuera", "neighborhood": "Moema", "city": "São Paulo", "state": "SP", "postal_code": "04028002", "authenticity": { "timestamp": "\", "city": "\", "session_id": "\" } }, "guarantor": { "contract_code": "48334488-ecf1-4b84-a352-b3eb57dca066", "person_type": "natural_person", "document_number": "75020251038", "name": "Nome garantidor", "social_name": "Nome social garantidor", "second_document_number": "126979364", "birth_date": "1983-12-01", "street": "Rua Maria Carolina", "neighborhood": "Jardim Paulistano", "city": "São Paulo", "state": "SP", "postal_code": "01445000", "phone": "11911111111", "email": "exemplo@gmail.com", "movement_type": "supply", "consent_term_code": "6bb8b263-c5ed-4406-bfd2-44f314038784", "consent_file_url": null, "consent_file_hash": null, "legal_representatives": [], }, "plan_type": "VGBL", "initial_grace": true, "accumulation_period_end_date": "2050-01-01", "tax_regime": "indefinite", "remaining_grace_period": 15, "load_percentage": 99.50, "investment_funds": [ { "susep_process_number": "222222222222222222222222", "certificate": "87654321QI", "name": "Fundo QI Tech", "document_number": "32402502000135", "class": "Renda Fixa", "subclass": "Crédito Privado", "inquiry_id": "fcfb01b5-5c08-4cdb-9915-aaf16d457803", "response_within_deadline": null, "inquiry_processing_status": "inquiry_nuclea_register", "inquiry_status": "failed", "rejection_reason": "others", "rejection_reason_description": "O numero do processo susep nao se refere a esse produto", "remuneration_criteria": null, "available_gross_amount": 500, "elegible_gross_amount": 250, "lock_gross_amount": 200 } ] }, { "contract_id": "733cf2e4-908b-48d7-a222-fd10bb0a1323", "product": "PGBL", "operation_type": "PREVIDENCIA", "operating_entity": { "document_number": "42283770000139", "operating_entity_name": "Icatu seguros", "street": "Avenida Ibirapuera", "neighborhood": "Moema", "city": "São Paulo", "state": "SP", "postal_code": "04028002", "authenticity": { "timestamp": "\", "city": "\", "session_id": "\" } }, "guarantor": { "contract_code": "94039572-ecf1-4h84-h929-q3eb51gea231", "person_type": "natural_person", "document_number": "75020251038", "name": "Nome garantidor", "social_name": "Nome social garantidor", "second_document_number": "126979364", "birth_date": "1983-12-01", "street": "Rua Maria Carolina", "neighborhood": "Jardim Paulistano", "city": "São Paulo", "state": "SP", "postal_code": "01445000", "phone": "11911111111", "email": "exemplo@gmail.com", "movement_type": "supply", "consent_term_code": "6bb8b263-c5ed-4406-bfd2-44f314038784", "consent_file_url": null, "consent_file_hash": null, "legal_representatives": [], }, "plan_type": "PGBL", "initial_grace": true, "accumulation_period_end_date": "2050-01-01", "tax_regime": "indefinite", "remaining_grace_period": 15, "load_percentage": 99.50, "investment_funds": [ { "susep_process_number": "333333333333333333333333", "certificate": "56781234QI", "name": "Fundo QI Tech", "document_number": "32402502000135", "class": "Renda Fixa", "subclass": "Crédito Privado", "inquiry_id": "fcfb01b5-5c08-4cdb-9915-aaf16d457803", "response_within_deadline": null, "inquiry_processing_status": "inquiry_nuclea_register", "inquiry_status": "success", "rejection_reason": null, "rejection_reason_description": null, "remuneration_criteria": null, "available_gross_amount": 500, "elegible_gross_amount": 250, "lock_gross_amount": 200 } ] } ] } } ``` --- --- # Manual Previdência Privada - Crédito Novo URL: /documentation/manual_previdencia_privada/manual_previdencia_privada_credito_novo :::info Navegação - [Consulta](/documentation/manual_previdencia_privada/manual_previdencia_privada_consulta) (anterior) - [Averbação e Desembolso](/documentation/manual_previdencia_privada/manual_previdencia_privada_averbacao_desembolso) (próximo) ::: :::caution API em desenvolvimento A API ainda está em fase de desenvolvimento, sendo assim, este manual está sujeito a alterações. ::: :::danger Atenção! Os webhooks da QI Tech não devem ser mapeados de forma estrita. Campos adicionais podem ser incluídos aos payloads dos webhooks retornados em nossas APIs. ::: :::info Reenvio de Webhooks Você pode consultar e reenviar webhooks seguindo as instruções detalhadas na documentação: [Reenvio de Webhooks](/documentation/notificacoes/reenvio_de_notificacoes). ::: ## 1 - Simulação da dívida: CRÉDITO NOVO ### Request **POST** /debt_simulation Testar no Playground **Valor de parcela** ```json title='Request Body' { "borrower": { "person_type": "natural" }, "financial": { "first_due_date": "2024-12-07", "installment_face_value": 100, "disbursement_date": "2024-11-05", "limit_days_to_disburse": 3, "number_of_installments": 4, "monthly_interest_rate": 0.018, "interest_type": "pre_price_days", "fine_configuration": { "monthly_rate": 0.01, "interest_base": "calendar_days", "contract_fine_rate": 0.02 }, "credit_operation_type": "ccb", "interest_grace_period": 0, "principal_grace_period": 0 }, "collaterals": [ { "collateral_type": "private_pension" } ] } ``` **Valor desembolsado** ```json title='Request Body' { "borrower": { "person_type": "natural" }, "financial": { "first_due_date": "2024-12-07", "disbursed_amount": 1000, "disbursement_date": "2024-11-05", "limit_days_to_disburse": 3, "number_of_installments": 4, "monthly_interest_rate": 0.018, "interest_type": "pre_price_days", "fine_configuration": { "monthly_rate": 0.01, "interest_base": "calendar_days", "contract_fine_rate": 0.02 }, "credit_operation_type": "ccb", "interest_grace_period": 0, "principal_grace_period": 0 }, "collaterals": [ { "collateral_type": "private_pension" } ] } ``` :::info Na request acima existem 2 simulações sendo realizadas. A primeira está fixando o valor de parcela ao cliente (varia o valor desembolsado) e a segunda está fixando o valor desembolsado (varia o valor de parcela). ::: ### Response STATUS **200** (OK) **Response Body** ```json { "type": "debt", "key": "", "status": "finished", "event_datetime": "2024-11-05 16:50:00", "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": "structured_operation", "post_fixed_interest_base": "workdays", "post_fixed_interest_rate": null, "prefixed_interest_rate": { "interest_base": "calendar_days_365", "annual_rate": 0.23872053, "monthly_rate": 0.018, "daily_rate": 0.00058669 }, "issue_date": "2024-11-05", "number_of_installments": 4, "requester_key": "e5eb6a0a-e003-4cbd-b702-5a25bf71af0a", "final_disbursement_amount": 0.0, "disbursement_options": [ { "iof_amount": 3.93, "total_pre_fixed_amount": 17.8715883143, "cet": 0.0257, "annual_cet": 0.355163, "contract_fees": [ { "fee_type": "tac", "amount_type": "percentage", "amount": 0.6, "fee_amount": 2.29 }, { "fee_type": "ted_fee", "amount_type": "absolute", "amount": 1.0, "fee_amount": 1.0 } ], "external_contract_fees": [ { "fee_type": "spread", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "insurance_premium", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "tac", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null } ], "contract_fee_amount": 2.29, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "disbursement_date": "2024-11-05", "first_due_date": "2024-12-21", "installments": [ { "calendar_days": 34, "workdays": 23.0, "business_due_date": "2024-12-21", "due_date": "2024-12-21", "due_principal": 382.13, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 7.6967422515, "tax_amount": 0.257341482602818, "total_amount": 100, "principal_amortization_amount": 92.3032577485, "installment_number": 1 }, { "calendar_days": 29, "workdays": 19.0, "business_due_date": "2025-01-21", "due_date": "2025-01-21", "due_principal": 289.8267422515, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 4.9718040699, "tax_amount": 0.4909156601748966, "total_amount": 100, "principal_amortization_amount": 95.0281959301, "installment_number": 2 }, { "calendar_days": 31, "workdays": 23.0, "business_due_date": "2025-02-21", "due_date": "2025-02-21", "due_principal": 194.7985463214, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 3.5742034136, "tax_amount": 0.7432500400879712, "total_amount": 100, "principal_amortization_amount": 96.4257965864, "installment_number": 3 }, { "calendar_days": 28, "workdays": 18.0, "business_due_date": "2025-03-21", "due_date": "2025-03-21", "due_principal": 98.372749735, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 1.6288385793, "tax_amount": 0.9841050988526828, "total_amount": 100, "principal_amortization_amount": 98.3711614207, "installment_number": 4 } ], "issue_amount": 382.13, "disbursed_issue_amount": 374.91, "assignment_amount": 382.13, "final_disbursement_amount": 374.91, "prefixed_interest_rate": { "interest_base": "calendar_days_365", "annual_rate": 0.23872053, "monthly_rate": 0.018, "daily_rate": 0.00058669 } }, { "iof_amount": 4.77, "total_pre_fixed_amount": 24.2597288075, "cet": 0.0243, "annual_cet": 0.334037, "contract_fees": [ { "fee_type": "tac", "amount_type": "percentage", "amount": 0.6, "fee_amount": 2.25 }, { "fee_type": "ted_fee", "amount_type": "absolute", "amount": 1.0, "fee_amount": 1.0 } ], "external_contract_fees": [ { "fee_type": "spread", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "insurance_premium", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "tac", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null } ], "contract_fee_amount": 2.25, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "disbursement_date": "2024-11-06", "first_due_date": "2025-01-21", "installments": [ { "calendar_days": 62, "workdays": 41.0, "business_due_date": "2025-01-21", "due_date": "2025-01-21", "due_principal": 375.74, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 13.9149280115, "tax_amount": 0.437656505989534, "total_amount": 100, "principal_amortization_amount": 86.0850719885, "installment_number": 1 }, { "calendar_days": 31, "workdays": 23.0, "business_due_date": "2025-02-21", "due_date": "2025-02-21", "due_principal": 289.6549280115, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 5.3146959395, "tax_amount": 0.722070128765373, "total_amount": 100, "principal_amortization_amount": 94.6853040605, "installment_number": 2 }, { "calendar_days": 28, "workdays": 18.0, "business_due_date": "2025-03-21", "due_date": "2025-03-21", "due_principal": 194.969623951, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 3.2283291407, "tax_amount": 0.9601685182659746, "total_amount": 100, "principal_amortization_amount": 96.7716708593, "installment_number": 3 }, { "calendar_days": 31, "workdays": 21.0, "business_due_date": "2025-04-07", "due_date": "2025-04-07", "due_principal": 98.1979530917, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 1.8017757158, "tax_amount": 1.2239426674782687, "total_amount": 100, "principal_amortization_amount": 98.1982242842, "installment_number": 4 } ], "issue_amount": 375.74, "disbursed_issue_amount": 367.72, "assignment_amount": 375.74, "final_disbursement_amount": 367.72, "prefixed_interest_rate": { "interest_base": "calendar_days_365", "annual_rate": 0.23872053, "monthly_rate": 0.018, "daily_rate": 0.00058669 } }, { "iof_amount": 4.74, "total_pre_fixed_amount": 24.0392857898, "cet": 0.0243, "annual_cet": 0.334673, "contract_fees": [ { "fee_type": "tac", "amount_type": "percentage", "amount": 0.6, "fee_amount": 2.26 }, { "fee_type": "ted_fee", "amount_type": "absolute", "amount": 1.0, "fee_amount": 1.0 } ], "external_contract_fees": [ { "fee_type": "spread", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "insurance_premium", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "tac", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null } ], "contract_fee_amount": 2.26, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "disbursement_date": "2024-11-07", "first_due_date": "2025-01-21", "installments": [ { "calendar_days": 61, "workdays": 40.0, "business_due_date": "2025-01-21", "due_date": "2025-01-21", "due_principal": 375.96, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 13.6944849939, "tax_amount": 0.4317001860605122, "total_amount": 100, "principal_amortization_amount": 86.3055150061, "installment_number": 1 }, { "calendar_days": 31, "workdays": 23.0, "business_due_date": "2025-02-21", "due_date": "2025-02-21", "due_principal": 289.6544849939, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 5.3146959395, "tax_amount": 0.714305933832412, "total_amount": 100, "principal_amortization_amount": 94.6853040605, "installment_number": 2 }, { "calendar_days": 28, "workdays": 18.0, "business_due_date": "2025-03-21", "due_date": "2025-03-21", "due_principal": 194.9691809334, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 3.2283291407, "tax_amount": 0.952233241255512, "total_amount": 100, "principal_amortization_amount": 96.7716708593, "installment_number": 3 }, { "calendar_days": 31, "workdays": 21.0, "business_due_date": "2025-04-07", "due_date": "2025-04-07", "due_principal": 98.1975100741, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 1.8017757157, "tax_amount": 1.2158904130882027, "total_amount": 100, "principal_amortization_amount": 98.1982242843, "installment_number": 4 } ], "issue_amount": 375.96, "disbursed_issue_amount": 367.96, "assignment_amount": 375.96, "final_disbursement_amount": 367.96, "prefixed_interest_rate": { "interest_base": "calendar_days_365", "annual_rate": 0.23872053, "monthly_rate": 0.018, "daily_rate": 0.00058669 } }, { "iof_amount": 4.71, "total_pre_fixed_amount": 23.8187134405, "cet": 0.0244, "annual_cet": 0.335196, "contract_fees": [ { "fee_type": "tac", "amount_type": "percentage", "amount": 0.6, "fee_amount": 2.26 }, { "fee_type": "ted_fee", "amount_type": "absolute", "amount": 1.0, "fee_amount": 1.0 } ], "external_contract_fees": [ { "fee_type": "spread", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "insurance_premium", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null }, { "fee_type": "tac", "amount_type": "absolute", "amount": 0.0, "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0, "csll_amount": 0, "irrf_amount": 0, "pis_amount": 0, "cofins_amount": 0, "amount_released": 0, "description": null } ], "contract_fee_amount": 2.26, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "disbursement_date": "2024-11-08", "first_due_date": "2025-01-21", "installments": [ { "calendar_days": 60, "workdays": 39.0, "business_due_date": "2025-01-21", "due_date": "2025-01-21", "due_principal": 376.18, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 13.4739126445, "tax_amount": 0.42570834978906, "total_amount": 100, "principal_amortization_amount": 86.5260873555, "installment_number": 1 }, { "calendar_days": 31, "workdays": 23.0, "business_due_date": "2025-02-21", "due_date": "2025-02-21", "due_principal": 289.6539126445, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 5.3146959395, "tax_amount": 0.706541738899451, "total_amount": 100, "principal_amortization_amount": 94.6853040605, "installment_number": 2 }, { "calendar_days": 28, "workdays": 18.0, "business_due_date": "2025-03-21", "due_date": "2025-03-21", "due_principal": 194.968608584, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 3.2283291407, "tax_amount": 0.9442979642450494, "total_amount": 100, "principal_amortization_amount": 96.7716708593, "installment_number": 3 }, { "calendar_days": 31, "workdays": 21.0, "business_due_date": "2025-04-21", "due_date": "2025-04-21", "due_principal": 98.1969377247, "has_interest": true, "post_fixed_amount": null, "pre_fixed_amount": 1.8017757158, "tax_amount": 1.20783815869566, "total_amount": 100, "principal_amortization_amount": 98.1982242842, "installment_number": 4 } ], "issue_amount": 376.18, "disbursed_issue_amount": 368.21, "assignment_amount": 376.18, "final_disbursement_amount": 368.21, "prefixed_interest_rate": { "interest_base": "calendar_days_365", "annual_rate": 0.23872053, "monthly_rate": 0.018, "daily_rate": 0.00058669 } } ] } } ``` --- ## 2 - Emissão da operação: CRÉDITO NOVO ### Request **POST** /debt Testar no Playground **Sem representante legal** ```json title='Request Body' { "borrower": { "name": "Nome devedor", "email":"email.devedor@gmail.com", "phone": { "number": "999538380", "area_code": "84", "country_code": "055" }, "is_pep": false, "address": { "city": "Natal", "state": "RN", "number": "1984", "street": "Rua", "postal_code": "59065720", "neighborhood": "bairro" }, "birth_date": "1959-07-08", "person_type": "natural", "individual_document_number": "14471835092", "marital_status": "single", "profession": "", "document_identification": "494598fd-c226-4332-a500-591ae3884673", "document_identification_back": "a194d9a3-6790-449b-a429-f450cf904777", "proof_of_residence": "ec838feb-642b-4c58-81d8-f113b607da08", }, "financial": { "interest_type": "pre_price_days", "first_due_date": "2023-09-21", "disbursement_start_date": "2024-11-07", "disbursement_end_date": "2024-11-07", "fine_configuration": { "monthly_rate": 0.0166, "interest_base": "calendar_days", "contract_fine_rate": 0 }, "credit_operation_type": "ccb", "interest_grace_period": 0, "annual_interest_rate": 0.0166, "disbursed_amount": 1234.56, "issue_date": "2024-11-07", "number_of_installments": 10, "principal_grace_period": 0, "rebates": [ // Opcional { "amount": 20, "rebate_bank_account": { "name": "Teste Ltda", "document_number": "18533555000164", "account_digit": "0", "account_number": "4290001", "branch_number": "0001", "bank_code": "329" }, "amount_type": "percentage", "fee_type": "spread" } ] }, "simplified": true, "collaterals": [ { "percentage": 1, "collateral_type": "private_pension", "collateral_data": { "total_gross_amount_lock": 1500, "investment_funds": [ { "susep_process_number": "", "certificate": "", "operating_entity_document_number": "", "plan_type": "", "initial_grace": false, "grace_days": 0, "accumulation_end_date": "2050-01-01", "tax_regime": "progressive", "load_percentage": 0.0, "name": "", "document_number": "", "class": "", "subclass": "", "lock_gross_amount": 500, }, { "susep_process_number": "", "certificate": "", "operating_entity_document_number": "", "plan_type": "", "initial_grace": false, "grace_days": 0, "accumulation_end_date": "2050-01-01", "tax_regime": "progressive", "load_percentage": 0.0, "name": "", "document_number": "", "class": "", "subclass": "", "lock_gross_amount": 500, }, { "susep_process_number": "", "certificate": "", "operating_entity_document_number": "", "plan_type": "", "initial_grace": false, "grace_days": 0, "accumulation_end_date": "2050-01-01", "tax_regime": "progressive", "load_percentage": 0.0, "name": "", "document_number": "", "class": "", "subclass": "", "lock_gross_amount": 500, } ] } } ], "purchaser_document_number": "32402502000135", "disbursement_bank_accounts": [ { "name": "NOME DEVEDOR", "bank_code": "001", "account_digit": "0", "branch_number": "2874", "account_number": "000057555", "document_number": "14471835092", "transfer_method": "pix", "percentage_receivable": 100 } ] } ``` ### Response STATUS **201** (Created) **Response Body** ```json title="Response Body" { "webhook_type": "debt", "key": "", "status": "waiting_signature", "event_datetime": "2024-11-07 23:19:22", "data": { "borrower": { "name": "Nome devedor", "document_number": "14471835092", "related_party_key": "28b7fc16-6d1f-467d-9667-62a8c13daea6" }, "contract": { "number": "TST0000644710", "urls": [ "https://storage.googleapis.com/sandbox-doc-api/documents/a2e9c83a-3666-4def-8b27-e96fabb8705c/NOME_DEVEDOR-CCB-TST0000644710-20241107231916.pdf" ], "signature_information": [ { "signer_name": "Nome devedor", "signer_document_number": "14471835092", "signer_role": "issuer", "signer_email": null, "signer_external_key": null, "signature_url": null } ] }, "requester_identifier_key": "eb859ebe-3a41-49bf-a6c3-d6902039ec00", "iof_charge_method": "financed", "collaterals": [ { "absolute_amount": null, "collateral_constituted": false, "collateral_data": { "operating_entity_document_number": "", "total_gross_amount_lock": 1500, "investment_funds": [ { "susep_process_number": "", "certificate": "", "plan_type": "", // opcional "initial_grace": false, "grace_days": 0, "accumulation_end_date": "2050-01-01", "tax_regime": "progressive", "load_percentage": 0.0, "name": "", "document_number": "", "class": "", // opcional "subclass": "", // opcional "lock_gross_amount": 500, }, { "susep_process_number": "", "certificate": "", "plan_type": "", "initial_grace": false, "grace_days": 0, "accumulation_end_date": "2050-01-01", "tax_regime": "progressive", "load_percentage": 0.0, "name": "", "document_number": "", "class": "", "subclass": "", "lock_gross_amount": 500, }, { "susep_process_number": "", "certificate": "", "plan_type": "", "initial_grace": false, "grace_days": 0, "accumulation_end_date": "2050-01-01", "tax_regime": "progressive", "load_percentage": 0.0, "name": "", "document_number": "", "class": "", "subclass": "", "lock_gross_amount": 500, } ] }, "collateral_key": "26c7f4f4-51f3-41fa-b880-9691211136aa", "collateral_type": "private_pension", "created_at": "2024-11-07T23:19:16.413448", "external_key": null, "percentage": 1, "updated_at": "2024-11-07T23:19:16.413441" } ], "disbursement_options": [ { "disbursement_date": "2024-11-07", "contract_fees": [ { "fee_type": "spread", "fee_amount": 4.55 }, { "fee_type": "ted_fee", "fee_amount": 1.5 } ], "external_contract_fees": [ { "fee_type": "spread", "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0 } ], "contract_fee_amount": 6.05, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "assignment_amount": 914.3, "issue_amount": 909.75, "cet": "2,0100%", "annual_cet": "27,0481%", "base_iof": 16.259002146803677, "additional_iof": 3.45705, "total_iof": 19.72, "total_pre_fixed_amount": 108.6508885851, "installments": [ { "additional_costs": [], "business_due_date": "2025-01-21", "calendar_days": 74, "due_date": "2025-01-21", "due_interest": 0.0, "due_principal": 909.75, "fine_amount": null, "has_interest": true, "installment_number": 1, "post_fixed_amount": null, "pre_fixed_amount": 37.1789024864, "principal_amortization_amount": 64.6610975136, "tax_amount": 0.3923635397125248, "total_amount": 101.84, "workdays": 49.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-02-21", "calendar_days": 31, "due_date": "2025-02-21", "due_interest": 0.0, "due_principal": 845.0889024864, "fine_amount": null, "has_interest": true, "installment_number": 2, "post_fixed_amount": null, "pre_fixed_amount": 14.2997636051, "principal_amortization_amount": 87.5402363949, "tax_amount": 0.753721435360089, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-03-21", "calendar_days": 28, "due_date": "2025-03-21", "due_interest": 0.0, "due_principal": 757.5486660915, "fine_amount": null, "has_interest": true, "installment_number": 3, "post_fixed_amount": null, "pre_fixed_amount": 11.5685715131, "principal_amortization_amount": 90.2714284869, "tax_amount": 0.9845001990781314, "total_amount": 101.84, "workdays": 18.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-04-21", "calendar_days": 33, "due_date": "2025-04-21", "due_interest": 0.0, "due_principal": 667.2772376046, "fine_amount": null, "has_interest": true, "installment_number": 4, "post_fixed_amount": null, "pre_fixed_amount": 12.025984633, "principal_amortization_amount": 89.814015367, "tax_amount": 1.222548377175604, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-05-21", "calendar_days": 28, "due_date": "2025-05-21", "due_interest": 0.0, "due_principal": 577.4632222376, "fine_amount": null, "has_interest": true, "installment_number": 5, "post_fixed_amount": null, "pre_fixed_amount": 8.8184725787, "principal_amortization_amount": 93.0215274213, "tax_amount": 1.4797864582180404, "total_amount": 101.84, "workdays": 19.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-06-21", "calendar_days": 31, "due_date": "2025-06-21", "due_interest": 0.0, "due_principal": 484.4416948163, "fine_amount": null, "has_interest": true, "installment_number": 6, "post_fixed_amount": null, "pre_fixed_amount": 8.1972396908, "principal_amortization_amount": 93.6427603092, "tax_amount": 1.72770892770474, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-07-21", "calendar_days": 31, "due_date": "2025-07-21", "due_interest": 0.0, "due_principal": 390.7989345071, "fine_amount": null, "has_interest": true, "installment_number": 7, "post_fixed_amount": null, "pre_fixed_amount": 6.6127072945, "principal_amortization_amount": 95.2272927055, "tax_amount": 1.999011328473856, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-08-21", "calendar_days": 30, "due_date": "2025-08-21", "due_interest": 0.0, "due_principal": 295.5716418016, "fine_amount": null, "has_interest": true, "installment_number": 8, "post_fixed_amount": null, "pre_fixed_amount": 4.8387153664, "principal_amortization_amount": 97.0012846336, "tax_amount": 2.274874127227187, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-09-21", "calendar_days": 33, "due_date": "2025-09-21", "due_interest": 0.0, "due_principal": 198.570357168, "fine_amount": null, "has_interest": true, "installment_number": 9, "post_fixed_amount": null, "pre_fixed_amount": 3.5787172455, "principal_amortization_amount": 98.2612827545, "tax_amount": 2.570318634292211, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-10-21", "calendar_days": 28, "due_date": "2025-10-21", "due_interest": 0.0, "due_principal": 100.3090744135, "fine_amount": null, "has_interest": true, "installment_number": 10, "post_fixed_amount": null, "pre_fixed_amount": 1.5318141716, "principal_amortization_amount": 100.3081858284, "tax_amount": 2.8541691195612935, "total_amount": 101.84, "workdays": 20.0, "installment_status": null, "installment_type": null } ], "first_due_date": "2025-01-21", "prefixed_interest_rate": { "monthly_rate": 0.0166, "daily_rate": 0.00054142, "annual_rate": 0.21843191, "interest_base": "calendar_days_365" } }, { "disbursement_date": "2024-11-08", "contract_fees": [ { "fee_type": "spread", "fee_amount": 4.55 }, { "fee_type": "ted_fee", "fee_amount": 1.5 } ], "external_contract_fees": [ { "fee_type": "spread", "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0 } ], "contract_fee_amount": 6.05, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "assignment_amount": 914.79, "issue_amount": 910.24, "cet": "2,0200%", "annual_cet": "27,0539%", "base_iof": 16.187351160427028, "additional_iof": 3.458912, "total_iof": 19.65, "total_pre_fixed_amount": 108.1583324947, "installments": [ { "additional_costs": [], "business_due_date": "2025-01-21", "calendar_days": 73, "due_date": "2025-01-21", "due_interest": 0.0, "due_principal": 910.24, "fine_amount": null, "has_interest": true, "installment_number": 1, "post_fixed_amount": null, "pre_fixed_amount": 36.6863463961, "principal_amortization_amount": 65.1536536039, "tax_amount": 0.3900097704729454, "total_amount": 101.84, "workdays": 48.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-02-21", "calendar_days": 31, "due_date": "2025-02-21", "due_interest": 0.0, "due_principal": 845.0863463961, "fine_amount": null, "has_interest": true, "installment_number": 2, "post_fixed_amount": null, "pre_fixed_amount": 14.2997636051, "principal_amortization_amount": 87.5402363949, "tax_amount": 0.7465431359757072, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-03-21", "calendar_days": 28, "due_date": "2025-03-21", "due_interest": 0.0, "due_principal": 757.5461100012, "fine_amount": null, "has_interest": true, "installment_number": 3, "post_fixed_amount": null, "pre_fixed_amount": 11.5685715131, "principal_amortization_amount": 90.2714284869, "tax_amount": 0.9770979419422056, "total_amount": 101.84, "workdays": 18.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-04-21", "calendar_days": 33, "due_date": "2025-04-21", "due_interest": 0.0, "due_principal": 667.2746815143, "fine_amount": null, "has_interest": true, "installment_number": 4, "post_fixed_amount": null, "pre_fixed_amount": 12.025984633, "principal_amortization_amount": 89.814015367, "tax_amount": 1.21518362791551, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-05-21", "calendar_days": 28, "due_date": "2025-05-21", "due_interest": 0.0, "due_principal": 577.4606661473, "fine_amount": null, "has_interest": true, "installment_number": 5, "post_fixed_amount": null, "pre_fixed_amount": 8.8184725787, "principal_amortization_amount": 93.0215274213, "tax_amount": 1.4721586929694939, "total_amount": 101.84, "workdays": 19.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-06-21", "calendar_days": 31, "due_date": "2025-06-21", "due_interest": 0.0, "due_principal": 484.439138726, "fine_amount": null, "has_interest": true, "installment_number": 6, "post_fixed_amount": null, "pre_fixed_amount": 8.1972396908, "principal_amortization_amount": 93.6427603092, "tax_amount": 1.7200302213593857, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-07-21", "calendar_days": 31, "due_date": "2025-07-21", "due_interest": 0.0, "due_principal": 390.7963784168, "fine_amount": null, "has_interest": true, "installment_number": 7, "post_fixed_amount": null, "pre_fixed_amount": 6.6127072945, "principal_amortization_amount": 95.2272927055, "tax_amount": 1.991202690472005, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-08-21", "calendar_days": 30, "due_date": "2025-08-21", "due_interest": 0.0, "due_principal": 295.5690857113, "fine_amount": null, "has_interest": true, "installment_number": 8, "post_fixed_amount": null, "pre_fixed_amount": 4.8387153664, "principal_amortization_amount": 97.0012846336, "tax_amount": 2.266920021887232, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-09-21", "calendar_days": 33, "due_date": "2025-09-21", "due_interest": 0.0, "due_principal": 198.5678010777, "fine_amount": null, "has_interest": true, "installment_number": 9, "post_fixed_amount": null, "pre_fixed_amount": 3.5787172455, "principal_amortization_amount": 98.2612827545, "tax_amount": 2.562261209106342, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-10-21", "calendar_days": 28, "due_date": "2025-10-21", "due_interest": 0.0, "due_principal": 100.3065183232, "fine_amount": null, "has_interest": true, "installment_number": 10, "post_fixed_amount": null, "pre_fixed_amount": 1.5318141715, "principal_amortization_amount": 100.3081858285, "tax_amount": 2.845943848326202, "total_amount": 101.84, "workdays": 20.0, "installment_status": null, "installment_type": null } ], "first_due_date": "2025-01-21", "prefixed_interest_rate": { "monthly_rate": 0.0166, "daily_rate": 0.00054142, "annual_rate": 0.21843191, "interest_base": "calendar_days_365" } }, { "disbursement_date": "2024-11-09", "contract_fees": [ { "fee_type": "spread", "fee_amount": 4.55 }, { "fee_type": "ted_fee", "fee_amount": 1.5 } ], "external_contract_fees": [ { "fee_type": "spread", "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0 } ], "contract_fee_amount": 6.05, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "assignment_amount": 915.28, "issue_amount": 910.73, "cet": "2,0200%", "annual_cet": "27,0599%", "base_iof": 16.115620969325082, "additional_iof": 3.460774, "total_iof": 19.58, "total_pre_fixed_amount": 107.6655097248, "installments": [ { "additional_costs": [], "business_due_date": "2025-01-21", "calendar_days": 72, "due_date": "2025-01-21", "due_interest": 0.0, "due_principal": 910.73, "fine_amount": null, "has_interest": true, "installment_number": 1, "post_fixed_amount": null, "pre_fixed_amount": 36.1935236262, 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"workdays": 20.0, "installment_status": null, "installment_type": null } ], "first_due_date": "2025-01-21", "prefixed_interest_rate": { "monthly_rate": 0.0166, "daily_rate": 0.00054142, "annual_rate": 0.21843191, "interest_base": "calendar_days_365" } }, { "disbursement_date": "2024-11-13", "contract_fees": [ { "fee_type": "spread", "fee_amount": 4.56 }, { "fee_type": "ted_fee", "fee_amount": 1.5 } ], "external_contract_fees": [ { "fee_type": "spread", "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0 } ], "contract_fee_amount": 6.06, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "assignment_amount": 917.27, "issue_amount": 912.71, "cet": "2,0200%", "annual_cet": "27,0802%", "base_iof": 15.827906861727051, "additional_iof": 3.468298, "total_iof": 19.3, "total_pre_fixed_amount": 105.691548961, "installments": [ { "additional_costs": [], "business_due_date": "2025-01-21", "calendar_days": 68, "due_date": "2025-01-21", "due_interest": 0.0, "due_principal": 912.71, "fine_amount": null, "has_interest": true, "installment_number": 1, "post_fixed_amount": null, "pre_fixed_amount": 34.2195628621, "principal_amortization_amount": 67.6204371379, "tax_amount": 0.3770515574809304, "total_amount": 101.84, "workdays": 45.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-02-21", "calendar_days": 31, "due_date": "2025-02-21", "due_interest": 0.0, "due_principal": 845.0895628621, "fine_amount": null, "has_interest": true, "installment_number": 2, "post_fixed_amount": null, "pre_fixed_amount": 14.2997636051, "principal_amortization_amount": 87.5402363949, "tax_amount": 0.7106516390537982, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-03-21", "calendar_days": 28, "due_date": "2025-03-21", "due_interest": 0.0, "due_principal": 757.5493264672, "fine_amount": null, "has_interest": true, "installment_number": 3, "post_fixed_amount": null, "pre_fixed_amount": 11.5685715131, "principal_amortization_amount": 90.2714284869, "tax_amount": 0.9400866562625766, "total_amount": 101.84, "workdays": 18.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-04-21", "calendar_days": 33, "due_date": "2025-04-21", "due_interest": 0.0, "due_principal": 667.2778979803, "fine_amount": null, "has_interest": true, "installment_number": 4, "post_fixed_amount": null, "pre_fixed_amount": 12.025984633, "principal_amortization_amount": 89.814015367, "tax_amount": 1.17835988161504, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-05-21", "calendar_days": 28, "due_date": "2025-05-21", "due_interest": 0.0, "due_principal": 577.4638826133, "fine_amount": null, "has_interest": true, "installment_number": 5, "post_fixed_amount": null, "pre_fixed_amount": 8.8184725787, "principal_amortization_amount": 93.0215274213, "tax_amount": 1.4340198667267607, "total_amount": 101.84, "workdays": 19.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-06-21", "calendar_days": 31, "due_date": "2025-06-21", "due_interest": 0.0, "due_principal": 484.442355192, "fine_amount": null, "has_interest": true, "installment_number": 6, "post_fixed_amount": null, "pre_fixed_amount": 8.1972396908, "principal_amortization_amount": 93.6427603092, "tax_amount": 1.6816366896326136, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-07-21", "calendar_days": 31, "due_date": "2025-07-21", "due_interest": 0.0, "due_principal": 390.7995948828, "fine_amount": null, "has_interest": true, "installment_number": 7, "post_fixed_amount": null, "pre_fixed_amount": 6.6127072945, "principal_amortization_amount": 95.2272927055, "tax_amount": 1.95215950046275, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-08-21", "calendar_days": 30, "due_date": "2025-08-21", "due_interest": 0.0, "due_principal": 295.5723021773, "fine_amount": null, "has_interest": true, "installment_number": 8, "post_fixed_amount": null, "pre_fixed_amount": 4.8387153664, "principal_amortization_amount": 97.0012846336, "tax_amount": 2.227149495187456, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-09-21", "calendar_days": 33, "due_date": "2025-09-21", "due_interest": 0.0, "due_principal": 198.5710175437, "fine_amount": null, "has_interest": true, "installment_number": 9, "post_fixed_amount": null, "pre_fixed_amount": 3.5787172455, "principal_amortization_amount": 98.2612827545, "tax_amount": 2.521974083176997, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-10-21", "calendar_days": 28, "due_date": "2025-10-21", "due_interest": 0.0, "due_principal": 100.3097347892, "fine_amount": null, "has_interest": true, "installment_number": 10, "post_fixed_amount": null, "pre_fixed_amount": 1.5318141718, "principal_amortization_amount": 100.3081858282, "tax_amount": 2.8048174921281284, "total_amount": 101.84, "workdays": 20.0, "installment_status": null, "installment_type": null } ], "first_due_date": "2025-01-21", "prefixed_interest_rate": { "monthly_rate": 0.0166, "daily_rate": 0.00054142, "annual_rate": 0.21843191, "interest_base": "calendar_days_365" } }, { "disbursement_date": "2024-11-14", "contract_fees": [ { "fee_type": "spread", "fee_amount": 4.57 }, { "fee_type": "ted_fee", "fee_amount": 1.5 } ], "external_contract_fees": [ { "fee_type": "spread", "fee_amount": 0.0, "tax_amount": 0.0, "net_fee_amount": 0.0 } ], "contract_fee_amount": 6.07, "external_contract_fee_amount": 0.0, "net_external_contract_fee_amount": 0.0, "assignment_amount": 917.77, "issue_amount": 913.2, "cet": "2,0200%", "annual_cet": "27,0870%", "base_iof": 15.755779674642707, "additional_iof": 3.47016, "total_iof": 19.23, "total_pre_fixed_amount": 105.1973906257, "installments": [ { "additional_costs": [], "business_due_date": "2025-01-21", "calendar_days": 67, "due_date": "2025-01-21", "due_interest": 0.0, "due_principal": 913.2, "fine_amount": null, "has_interest": true, "installment_number": 1, "post_fixed_amount": null, "pre_fixed_amount": 33.7254045271, "principal_amortization_amount": 68.1145954729, "tax_amount": 0.3742215875281126, "total_amount": 101.84, "workdays": 44.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-02-21", "calendar_days": 31, "due_date": "2025-02-21", "due_interest": 0.0, "due_principal": 845.0854045271, "fine_amount": null, "has_interest": true, "installment_number": 2, "post_fixed_amount": null, "pre_fixed_amount": 14.2997636051, "principal_amortization_amount": 87.5402363949, "tax_amount": 0.7034733396694164, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-03-21", "calendar_days": 28, "due_date": "2025-03-21", "due_interest": 0.0, "due_principal": 757.5451681322, "fine_amount": null, "has_interest": true, "installment_number": 3, "post_fixed_amount": null, "pre_fixed_amount": 11.5685715131, "principal_amortization_amount": 90.2714284869, "tax_amount": 0.9326843991266508, "total_amount": 101.84, "workdays": 18.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-04-21", "calendar_days": 33, "due_date": "2025-04-21", "due_interest": 0.0, "due_principal": 667.2737396453, "fine_amount": null, "has_interest": true, "installment_number": 4, "post_fixed_amount": null, "pre_fixed_amount": 12.025984633, "principal_amortization_amount": 89.814015367, "tax_amount": 1.170995132354946, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-05-21", "calendar_days": 28, "due_date": "2025-05-21", "due_interest": 0.0, "due_principal": 577.4597242783, "fine_amount": null, "has_interest": true, "installment_number": 5, "post_fixed_amount": null, "pre_fixed_amount": 8.8184725787, "principal_amortization_amount": 93.0215274213, "tax_amount": 1.4263921014782142, "total_amount": 101.84, "workdays": 19.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-06-21", "calendar_days": 31, "due_date": "2025-06-21", "due_interest": 0.0, "due_principal": 484.438196857, "fine_amount": null, "has_interest": true, "installment_number": 6, "post_fixed_amount": null, "pre_fixed_amount": 8.1972396908, "principal_amortization_amount": 93.6427603092, "tax_amount": 1.6739579832872593, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-07-21", "calendar_days": 31, "due_date": "2025-07-21", "due_interest": 0.0, "due_principal": 390.7954365478, "fine_amount": null, "has_interest": true, "installment_number": 7, "post_fixed_amount": null, "pre_fixed_amount": 6.6127072945, "principal_amortization_amount": 95.2272927055, "tax_amount": 1.944350862460899, "total_amount": 101.84, "workdays": 21.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-08-21", "calendar_days": 30, "due_date": "2025-08-21", "due_interest": 0.0, "due_principal": 295.5681438423, "fine_amount": null, "has_interest": true, "installment_number": 8, "post_fixed_amount": null, "pre_fixed_amount": 4.8387153664, "principal_amortization_amount": 97.0012846336, "tax_amount": 2.219195389847501, "total_amount": 101.84, "workdays": 22.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-09-21", "calendar_days": 33, "due_date": "2025-09-21", "due_interest": 0.0, "due_principal": 198.5668592087, "fine_amount": null, "has_interest": true, "installment_number": 9, "post_fixed_amount": null, "pre_fixed_amount": 3.5787172455, "principal_amortization_amount": 98.2612827545, "tax_amount": 2.513916657991128, "total_amount": 101.84, "workdays": 23.0, "installment_status": null, "installment_type": null }, { "additional_costs": [], "business_due_date": "2025-10-21", "calendar_days": 28, "due_date": "2025-10-21", "due_interest": 0.0, "due_principal": 100.3055764542, "fine_amount": null, "has_interest": true, "installment_number": 10, "post_fixed_amount": null, "pre_fixed_amount": 1.5318141715, "principal_amortization_amount": 100.3081858285, "tax_amount": 2.79659222089858, "total_amount": 101.84, "workdays": 20.0, "installment_status": null, "installment_type": null } ], "first_due_date": "2025-01-21", "prefixed_interest_rate": { "monthly_rate": 0.0166, "daily_rate": 0.00054142, "annual_rate": 0.21843191, "interest_base": "calendar_days_365" } } ] } } ``` ### Objeto Installments | Campo | Descrição | |-------|-----------| | additional_costs | Custos adicionais | | business_due_date | Data de vencimento em dia útil | | calendar_days | Dias corridos | | due_date | Data de vencimento | | due_interest | Juros do vencimento | | due_principal | Principal do vencimento | | fine_amount | Multa do vencimento | | has_interest | Indica se o vencimento possui juros | | installment_number | Número da parcela | | installment_status | Status da parcela | | installment_type | Tipo de parcela | | post_fixed_amount | Valor da parcela após juros | | pre_fixed_amount | Valor da parcela antes de juros | | principal_amortization_amount | Valor da amortização do principal da parcela | | tax_amount | Valor dos juros da parcela | | total_amount | Valor total da parcela | | workdays | Dias úteis | ### Objeto Prefixed Interest Rate | Campo | Descrição | |-------|-----------| | monthly_rate | Taxa mensal | | daily_rate | Taxa diária | | annual_rate | Taxa anual | | interest_base | Base de cálculo da taxa de juros | ### Webhooks Caso a operação não seja assinada ou averbada até a última opção de data de desembolso o parceiro receberá um webhook informando a respeito do cancelamento da operação: WEBHOOK TYPE debt STATUS Canceled **Webhook Body** ```json title="Webhook Body" { "key": "", "status": "canceled", "webhook_type": "debt", "event_datetime": "2025-03-18 13:46:31", "data": { "cancel_reason": "", "cancel_reason_enumerator": "" } } ``` ### Objeto Data | Campo | Descrição | |-------|-----------| | cancel_reason | Motivo do cancelamento | | cancel_reason_enumerator | Enumerador do motivo do cancelamento | ## Webhooks Após a assinatura do contrato, o parceiro receberá um webhook informando a respeito da assinatura do contrato. Com o seguinte body: ```json { "key": "", "status": "signed", "signers": [ { "id": "3271efd3-89ba-43aa-b032-af9a459e6096", "images": { "face_image_url": "https://qisign-face-images-bucket-sandbox.s3.amazonaws.com/fad7f924-d210-4ec4-9565-a57662a0a65a.jpeg", "document_back_url": "https://qisign-personal-documents-bucket-sandbox.s3.amazonaws.com/8c7b68ba-07ad-4188-82ae-679833b2843b.jpeg", "document_front_url": "https://qisign-personal-documents-bucket-sandbox.s3.amazonaws.com/f63cd291-5668-4926-be5d-9290aeda3f6e.jpeg", "document_back_template": "cnh_back", "document_front_template": "cnh_front" }, "biometry": { "face_validation": { "score": 80, "provider": "qitech", "available": true }, "fraud_base_flag": false }, "document": { "template": "cnh_front", "face_match_score": 100 }, "liveness": { "result": "live" }, "signed_at": "2025-04-09T19:59:39Z", "ip_address": "182.224.219.198", "signer_data": { "name": "Nome Trabalhador", "email": "exemplo@qitech.com.br", "phone": { "number": "829549234", "area_code": "11", "international_dial_code": "55" }, "address": { "uf": "SP", "city": "Sao Paulo", "number": "123", "street": "Rua tal do sal", "complement": "Ap 23", "postal_code": "00000-000", "neighborhood": "Pinheiros" }, "pix_key": "pix03@pix03.com", "birthdate": "1996-03-13", "document_number": "504.856.400-66", "document_submission_method": "email", "authentication_submission_method": "sms" } } ], "webhook_type": "laas.credit_operation.status_change", "event_datetime": "2025-04-09 20:00:19", "signed_contract_url": "https://storage.googleapis.com/sandbox-doc-api/documents/9b55450e-fca5-44f2-9118-5851ed4bd92e/CCB-0000195364-2230409195718_signed.pdf" } ``` ### Objeto Signers | Campo | Descrição | |-------|-----------| | id | ID do signatário | | images | Imagens do signatário | ### Objeto Images | Campo | Descrição | |-------|-----------| | face_image_url | URL da imagem da face do signatário | | document_back_url | URL da imagem do verso do documento do signatário | | document_front_url | URL da imagem do documento do signatário | | document_back_template | Template do verso do documento do signatário | | document_front_template | Template do documento do signatário | ### Objeto Biometry | Campo | Descrição | |-------|-----------| | face_validation | Validação da rosto do signatário (true ou false) | | face_validation.score | Pontuação da rosto do signatário (0 a 100) | | face_validation.available | Disponibilidade da validação da rosto do signatário (true ou false) | | face_validation.provider | Provedor da validação da rosto do signatário (qitech ou external) | | fraud_base_flag | Flag de fraude base (true ou false) | ### Objeto Document | Campo | Descrição | |-------|-----------| | template | Template do documento (cnh_front, cnh_back, rg_front, rg_back) | | face_match_score | Pontuação da rosto do signatário (0 a 100) | ### Objeto Liveness | Campo | Descrição | |-------|-----------| | result | Resultado da liveness (live ou spoof) | ### Objeto Signer Data | Campo | Descrição | |-------|-----------| | name | Nome do signatário | | email | Email do signatário | | phone | Telefone do signatário | ### Objeto Address | Campo | Descrição | |-------|-----------| | uf | Unidade Federativa | | city | Cidade | | number | Número | | street | Rua | | complement | Complemento | | postal_code | CEP | | neighborhood | Bairro | ## Enumeradores ### Status da reserva {#status-da-reserva} ENUMERADOR reservation_status | Status | Descrição | | ----------------------------- | ------------------------------------------------------------------------- | | pending_reservation | A reserva foi criada e está pendente de averbação. | | pending_documents_submission | A reserva já foi averbada e está pendente de envio de documentos. | | reserved | A reserva foi averbada com sucesso. Fluxo de averbação concluído. | | canceled | Em caso de envio de documentos inválidos, a reserva é cancelada. | | settled | A reserva foi liquidada com sucesso. | | pending_deletion | A reserva está averbada e foi solicitada a exclusão. | | deleted | A reserva foi excluída com sucesso. |