# QI Tech — Lending-as-a-Service › Refinanciamento

Documentação da QI Tech em texto corrido, para colar em um LLM.
Fonte: https://docs.qitech.com.br
4 página(s).

Índice:
- Consulta de valor presente de uma operação (/documentation/refinanciamento/consulta_de_valor_presente_de_uma_operacao)
- introducao (/documentation/refinanciamento/introducao)
- Simulando um refinanciamento (/documentation/refinanciamento/simulando_refinanciamento)
- Criar um refinanciamento (/documentation/refinanciamento/solicitando_refinanciamento)

---

# Consulta de valor presente de uma operação

URL: /documentation/refinanciamento/consulta_de_valor_presente_de_uma_operacao

Para descobrir o valor presente que será utilizado no refinanciamento de uma operação, é possível utilizar o endpoint de consulta de dívidas indicando 4 query params chave listados abaixo.

## Request

ENDPOINT /debt
MÉTODO GET

## Query Params
| Campo | Tipo | Descrição | Caracteres |
|---|---| ---| ---|
| `key` * | string | Chave da dívida devolvida no momento da criação da operação de crédito. | - |
| `eval_present_value` * | string | Indica que o valor atual de cada parcela deve ser calculado e mostrado. | - |
| `calculate_delay` * | string | Indica que, se a parcela estiver vencida, os juros de mora e multa devem ser calculados com o valor presente. | - |
| `calculate_spread` * | booleano | Indica se o valor de spread da operação deve ser adicionado ao valor presente (para operações de refinanciamento deve ser falso). | - |

## Response

STATUS 200

Response Body

```json
{
	"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": [{
				"additional_costs": [],
				"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": {
					"enumerator": "calendar_days",
					"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,
				"additional_costs": [],
				"advanced_paid_amount": 0,
				"bank_slip_key": "9d8c566a-c865-495e-8764-db8351e7ac41",
				"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": [{
						"amount": null,
						"created_at": "2022-10-19T11:54:47",
						"event_date": "2022-10-19T11:54:47",
						"installment_event_type": {
							"enumerator": "open",
							"translation_path": "co.InstallmentEventType.open"
						},
						"installment_old_status": {
							"enumerator": "created",
							"translation_path": "co.InstallmentStatus.created"
						},
						"old_due_date": null
					},
					{
						"amount": null,
						"created_at": "2022-11-18T08:00:10",
						"event_date": "2022-11-18T08:00:10",
						"installment_event_type": {
							"enumerator": "maturity",
							"translation_path": "co.InstallmentEventType.maturity"
						},
						"installment_old_status": {
							"enumerator": "opened",
							"translation_path": "co.InstallmentStatus.opened"
						},
						"old_due_date": null
					},
					{
						"amount": 11.76,
						"created_at": "2022-11-22T08:00:14",
						"event_date": "2022-11-22T08:00:14",
						"installment_event_type": {
							"enumerator": "delay_fine",
							"translation_path": "co.InstallmentEventType.delay_fine"
						},
						"installment_old_status": {
							"enumerator": "waiting_payment",
							"translation_path": "co.InstallmentStatus.waiting_payment"
						},
						"old_due_date": null
					},
					{
						"amount": 11.94,
						"created_at": "2022-11-23T09:13:46",
						"event_date": "2022-11-23T09:13:46",
						"installment_event_type": {
							"enumerator": "delay_fine",
							"translation_path": "co.InstallmentEventType.delay_fine"
						},
						"installment_old_status": {
							"enumerator": "overdue",
							"translation_path": "co.InstallmentStatus.overdue"
						},
						"old_due_date": null
					},
					{
						"amount": 12.12,
						"created_at": "2022-11-24T09:15:55",
						"event_date": "2022-11-24T09:15:55",
						"installment_event_type": {
							"enumerator": "delay_fine",
							"translation_path": "co.InstallmentEventType.delay_fine"
						},
						"installment_old_status": {
							"enumerator": "overdue",
							"translation_path": "co.InstallmentStatus.overdue"
						},
						"old_due_date": null
					},
					{
						"amount": 12.3,
						"created_at": "2022-11-25T09:24:45",
						"event_date": "2022-11-25T09:24:44",
						"installment_event_type": {
							"enumerator": "delay_fine",
							"translation_path": "co.InstallmentEventType.delay_fine"
						},
						"installment_old_status": {
							"enumerator": "overdue",
							"translation_path": "co.InstallmentStatus.overdue"
						},
						"old_due_date": null
					},
					{
						"amount": 12.84,
						"created_at": "2022-11-28T09:37:41",
						"event_date": "2022-11-28T09:37:41",
						"installment_event_type": {
							"enumerator": "delay_fine",
							"translation_path": "co.InstallmentEventType.delay_fine"
						},
						"installment_old_status": {
							"enumerator": "overdue",
							"translation_path": "co.InstallmentStatus.overdue"
						},
						"old_due_date": null
					},
					{
						"amount": 13.02,
						"created_at": "2022-11-29T09:17:44",
						"event_date": "2022-11-29T09:17:44",
						"installment_event_type": {
							"enumerator": "delay_fine",
							"translation_path": "co.InstallmentEventType.delay_fine"
						},
						"installment_old_status": {
							"enumerator": "overdue",
							"translation_path": "co.InstallmentStatus.overdue"
						},
						"old_due_date": null
					}
				],
				"fine_amount": 13.02,
				"has_interest": true,
				"installment_key": "1d76836e-1fcc-4b67-8c01-64faa43de9c8",
				"installment_number": 1,
				"installment_payment": [],
				"installment_status": {
					"enumerator": "overdue",
					"translation_path": "co.InstallmentStatus.overdue"
				},
				"installment_type": {
					"enumerator": "principal",
					"translation_path": "co.InstallmentType.principal"
				},
				"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,
				"paid_at": null,
				"payment_type": {
					"enumerator": "bankslip",
					"translation_path": "co.PaymentType.bankslip"
				},
				"post_fixed_amount": 0,
				"pre_fixed_amount": 75.66402982,
				"principal_amortization_amount": 476.64597018,
				"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",
				"renegotiation_proposal_key": null,
				"tax_amount": 1.17254909,
				"total_accrual_amount": null,
				"total_amount": 565.33,
				"total_paid_amount": 0,
				"updated_at": "2022-11-29T09:17:44",
				"workdays": 20,
				"present_amount": 1000.11
			},
			{
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				"additional_costs": [],
				"advanced_paid_amount": 0,
				"bank_slip_key": "527835e4-7b09-42f2-a7d0-befed3a326fd",
				"business_due_date": "2022-12-20",
				"calendar_days": 31,
				"cetip_settlements": [],
				"created_at": "2022-10-19T11:53:00",
				"digitable_line": "32990001031000699925349000000205492040000055231",
				"due_date": "2022-12-19",
				"due_interest": 0,
				"due_principal": 2562.07402982,
				"events": [{
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					"created_at": "2022-10-19T11:54:47",
					"event_date": "2022-10-19T11:54:47",
					"installment_event_type": {
						"enumerator": "open",
						"translation_path": "co.InstallmentEventType.open"
					},
					"installment_old_status": {
						"enumerator": "created",
						"translation_path": "co.InstallmentStatus.created"
					},
					"old_due_date": null
				}],
				"fine_amount": null,
				"has_interest": true,
				"installment_key": "dde36938-8594-4507-a87d-cd2dd5309817",
				"installment_number": 2,
				"installment_payment": [],
				"installment_status": {
					"enumerator": "opened",
					"translation_path": "co.InstallmentStatus.opened"
				},
				"installment_type": {
					"enumerator": "principal",
					"translation_path": "co.InstallmentType.principal"
				},
				"original_due_principal": 2562.07402982,
				"original_pre_fixed_amount": 65.94922003,
				"original_principal_amortization_amount": 486.36077997,
				"original_total_amount": 552.31,
				"paid_amount": 0,
				"paid_at": null,
				"payment_type": {
					"enumerator": "bankslip",
					"translation_path": "co.PaymentType.bankslip"
				},
				"post_fixed_amount": 0,
				"pre_fixed_amount": 65.94922003,
				"principal_amortization_amount": 486.36077997,
				"qr_code_key": "9d2980e9-fa0c-4b21-a7c5-5ca266c9aba8",
				"qr_code_url": "00020126970014br.gov.bcb.pix2575qrcode-h.sandbox.qitech.app/bacen/cobv/9d2980e9-fa0c-4b21-a7c5-5ca266c9aba85204000053039865802BR5925QI SOCIEDADE DE CREDITO D6009Sao Paulo61080145200062070503***6304FBC3",
				"renegotiation_proposal_key": null,
				"tax_amount": 2.43277662,
				"total_accrual_amount": null,
				"total_amount": 552.31,
				"total_paid_amount": 0,
				"updated_at": "2022-10-19T11:56:43",
				"workdays": 21,
				"present_amount": 1000.11
			},
			{
				"accrual_reference_date": null,
				"additional_costs": [],
				"advanced_paid_amount": 0,
				"bank_slip_key": "d69c9ab6-01f1-40bb-9519-a06ee2230c22",
				"business_due_date": "2023-01-19",
				"calendar_days": 30,
				"cetip_settlements": [],
				"created_at": "2022-10-19T11:53:00",
				"digitable_line": "32990001031000699925350000000203192340000055231",
				"due_date": "2023-01-18",
				"due_interest": 0,
				"due_principal": 2075.71324985,
				"events": [{
					"amount": null,
					"created_at": "2022-10-19T11:54:47",
					"event_date": "2022-10-19T11:54:47",
					"installment_event_type": {
						"enumerator": "open",
						"translation_path": "co.InstallmentEventType.open"
					},
					"installment_old_status": {
						"enumerator": "created",
						"translation_path": "co.InstallmentStatus.created"
					},
					"old_due_date": null
				}],
				"fine_amount": null,
				"has_interest": true,
				"installment_key": "93273ee0-71bd-46a6-b5e2-39e03a365b16",
				"installment_number": 3,
				"installment_payment": [],
				"installment_status": {
					"enumerator": "opened",
					"translation_path": "co.InstallmentStatus.opened"
				},
				"installment_type": {
					"enumerator": "principal",
					"translation_path": "co.InstallmentType.principal"
				},
				"original_due_principal": 2075.71324985,
				"original_pre_fixed_amount": 51.68519286,
				"original_principal_amortization_amount": 500.62480714,
				"original_total_amount": 552.31,
				"paid_amount": 0,
				"paid_at": null,
				"payment_type": {
					"enumerator": "bankslip",
					"translation_path": "co.PaymentType.bankslip"
				},
				"post_fixed_amount": 0,
				"pre_fixed_amount": 51.68519286,
				"principal_amortization_amount": 500.62480714,
				"qr_code_key": "d79eb27b-7a1e-4d4c-94a1-f20045c4904e",
				"qr_code_url": "00020126970014br.gov.bcb.pix2575qrcode-h.sandbox.qitech.app/bacen/cobv/d79eb27b-7a1e-4d4c-94a1-f20045c4904e5204000053039865802BR5925QI SOCIEDADE DE CREDITO D6009Sao Paulo61080145200062070503***6304E949",
				"renegotiation_proposal_key": null,
				"tax_amount": 3.73566231,
				"total_accrual_amount": null,
				"total_amount": 552.31,
				"total_paid_amount": 0,
				"updated_at": "2022-10-19T11:56:43",
				"workdays": 22,
				"present_amount": 1000.11
			},
			{
				"accrual_reference_date": null,
				"additional_costs": [],
				"advanced_paid_amount": 0,
				"bank_slip_key": "5c62c50f-5326-4226-b154-a0cc6d2f62e7",
				"business_due_date": "2023-02-23",
				"calendar_days": 35,
				"cetip_settlements": [],
				"created_at": "2022-10-19T11:53:00",
				"digitable_line": "32990001031000699925351000000201192690000055231",
				"due_date": "2023-02-22",
				"due_interest": 0,
				"due_principal": 1575.08844271,
				"events": [{
					"amount": null,
					"created_at": "2022-10-19T11:54:47",
					"event_date": "2022-10-19T11:54:47",
					"installment_event_type": {
						"enumerator": "open",
						"translation_path": "co.InstallmentEventType.open"
					},
					"installment_old_status": {
						"enumerator": "created",
						"translation_path": "co.InstallmentStatus.created"
					},
					"old_due_date": null
				}],
				"fine_amount": null,
				"has_interest": true,
				"installment_key": "1f7b16fe-04b6-4f07-a807-eb3501e44e0d",
				"installment_number": 4,
				"installment_payment": [],
				"installment_status": {
					"enumerator": "opened",
					"translation_path": "co.InstallmentStatus.opened"
				},
				"installment_type": {
					"enumerator": "principal",
					"translation_path": "co.InstallmentType.principal"
				},
				"original_due_principal": 1575.08844271,
				"original_pre_fixed_amount": 45.8505547,
				"original_principal_amortization_amount": 506.4594453,
				"original_total_amount": 552.31,
				"paid_amount": 0,
				"paid_at": null,
				"payment_type": {
					"enumerator": "bankslip",
					"translation_path": "co.PaymentType.bankslip"
				},
				"post_fixed_amount": 0,
				"pre_fixed_amount": 45.8505547,
				"principal_amortization_amount": 506.4594453,
				"qr_code_key": "b55464c8-3764-4ee2-a814-ce22396aabe7",
				"qr_code_url": "00020126970014br.gov.bcb.pix2575qrcode-h.sandbox.qitech.app/bacen/cobv/b55464c8-3764-4ee2-a814-ce22396aabe75204000053039865802BR5925QI SOCIEDADE DE CREDITO D6009Sao Paulo61080145200062070503***63044215",
				"renegotiation_proposal_key": null,
				"tax_amount": 5.23273899,
				"total_accrual_amount": null,
				"total_amount": 552.31,
				"total_paid_amount": 0,
				"updated_at": "2022-10-19T11:56:43",
				"workdays": 23,
				"present_amount": 1000.11
			},
			{
				"accrual_reference_date": null,
				"additional_costs": [],
				"advanced_paid_amount": 0,
				"bank_slip_key": "256be15f-dcc6-4775-8298-c3efde5a1147",
				"business_due_date": "2023-03-21",
				"calendar_days": 26,
				"cetip_settlements": [],
				"created_at": "2022-10-19T11:53:00",
				"digitable_line": "32990001031000699925352000000209192950000055231",
				"due_date": "2023-03-20",
				"due_interest": 0,
				"due_principal": 1068.62899741,
				"events": [{
					"amount": null,
					"created_at": "2022-10-19T11:54:47",
					"event_date": "2022-10-19T11:54:47",
					"installment_event_type": {
						"enumerator": "open",
						"translation_path": "co.InstallmentEventType.open"
					},
					"installment_old_status": {
						"enumerator": "created",
						"translation_path": "co.InstallmentStatus.created"
					},
					"old_due_date": null
				}],
				"fine_amount": null,
				"has_interest": true,
				"installment_key": "3ed37dc1-61f8-44f1-af21-a55f0cf0795d",
				"installment_number": 5,
				"installment_payment": [],
				"installment_status": {
					"enumerator": "opened",
					"translation_path": "co.InstallmentStatus.opened"
				},
				"installment_type": {
					"enumerator": "principal",
					"translation_path": "co.InstallmentType.principal"
				},
				"original_due_principal": 1068.62899741,
				"original_pre_fixed_amount": 23.02305805,
				"original_principal_amortization_amount": 529.28694195,
				"original_total_amount": 552.31,
				"paid_amount": 0,
				"paid_at": null,
				"payment_type": {
					"enumerator": "bankslip",
					"translation_path": "co.PaymentType.bankslip"
				},
				"post_fixed_amount": 0,
				"pre_fixed_amount": 23.02305805,
				"principal_amortization_amount": 529.28694195,
				"qr_code_key": "64e05528-83fb-432a-8af7-491ca4eb7b90",
				"qr_code_url": "00020126970014br.gov.bcb.pix2575qrcode-h.sandbox.qitech.app/bacen/cobv/64e05528-83fb-432a-8af7-491ca4eb7b905204000053039865802BR5925QI SOCIEDADE DE CREDITO D6009Sao Paulo61080145200062070503***630472F7",
				"renegotiation_proposal_key": null,
				"tax_amount": 6.59703244,
				"total_accrual_amount": null,
				"total_amount": 552.31,
				"total_paid_amount": 0,
				"updated_at": "2022-10-19T11:56:43",
				"workdays": 18,
				"present_amount": 1000.11
			},
			{
				"accrual_reference_date": null,
				"additional_costs": [],
				"advanced_paid_amount": 0,
				"bank_slip_key": "a8c2edaa-ed3d-4c5b-808e-b26947a5e79e",
				"business_due_date": "2023-04-19",
				"calendar_days": 29,
				"cetip_settlements": [],
				"created_at": "2022-10-19T11:53:01",
				"digitable_line": "32990001031000699925353000000207293240000055232",
				"due_date": "2023-04-18",
				"due_interest": 0,
				"due_principal": 539.34205545,
				"events": [{
					"amount": null,
					"created_at": "2022-10-19T11:54:47",
					"event_date": "2022-10-19T11:54:47",
					"installment_event_type": {
						"enumerator": "open",
						"translation_path": "co.InstallmentEventType.open"
					},
					"installment_old_status": {
						"enumerator": "created",
						"translation_path": "co.InstallmentStatus.created"
					},
					"old_due_date": null
				}],
				"fine_amount": null,
				"has_interest": true,
				"installment_key": "2b58b2be-89cd-4710-a6a5-81180938b501",
				"installment_number": 6,
				"installment_payment": [],
				"installment_status": {
					"enumerator": "opened",
					"translation_path": "co.InstallmentStatus.opened"
				},
				"installment_type": {
					"enumerator": "principal",
					"translation_path": "co.InstallmentType.principal"
				},
				"original_due_principal": 539.34205545,
				"original_pre_fixed_amount": 12.97660456,
				"original_principal_amortization_amount": 539.34339544,
				"original_total_amount": 552.32,
				"paid_amount": 0,
				"paid_at": null,
				"payment_type": {
					"enumerator": "bankslip",
					"translation_path": "co.PaymentType.bankslip"
				},
				"post_fixed_amount": 0,
				"pre_fixed_amount": 12.97660456,
				"principal_amortization_amount": 539.34339544,
				"qr_code_key": "dcc7d257-e6a1-4d0a-88f7-1acf662482b5",
				"qr_code_url": "00020126970014br.gov.bcb.pix2575qrcode-h.sandbox.qitech.app/bacen/cobv/dcc7d257-e6a1-4d0a-88f7-1acf662482b55204000053039865802BR5925QI SOCIEDADE DE CREDITO D6009Sao Paulo61080145200062070503***6304C9A1",
				"renegotiation_proposal_key": null,
				"tax_amount": 8.00493468,
				"total_accrual_amount": null,
				"total_amount": 552.32,
				"total_paid_amount": 0,
				"updated_at": "2022-10-19T11:56:43",
				"workdays": 20,
				"present_amount": 1000.11
			}
		],
		"interest_grace_period": 0,
		"interest_payment_month_period": 1,
		"interest_subsidy_amount": 0,
		"interest_subsidy_percentage": 0,
		"interest_type": {
			"enumerator": "pre_price_days",
			"translation_path": "co.InterestType.pre_price_days"
		},
		"iof_charge_method": "financed",
		"ipoc_code": "324025020203192147661180DiDi118261",
		"is_allowed_to_disburse": true,
		"is_portability": false,
		"is_refinancing": 0,
		"isin_number": null,
		"issue_amount": 3038.72,
		"issue_date": "2022-10-19",
		"issuer_document_number": "92147661180",
		"issuer_name": "Wxy  Wsx",
		"kyc": null,
		"modality": {
			"code": "0203",
			"description": "crédito pessoal - sem consignação em folha de pagam.",
			"enumerator": null,
			"visible": true
		},
		"net_external_contract_fee_amount": 0,
		"next_due_date": "2022-12-19",
		"number_of_installments": 6,
		"operation_extra_fields": null,
		"operation_type": {
			"enumerator": "structured_operation",
			"translation_path": "co.OperationType.structured_operation"
		},
		"origin_key": "438ceaa3-2906-4ee3-85f9-0dcacd5f2581",
		"origin_type": {
			"enumerator": "lego-api",
			"translation_path": "co.OriginType.lego-api"
		},
		"original_prefixed_interest_rate": {
			"annual_rate": 0.34331516,
			"created_at": "2022-10-19T11:53:00",
			"daily_rate": 0.00082017,
			"interest_base": {
				"enumerator": "calendar_days",
				"translation_path": "co.InterestBase.calendar_days",
				"year_days": 360
			},
			"monthly_rate": 0.0249
		},
		"original_total_iof": 38.72,
		"payment_and_settlement_agent": {
			"enumerator": "qi_scd",
			"translation_path": "co.PaymentAndSettlementAgent.qi_scd"
		},
		"payment_type": {
			"enumerator": "bankslip",
			"translation_path": "co.PaymentType.bankslip"
		},
		"payroll_data": null,
		"portability_amount": null,
		"portability_financial_institution_code_number": null,
		"portability_original_contract": null,
		"post_fixed_interest_base": {
			"enumerator": "workdays",
			"translation_path": "co.InterestBase.workdays",
			"year_days": 252
		},
		"post_fixed_interest_rate": null,
		"prefixed_interest_rate": {
			"annual_rate": 0.34331516,
			"created_at": "2022-10-19T11:53:00",
			"daily_rate": 0.00082017,
			"interest_base": {
				"enumerator": "calendar_days",
				"translation_path": "co.InterestBase.calendar_days",
				"year_days": 360
			},
			"monthly_rate": 0.0249
		},
		"principal_amortization_month_period": 1,
		"principal_grace_period": 0,
		"purchaser_document_number": "32402502000135",
		"rebate_account": null,
		"refinanced_credit_operations": [],
		"registration_institution": {
			"enumerator": "qi_scd",
			"translation_path": "co.RegistrationInstitution.qi_scd"
		},
		"related_party_list": [{
			"address": {
				"city": "Aguascalientes",
				"complement": null,
				"created_at": "2022-10-19T11:52:59",
				"neighborhood": "Aguascalientes",
				"number": "1",
				"postal_code": "20000000",
				"state": "SP",
				"street": "Zona Centro"
			},
			"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
			}],
			"birth_date": "1997-10-19",
			"birth_place": null,
			"cnae_code": null,
			"company_document_number": null,
			"created_at": "2022-10-19T11:53:01",
			"document_identification_date": null,
			"document_identification_number": "",
			"document_identification_type": null,
			"email": "wxr@ff.com",
			"foundation_date": null,
			"gender": null,
			"income": 0.01,
			"individual_document_number": "92147661180",
			"is_pep": false,
			"marital_status": {
				"enumerator": "single",
				"translation_path": "co.MaritalStatus.single"
			},
			"mother_name": null,
			"name": "Wxy  Wsx",
			"nationality": "nationality",
			"person_type": "natural",
			"phone": {
				"area_code": "00",
				"country_code": "055",
				"created_at": "2022-10-19T11:53:00",
				"number": "016048311",
				"phone_key": "341d7c67-963c-49a5-b585-265425d71f52",
				"phone_type": null
			},
			"profession": null,
			"property_system": null,
			"related_party_key": "203b2ada-ff3e-44a6-a843-f244aa1afbc9",
			"revenue": null,
			"role_type": {
				"enumerator": "issuer",
				"translation_path": "co.RoleType.issuer"
			},
			"simples_nacional_participant": null,
			"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"
		},
		"selfie_enabled": false,
		"settlement_bank_account_key": null,
		"share_quantity": 4,
		"signature_method": {
			"enumerator": "email"
		},
		"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"
}
```

:::caution Atenção!

Dentro do array de parcelas será retornado o valor presente calculado de cada parcela em **"present_amount"**, seu somatório será o valor presente considerado para o contrato no momento da solicitação do refinanciamento.
:::

STATUS 400

Response Body

```json
{
  "data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}

```

---

# introducao

URL: /documentation/refinanciamento/introducao

Um refinanciamento consiste na geração de um novo contrato de crédito para a quitação de um anterior. Nesse sentido, seu fluxo funciona da mesma forma de uma emissão de dívidas simples, porém, quando informados os valores da operação, o somatório do valor presente dos contratos anteriores será retido e apenas o excedente, caso exista, será liberado na conta do tomador.

---

# Simulando um refinanciamento

URL: /documentation/refinanciamento/simulando_refinanciamento

## Request para uma Operação refinanciada não existente

ENDPOINT /debt_simulation
MÉTODO POST

Request Body

```json
{
  "complex_operation": true,
  "operation_batch": [
    {
      "borrower": {
        "person_type": "natural"
      },
     "refinanced_credit_operations": [
            {
                "original_deadline": 5,
                "monthly_interest_rate": "0.0133",
                "disbursement_date": "2024-06-30",
                "due_balance": 1050,
            }
    ],
      "financial": {
        "amount": 1900.83,
        "disbursement_amount": 800,
        "interest_type": "pre_price_days",
        "credit_operation_type": "ccb",
        "annual_interest_rate": 2.32,
        "disbursement_date": "2023-04-01",
        "interest_grace_period": 0,
        "principal_grace_period": 0,
        "number_of_installments": 2,
        "fine_configuration": {
          "contract_fine_rate": 0.02,
          "interest_base": "calendar_days",
          "monthly_rate": 0.01
        }
      }
    }
  ]
}
```
:::caution Atenção!

Os campos **"disbursement_date"** e **"monthly_interest_rate"** dentro do **"refinanced_credit_operations"** são obrigatórios apenas na necessidade de calcular o valor de quitação da operação refinanciada para as diversas opções de desembolso.
:::

## Request para uma Operação refinanciada já existente

ENDPOINT /debt_simulation
MÉTODO POST

Request Body

```json
{
  "complex_operation": true,
  "operation_batch": [
    {
      "borrower": {
        "person_type": "natural"
      },
     "refinanced_credit_operations": [
            {
                "operation_key": "a9630d51-f08f-4763-b269-c1947e97c260"
            }
    ],
      "financial": {
        "amount": 1900.83,
        "disbursement_amount": 800,
        "interest_type": "pre_price_days",
        "credit_operation_type": "ccb",
        "annual_interest_rate": 2.32,
        "disbursement_date": "2023-04-01",
        "interest_grace_period": 0,
        "principal_grace_period": 0,
        "number_of_installments": 2,
        "fine_configuration": {
          "contract_fine_rate": 0.02,
          "interest_base": "calendar_days",
          "monthly_rate": 0.01
        }
      }
    }
  ]
}

```

:::caution Atenção!

Os payloads ultilizados na simulação de um refinanciamento são os mesmos ultilizados na simulação de uma divida simples, com a adição da lista de operações que serão quitadas em **"refinanced_credit_operations"** com os seus dados para o cálculo da quitação.
:::

## Response

STATUS 200

Response Body

```json
[
    {
        "data": {
            "annual_cet": 0.6252134981759837,
            "assignment_amount": 1919.84,
            "cet": 0.0413,
            "contract_fee_amount": -179.13,
            "contract_fees": [
                {
                    "amount": 1.0,
                    "amount_type": "percentage",
                    "fee_amount": -179.13,
                    "fee_type": "tac"
                }
            ],
            "credit_operation_type": "ccb",
            "disbursed_issue_amount": 2079.96,
            "disbursement_date": "2023-04-01",
            "disbursement_options": [
                {
                    "annual_cet": 0.6252134981759837,
                    "assignment_amount": 1919.84,
                    "cet": 0.0413,
                    "contract_fee_amount": -179.13,
                    "contract_fees": [
                        {
                            "amount": 1.0,
                            "amount_type": "percentage",
                            "fee_amount": -179.13,
                            "fee_type": "tac"
                        }
                    ],
                    "disbursed_issue_amount": 2079.96,
                    "disbursement_date": "2023-04-01",
                    "external_contract_fee_amount": 19.01,
                    "external_contract_fees": [
                        {
                            "amount": 1.0,
                            "amount_released": 17.25,
                            "amount_type": "percentage",
                            "cofins_amount": 0,
                            "csll_amount": 0,
                            "description": null,
                            "fee_amount": 19.01,
                            "fee_type": "spread",
                            "irrf_amount": 0,
                            "net_fee_amount": 17.25,
                            "pis_amount": 0,
                            "tax_amount": 1.76
                        }
                    ],
                    "first_due_date": "2023-05-01",
                    "installments": [
                        {
                            "business_due_date": "2023-05-02",
                            "calendar_days": 30,
                            "due_date": "2023-05-01",
                            "due_principal": 1900.83,
                            "has_interest": true,
                            "installment_number": 1,
                            "post_fixed_amount": 0,
                            "pre_fixed_amount": 199.90606482231624,
                            "principal_amortization_amount": 904.6839351776838,
                            "tax_amount": 0.0,
                            "total_amount": 1104.59,
                            "workdays": 18.0
                        },
                        {
                            "business_due_date": "2023-06-01",
                            "calendar_days": 31,
                            "due_date": "2023-06-01",
                            "due_principal": 996.1460648223162,
                            "has_interest": true,
                            "installment_number": 2,
                            "post_fixed_amount": 0,
                            "pre_fixed_amount": 108.43818022618876,
                            "principal_amortization_amount": 996.1418197738112,
                            "tax_amount": 0.0,
                            "total_amount": 1104.58,
                            "workdays": 23.0
                        }
                    ],
                    "iof_amount": 0.0,
                    "issue_amount": 1900.83,
                    "net_external_contract_fee_amount": 17.25,
                    "prefixed_interest_rate": {
                        "annual_rate": 2.32,
                        "daily_rate": 0.0033388,
                        "interest_base": "calendar_days",
                        "monthly_rate": 0.10516767
                    },
                    "total_pre_fixed_amount": 308.344245048505
                }
            ],
            "external_contract_fee_amount": 19.01,
            "external_contract_fees": [
                {
                    "amount": 1.0,
                    "amount_released": 17.25,
                    "amount_type": "percentage",
                    "cofins_amount": 0,
                    "csll_amount": 0,
                    "description": null,
                    "fee_amount": 19.01,
                    "fee_type": "spread",
                    "irrf_amount": 0,
                    "net_fee_amount": 17.25,
                    "pis_amount": 0,
                    "tax_amount": 1.76
                }
            ],
            "final_disbursement_amount": -17733.89,
            "installments": [
                {
                    "business_due_date": "2023-05-02",
                    "calendar_days": 30,
                    "due_date": "2023-05-01",
                    "due_principal": 1900.83,
                    "has_interest": true,
                    "installment_number": 1,
                    "post_fixed_amount": 0,
                    "pre_fixed_amount": 199.90606482231624,
                    "principal_amortization_amount": 904.6839351776838,
                    "tax_amount": 0.0,
                    "total_amount": 1104.59,
                    "workdays": 18.0
                },
                {
                    "business_due_date": "2023-06-01",
                    "calendar_days": 31,
                    "due_date": "2023-06-01",
                    "due_principal": 996.1460648223162,
                    "has_interest": true,
                    "installment_number": 2,
                    "post_fixed_amount": 0,
                    "pre_fixed_amount": 108.43818022618876,
                    "principal_amortization_amount": 996.1418197738112,
                    "tax_amount": 0.0,
                    "total_amount": 1104.58,
                    "workdays": 23.0
                }
            ],
            "interest_grace_period": 0,
            "interest_payment_month_period": 1,
            "interest_type": "pre_price_days",
            "iof_amount": 0.0,
            "issue_amount": 1900.83,
            "issue_date": "2023-04-01",
            "net_external_contract_fee_amount": 17.25,
            "number_of_installments": 2,
            "operation_type": "refinancing",
            "post_fixed_interest_base": "workdays",
            "post_fixed_interest_rate": null,
            "prefixed_interest_rate": {
                "annual_rate": 2.32,
                "daily_rate": 0.0033388,
                "interest_base": "calendar_days",
                "monthly_rate": 0.10516767
            },
            "principal_amortization_month_period": 1,
            "principal_grace_period": 0,
            "refinanced_credit_operations": [
                {
                    "due_balance": 19813.85,
                    "due_balance_reference_date": "2023-03-29",
                    "original_deadline": 1084,
                    "refinanced_credit_operation_key": "a9630d51-f08f-4763-b269-c1947e97c260",
                    "refinanced_credit_operation_status": null
                }
            ],
            "requester_key": "ef48fbe4-267b-45c1-9049-75345c075486",
            "total_pre_fixed_amount": 308.344245048505
        },
        "event_datetime": "2023-03-29 19:19:28",
        "key": "0fc07785-7f74-45b0-a8ca-8ca48f8c17ed",
        "status": "finished",
        "type": "debt"
    }
]
```

STATUS 400

Response Body

```json
{
  "data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}
```

## Definições

### Request Body
| Campo                 | Tipo    | Descrição                                                                                                    | 
|-----------------------|---------|--------------------------------------------------------------------------------------------------------------|
| **complex_operation** | boolean | _true_ - indica que multiplas simulações podem ser realizadas na mesma request                               |
| **operation_batch**   | object  | Lista de solicitações de simulação - **[Objeto da Lista Operation Batch](#objeto-da-lista-operation_batch)** |

### Objeto da Lista Operation Batch
| Campo         | Tipo   | Descrição                                                                 | 
|---------------|--------|---------------------------------------------------------------------------|
| **borrower**  | object | **[Objeto Borrower](#objeto-borrower)** - Devedor da operação de crédito  |
| **financial** | object | **[Objeto Financial](#objeto-financial)** - Dados financeiros da operação |

### Objeto Borrower
| Campo           | Tipo   | Descrição                                                                                          |
|-----------------|--------|----------------------------------------------------------------------------------------------------|
| **person_type** | object | **[Enumerador Person Type](#enumerador-person_type)** - Natureza Jurídica do devedor da operação   |

### Objeto Financial
| Campo                      | Tipo   | Descrição                                                                                                     |
|----------------------------|--------|---------------------------------------------------------------------------------------------------------------|
| **amout**                  | float  | Valor de emissão/nominal da operação de crédito                                                               |
| **interest_type**          | object | **[Enumerador Interest Type](#enumerador-interest-type)** - Método de amortização e forma de cálculo de juros |
| **credit_operation_type**  | object | **[Enumerador Credit Operation Type](#enumerador-credit-operation-type)** - Tipo do contrato de crédito       |
| **annual_interest_rate**   | float  | Taxa de juros pré-fixada expressa em decimal ao ano                                                           |
| **disbursement_date**      | date   | Data do desembolso da operação                                                                                |
| **interest_grace_period**  | int    | Carência de juros (em meses)                                                                                  |
| **principal_grace_period** | int    | Período carência de principal                                                                                 |
| **number_of_installments** | int    | Número de parcelas da operação de crédito                                                                     |
| **fine_configuration**     | object | **[Objeto fine_configuration](#objeto-fine-configuration)** - Configuração de juros e multa por atraso        |
| **refinanced_credit_operations**     | array of objects | Lista de objetos contendo informações sobre as operações que serão refinanciadas         |

### Objeto Refinanced Credit Operations

#### Objeto no caso da operação refinanciada não existir
| Campo                     | Tipo   | Descrição                                                                 |
|---------------------------|--------|---------------------------------------------------------------------------|
| **due_balance**           | number | Valor necessário para a quitação da operação refinanciada.                |
| **original_deadline**     | int    | Prazo total em dias da Operação de Crédito refinanciada.                  |
| **monthly_interest_rate** | float  | Taxa de juros mensal da operação refinanciada.                            |
| **disbursement_date**     | date   | Data de desembolso da operação refinanciada.                              |

#### Objeto no caso da operação refinanciada já existir
| Campo                     | Tipo          | Descrição                                                   |
|---------------------------|---------------|-------------------------------------------------------------|
| **operation_key**         | string uuid   | Chave da operação que será refinanciada.                    |

### Objeto Fine Configuration
| Campo                  | Tipo  | Descrição                                                                            | 
|------------------------|-------|--------------------------------------------------------------------------------------|
| **contract_fine_rate** | float | Percentual de multa por atraso expresso em decimal                                   |
| **interest_base**      | enum  | **[Enumerador Interest Base](#enumerador-interest-base)** - Base de cálculo de juros |
| **monthly_rate**       | float | Percentual de juros de atraso ao mês expresso em decimal                             |

---

# Criar um refinanciamento

URL: /documentation/refinanciamento/solicitando_refinanciamento

## Request

ENDPOINT /debt
MÉTODO POST

Request Body

```json
{
    "borrower": {
        "address": {
            "city": "Bauru",
            "neighborhood": "Centro",
            "number": "343",
            "postal_code": "17057770",
            "state": "SP",
            "street": "Av Um"
        },
        "birth_date": "1998-03-21",
        "document_identification": "2f7bfc50-d7c0-4d4e-a5ce-d8bba2aeb348",
        "document_identification_number": "432202821",
        "email": "victor.moura@qitech.com.br",
        "individual_document_number": "37197645832",
        "name": "Urich Oliveira",
        "person_type": "natural",
        "phone": {
            "area_code": "14",
            "country_code": "055",
            "number": "936180265"
        }
    },
    "disbursement_bank_account": {
        "account_digit": "2",
        "account_number": "63755",
        "bank_code": "329",
        "branch_number": "0001"
    },
    "financial": {
        "disbursed_amount": 5000.0
        "monthly_interest_rate": 0.0175,
        "credit_operation_type": "ccb",
        "disbursement_date": "2022-04-25",
        "fine_configuration": {
            "contract_fine_rate": 0.02,
            "interest_base": "calendar_days",
            "monthly_rate": 0.01
        },
        "first_due_date": "2022-06-07",
        "interest_grace_period": 0,
        "interest_subsidy_percentage": 0,
        "interest_type": "pre_price_days",
        "issue_date": "2022-04-25",
        "number_of_installments": 84,
        "principal_grace_period": 0,
        "payment_type": "bankslip"
    },
    "simplified": true,
    "refinanced_credit_operations": [
            {
                "operation_key": "d897f8fa-30d0-4a25-b7e5-5daa61c7480d"
            },
            {
                "operation_key": "f8f0d7a9-4f0c-426c-ac50-33a09d4a0d78"
            }
    ],
  "purchaser_document_number": "32402502000135"
}

```

:::caution Atenção!

O payload ultilizado na emissão de um refinanciamento é o mesmo ultilizado na emissão de uma divida simples, com a adição da lista de operações que serão quitadas em **"refinanced_credit_operations"**.
:::

### Body Params

| Campo                           | Tipo   | Descrição                                                                                                                                                                                                        | Máx. Caract. | 
|---------------------------------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|
| **borrower** *                  | object | **[Objeto Borrower](#objeto-borrower)** - Devedor da operação de crédito.                                                                                                                                         | -            | 
| **disbursement_bank_account** * | object | **[Objeto Disbursement Bank Account](#objeto-disbursement_bank_accounts)** - Dados da conta bancária para desembolso da operação.                                                                                 | -            |
| **financial** *                 | object | **[Objeto Financial](#objeto-financial)** - Dados da conta bancária para desembolso da operaçãoIdentificador de que o objeto enviado é uma pessoa física. Deve conter SEMPRE o  valor "natural" para borrower PF. | -            |
| **purchaser_document_number** * | string | CNPJ do cessionário (comprador) da operação de crédito.                                                                                                                                                           | -            |
| **refinanced_credit_operations** * | array of objects | Lista de **[Objetos Refinanced Credit Operations](#objeto-refinanced_credit_operations)** contendo as operações refinanciadas.                                                                                                                                                           | -            |

## Definições

### Objeto Request Body
| Campo                           | Tipo   | Descrição                                                                                                                                                                                                        | Máx. Caract. | 
|---------------------------------|--------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|--------------|
| **borrower** *                  | object | **[Objeto Borrower](#objeto-borrower)** - Devedor da operação de crédito                                                                                                                                         | -            | 
| **disbursement_bank_account** * | object | **[Objeto Disbursement Bank Account](#objeto-disbursement_bank_accounts)** - Dados da conta bancária para desembolso da operação                                                                                 | -            |
| **financial** *                 | object | **[Objeto Financial](#objeto-financial)** - Dados da conta bancária para desembolso da operaçãoIdentificador de que o objeto enviado é uma pessoa física. Deve conter SEMPRE o  valor "natural" para borrower PF | -            |
| **purchaser_document_number** * | string | CNPJ do cessionário (comprador) da operação de crédito                                                                                                                                                           | -            |

### Objeto Borrower
| Campo                            | Tipo    | Descrição                                                                             | Máx. Caract. | 
|----------------------------------|---------|---------------------------------------------------------------------------------------|--------------|
| **name** *                       | string  | Nome do devedor                                                                       | 100          |
| **email**                        | string  | Email do devedor                                                                      | 254          |
| **phone**                        | object  | **[Objeto Phone](#objeto-phone)** - Telefone de contato do devedor                    | -            | 
| **is_pep** *                     | boolean | Indicador de PEP (http://www.portaldatransparencia.gov.br/download-de-dados/pep)      | -            |
| **address** *                    | object  | **[Objeto Address](#objeto-address)** - Endereço do devedor                           | -            | 
| **role_type** *                  | enum    | default: _issuer_                                                                     | -            |
| **birth_date** *                 | date    | Data de nascimento do devedor (formato "AAAA-MM-DD")                                  | -            |
| **mother_name** *                | string  | Nome da mãe do devedor                                                                | 100          |
| **nationality**                  | string  | Nacionalidade do devedor                                                              | 50           |
| **person_type** *                | string  | Indicador de pessoa física - default: _natural_                                       | -            |
| **individual_document_number** * | string  | CPF do devedor (apenas números)                                                       | 11           |
| **document_identification**     * | string  | **DOCUMENT_KEY** do PDF do documento de identificação do devedor com foto (RG ou CNH) | -            |
| **document_identification_back** |string | DOCUMENT_KEY do PDF da parte de trás do documento de identificação da pessoa com foto (RG ou CNH) (enviado previamente). | 11 |
| **wedding_certificate** | string | DOCUMENT_KEY do PDF do certificado de casamento da pessoa (enviado previamente). No caso de marital_status ser "single", o valor deste campo deve ser NULL. | 11 |
| **proof_of_residence** * |string | DOCUMENT_KEY do PDF do comprovante de endereço do endereço enviado (enviado previamente). | 11 |

### Objeto Address
| Campo              | Tipo   | Descrição                                                                | Máx. Caract. | 
|--------------------|--------|--------------------------------------------------------------------------|--------------| 
| **city** *         | string | Cidade do endereço                                                       | 100          |
| **state** *        | string | Estado do endereço (com dois caracteres maiúsculos)                      | 2            |
| **number** *       | string | Número do endereço                                                       | 10           |
| **street** *       | string | Rua do endereço                                                          | 100          |
| **complement** *   | string | Complemento do endereço (texto livre)                                    | 100          |
| **postal_code** *  | string | CEP do endereço (http://www.buscacep.correios.com.br/sistemas/buscacep/) | 8            |
| **neighborhood** * | string | Bairro do endereço                                                       | 100          |

### Objeto Phone
| Campo              | Descrição | Exemplo                                               | Máx. Caract. | 
|--------------------|-----------|-------------------------------------------------------|--------------| 
| **number** *       | string    | Número de telefone                                    | 10           |
| **area_code** *    | string    | Código DDD do telefone (https://ddd.guiamais.com.br/) | 2            |
| **country_code** * | string    | Código DDI do telefone (https://ddi.guiamais.com.br/) | 3            |

### Objeto Disbursement Bank Account

Uma emissão de dívida deve conter as informações bancárias para desembolso, por padrão, uma conta de titularidade do devedor.

| Campo                 | Tipo   | Descrição                                                                                          | Máx. Caract. | 
|-----------------------|--------|----------------------------------------------------------------------------------------------------|--------------|
| name                  | string | Nome do titular da conta                                                                           | 50           |
| document_number       | string | CPF do titular da conta                                                                            | 11           |
| bank_code *           | string | Código COMPE da instituição financeira (https://www.bcb.gov.br/pom/spb/estatistica/port/ASTR003.pdf) | 3            |
| branch_number *       | string | Número da agência (não informar o dígito verificador da agência!)                                  | 4            |
| account_number *      | string | Número da conta (sem o dígito verificador da conta!)                                               | 10           |
| account_digit *       | string | Dígito verificador da conta (informar zero no lugar de letras)                                     | 1            |
| account_type          | enum   | [Enumerador Account Type](#enumerador-account-type) Tipo da conta                                  | 1            |

### Objeto Financial

O objeto financial descreve as informações financeiras da operação de crédito.

| Campo                      | Tipo   | Descrição                                                                                                     | Máx. Caract. |
|----------------------------|--------|---------------------------------------------------------------------------------------------------------------|--------------|
| **amout**                  | float  | Valor de emissão/nominal da operação de crédito                                                               | -            |
| **interest_type**          | object | **[Enumerador Interest Type](#enumerador-interest-type)** - Método de amortização e forma de cálculo de juros | -            |
| **credit_operation_type**  | object | **[Enumerador Credit Operation Type](#enumerador-credit-operation-type)** - Tipo do contrato de crédito       | -            |
| **annual_interest_rate**   | float  | Taxa de juros pré-fixada expressa em decimal ao ano                                                           | -            |
| **disbursement_date**      | date   | Data do desembolso da operação                                                                                | -            |
| **interest_grace_period**  | int    | Carência de juros (em meses)                                                                                  | -            |
| **principal_grace_period** | int    | Período carência de principal                                                                                 | -            |
| **number_of_installments** | int    | Número de parcelas da operação de crédito                                                                     | -            |
| **fine_configuration**     | object | **[Objeto Fine Configuration](#objeto-fine-configuration)** - Configuração de juros e multa por atraso        | -            |

### Objeto Fine Configuration

No Objeto Fine Configuration são informados os valor de multa e juros por atraso da operação de crédito. 

| Campo                  | Tipo  | Descrição                                                                            | Máx. Caract. |
|------------------------|-------|--------------------------------------------------------------------------------------|--------------|
| **contract_fine_rate** | float | Percentual de multa por atraso                                                       | -            |
| **interest_base**      | enum  | **[Enumerador Interest Base](#enumerador-interest-base)** - Base de cálculo de juros | -            |
| **monthly_rate**       | float | Percentual de juros de atraso ao mês                                                 | -            |

### Objeto Refinanced Credit Operations 

| Campo | Tipo | Descrição | Caracteres |
|---|---|---|---|
| `operation_key` | string | key da operação a ser refinanciada | chave uuid |

# Enumeradores

### Enumerador _Person Type_
| Enumerador             | Descrição             |
|------------------------|-----------------------|
| **legal**   | Pessoa juridica        |
| **natural**    | Pesso física    |

### Enumerador _Account Type_
| Enumerador             | Descrição             |
|------------------------|-----------------------|
| **checking_account**   | Conta corrente        |
| **deposit_account**    | Conta de depósito     |
| **guaranteed_account** | Conta de garantia     |
| **investment_account** | Conta de investimento |
| **payment_account**    | Conta de pagamento    |
| **saving_account**     | Conta poupança        |
| **salary_account**     | Conta salário         |

### Enumerador _Interest Type_
| Enumerador           | Descrição                                                                                                                                                                |
|----------------------|--------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| **pre_price_days**   | Método de amortização Price (parcelas iguais) com cálculo do juros pré-fixado ao dia                                                                                     |
| **pre_price**        | Método de amortização Price (parcelas iguais) com cálculo do juros pré-fixado em períodos fixos (30 dias)                                                                |
| **pre_sac**          | Método de amortização SAC (amortização constante) com cálculo do juros pré-fixado ao dia                                                                                 |
| **post_sac**         | Método de amortização SAC (amortização constante) com cálculo do juros baseado em uma taxa pré-fixada + indexador pós-fixado (cdi, ipca ou igpm) ao dia                  |
| **post_price**       | Método de amortização Price (parcelas iguais) com cálculo do juros baseado em uma taxa pré-fixada + indexador pós-fixado (cdi, ipca ou igpm) em períodos fixos (30 dias) |
| **post_price_days**  | Método de amortização Price (parcelas iguais) com cálculo do juros baseado em uma taxa pré-fixada + indexador pós-fixado (cdi, ipca ou igpm) ao dia                      |

### Enumerador _Credit Operation Type_
| Enumerador    | Descrição                      |
|---------------|--------------------------------|
| **ccb**       | Cédula de Crédito Bancário     |
| **cce**       | Cédula de Crédito à Exportação |
| **cci**       | Cédula de Crédito Imobiliário  |
| **nce**       | Nota de Crédito à Exportação   |

### Enumerador _Interest Base_
| Enumerador            | Descrição                                                                 |
|-----------------------|---------------------------------------------------------------------------|
| **workdays**          | Base de cálculo de juros em dias úteis considerando um ano de 252 dias    |
| **calendar_days**     | Base de cálculo de juros em dias corridos considerando um ano de 360 dias |
| **calendar_days_365** | Base de cálculo de juros em dias corridos considerando um ano de 365 dias |

### Enumerador _Fee Type_
Cada tipo de fee deve ser previamente habilitado e configurado pela QI Tech

| Enumerador            | Descrição                                                                  |
|-----------------------|----------------------------------------------------------------------------|
| **tac**               | Tarifa de abertura de cadastro                                             |
| **spread**            | Ágio cobrado no valor de aquisição da operação de crédito                  |
| **warranty_analysis** | Tarifa de análise de garantias                                             |
| **ted_fee**           | Tarifa de TED                                                              |
| **spread_ted_fee**    | Ágio da tarifa de TED cobrado no valor de aquisição da operação de crédito |

## Response

STATUS 200

Response Body

```json
{
  "data": {
    "additional_iof": 469.1328,
    "annual_cet": "283,3821%",
    "assignment_amount": 124690.56,
    "base_iof": 473.6829374063069,
    "borrower": {
      "document_number": "96969879003",
      "name": "Alan Mathison Turing"
    },
    "cet": "11,8500%",
    "collaterals": [],
    "contract": {
      "number": "0000067563/AMT",
      "signature_information": [
        {
          "signature_url": null,
          "signer_document_number": "15627918004",
          "signer_email": "alan.turing@email.com",
          "signer_external_key": null,
          "signer_name": "Alan Mathison Turing",
          "signer_role": "issuer"
        }
      ],
      "urls": [
        "https://storage.googleapis.com/sandbox-doc-api/documents/5af36fcd-8e4c-4421-ad45-7bcba899c0d3/SYNGENTASANDBOX-ALAN_MATHISON_TURING-CCB-0000067563-20230302234816.pdf"
      ]
    },
    "contract_fee_amount": 1234.56,
    "contract_fees": [
      {
        "fee_amount": 1234.56,
        "fee_type": "tac"
      }
    ],
    "external_contract_fee_amount": 1234.56,
    "external_contract_fees": [
      {
        "fee_amount": 1234.56,
        "fee_type": "spread",
        "net_fee_amount": 1120.36,
        "tax_amount": 114.2
      }
    ],
    "installments": [
      {
        "accrual_reference_date": null,
        "additional_costs": [],
        "advanced_paid_amount": 0,
        "bank_slip_key": null,
        "business_due_date": "2023-04-03",
        "calendar_days": 31,
        "digitable_line": null,
        "due_date": "2023-04-02",
        "due_interest": 0,
        "due_principal": 123456,
        "fine_amount": null,
        "has_interest": true,
        "installment_history": [],
        "installment_key": "da264e95-2bbd-47de-876b-bfea7d25e266",
        "installment_number": 1,
        "installment_payment": [],
        "installment_status": "created",
        "installment_type": "principal",
        "original_due_principal": 123456,
        "original_pre_fixed_amount": 13245.468714162304,
        "original_principal_amortization_amount": 58473.151285837695,
        "original_total_amount": 71718.62,
        "paid_amount": 0,
        "paid_at": null,
        "post_fixed_amount": 0,
        "pre_fixed_amount": 13245.468714162304,
        "principal_amortization_amount": 58473.151285837695,
        "qr_code_key": null,
        "qr_code_url": null,
        "renegotiation_proposal_key": null,
        "tax_amount": 148.63875056859942,
        "total_accrual_amount": null,
        "total_amount": 71718.62,
        "total_paid_amount": 0,
        "workdays": 21
      },
      {
        "accrual_reference_date": null,
        "additional_costs": [],
        "advanced_paid_amount": 0,
        "bank_slip_key": null,
        "business_due_date": "2023-05-02",
        "calendar_days": 30,
        "digitable_line": null,
        "due_date": "2023-05-02",
        "due_interest": 0,
        "due_principal": 64982.848714162305,
        "fine_amount": null,
        "has_interest": true,
        "installment_history": [],
        "installment_key": "cac7064b-2310-45e1-a91f-5e8f39f0f0ea",
        "installment_number": 2,
        "installment_payment": [],
        "installment_status": "created",
        "installment_type": "principal",
        "original_due_principal": 64982.848714162305,
        "original_pre_fixed_amount": 6735.77577015044,
        "original_principal_amortization_amount": 64982.84422984956,
        "original_total_amount": 71718.62,
        "paid_amount": 0,
        "paid_at": null,
        "post_fixed_amount": 0,
        "pre_fixed_amount": 6735.77577015044,
        "principal_amortization_amount": 64982.84422984956,
        "qr_code_key": null,
        "qr_code_url": null,
        "renegotiation_proposal_key": null,
        "tax_amount": 325.0441868377075,
        "total_accrual_amount": null,
        "total_amount": 71718.62,
        "total_paid_amount": 0,
        "workdays": 19
      }
    ],
    "iof_charge_method": "financed",
    "issue_amount": 123456,
    "net_external_contract_fee_amount": 1120.36,
    "number_of_installments": 2,
    "prefixed_interest_rate": {
      "annual_rate": 2.32,
      "created_at": "2023-03-02T23:48:15",
      "daily_rate": 0.00329298,
      "interest_base": "calendar_days_365",
      "monthly_rate": 0.10516767
    },
    "requester_identifier_key": "1c2ca4dc-2a20-4dd4-bd5f-af143fadadf4",
    "total_iof": 942.82,
    "total_pre_fixed_amount": 19981.244484312745
  },
  "event_datetime": "2023-03-02 23:48:20",
  "key": "1c2ca4dc-2a20-4dd4-bd5f-af143fadadf4",
  "status": "waiting_signature",
  "webhook_type": "debt"
}
```

STATUS 400

Response Body

```json
{
  "data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}
```