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私人薪资抵押贷款手册 - 内部拍卖

1. 拍卖开始

配置贷款申请过滤器后,合作伙伴将开始收到通知这些申请的 webhook。

{
"status": "ongoing",
"event_datetime": "2025-03-20T14:47:43Z",
"key": "88b0203d-31ad-48c6-a795-b6d45ab4898a",
"webhook_type": "laas.private_payroll_auction.new_issuer_proposal_request",
"data": {
"issuer_proposal_request_key": "88b0203d-31ad-48c6-a795-b6d45ab4898a",
"status": "ongoing",
"expiration_datetime": "2025-03-21T11:47:12Z",
"inclusion_limit_datetime": "2025-03-20T11:49:43Z",
"issuer_proposal_request_data": {
"issuer_registration_number": "TESTE123",
"birth_date": "1973-03-14",
"disbursed_issue_amount": 2100,
"admission_date": "2020-03-10",
"consigned_credit_balance": 10000,
"eligible": true,
"employer_document_type": "cnpj",
"document_number": "00737823780",
"employer_document_number": "29113956000181",
"number_of_installments": 10,
"political_exposition": "not_exposed",
"name": "VALENTINA SANTOS",
"alerts": [
{
"alert_type": "leave",
"description": "Afastamento",
"reference_date": "2025-02-11",
"event_id": "123456",
"leave_reason_code": 3,
"leave_start_date": "2025-02-11",
"leave_end_date": "2025-03-11"
},
{
"alert_type": "termination",
"description": "Desligamento",
"reference_date": "2025-02-11",
"event_id": "789012",
"termination_reason_code": 1,
"termination_date": "2025-02-11",
"notice_period_start_date": "2025-01-11",
"notice_period_end_date": "2025-02-11"
}
]
},
}
}

每个贷款申请经历两个阶段:内部拍卖和 CTPS 应用中的拍卖。内部拍卖在收到 webhook 时开始,在 inclusion_limit_datetime 字段指定的时间戳结束。在此期间,接收所有合作伙伴的提案并根据利率进行排名。内部拍卖结束后,条件最优的提案将发送至借款人的 CTPS,所有金融机构的提案都会在那里呈现。 如果在内部拍卖结束前没有提案发送,则在 inclusion_limit_datetime 之后发送的第一个提案将自动获胜并发送至 CTPS。

2. 信贷提案

Request

ENDPOINT
- /private_payroll_auction/issuer_proposal_request/{issuer_proposal_request_key}/auction_proposal
MÉTODO
- POST
Request Body: 在拍卖中加入 AuctionProposal
{
"request_control_key" : "111e7ed3-4080-4cae-a853-8e12812817ea",
"disbursed_issue_amount": 15000,
"monthly_interest_rate": 0.02,
"number_of_installments": 48,
"purchaser_document_number": "01272247000120",
"days_to_expiration": 10,
"rebates": [
{
"fee_type": "spread",
"amount_type": "percentage",
"amount": 4.17
}
]
}

Response

STATUS
- 200 (Accepted)
Response Body: 已创建提案
{
"auction_proposal_key": "814e7ed3-4080-4cae-a853-8e12812817ea",
"issuer_proposal_request_key" : "100e7ed3-4080-4cae-a853-8e12812817ea",
"request_control_key" : "111e7ed3-4080-4cae-a853-8e12812817ea",
"status": "bid",
"proposal_score" : 0.4,
"inclusion_date" : "2025-03-18T14:52:07.123456",
"rank_position" : null,
"proposal_data": {
"simulation": {
"total_iof": 15.46,
"annual_cet": 0.0603,
"monthly_cet": 0.0049,
"issue_amount": 1015.46,
"annual_interest_rate": 0.0180272568,
"monthly_interest_rate": 0.00149,
"disbursed_issue_amount": 1000.0,
"installment_face_value": 102.25,
"number_of_installments" : 48
},
"monthly_interest_rate": null,
"disbursed_issue_amount": 15000,
"installment_face_value": 102.25,
"number_of_installments": 48
},
}

STATUS
- 400 (Rejected)
Response Body: Bad Request
{
"title": "Bad Request",
"description": "Calculated installment face value is greater than consigned credit balance",
"translation": "Schema Invalido",
"extra_fields": {},
"code": "QIT000001"
}

3. 拍卖结束

内部拍卖结束时,发送 webhook 通知合作伙伴是否赢得拍卖。若获胜,信贷操作被创建,QI Sign 正式化链接发送至借款人 CTPS 应用。从此刻起,操作跟踪应通过 credit_operation_key 进行。

WEBHOOK_TYPE
laas.private_payroll_auction.end_of_auction

{
"key": "250cfea5-99dc-4c80-be3e-2231350cf9a2", // 此键等同于 auction_proposal_key
"data": {
"auction_proposal_key": "250cfea5-99dc-4c80-be3e-2231350cf9a2",
"status": "won",
"type": "auction",
"rank_position": 1,
"signature_url": "https://sandbox.sign.qitech.com.br/r/3D1s523",
"credit_operation_key": "9e06ca79-3610-4794-8312-9663e0343f6b",
"issuer_proposal_request_key": "262d0584-9827-4652-9b27-6a46c9832f38"
},
"status": "won",
"event_datetime": "2025-03-20T14:48:43Z",
"webhook_type": "laas.private_payroll_auction.end_of_auction"
}

失败提案的信贷操作键将以 null 值返回。

注意

签署链接不会在生产环境中发送,仅在沙盒环境中发送,以便能够模拟借款人的签署操作。

附件

IssuerProposalRequest 对象定义

名称类型描述
issuer_proposal_request_keystring提案申请的唯一标识符
issuer_proposal_request_dataobject描述提案申请数据的对象
statusstring提案申请的状态(ongoing, finished, expired

IssuerProposalRequestData 对象定义

名称类型描述
namestring借款人全名
document_numberstring借款人 CPF
birth_datestring借款人出生日期,格式 YYYY-MM-DD
disbursed_amountfloat借款人申请的放款金额
number_of_installmentsinteger借款人申请的分期数
consigned_credit_balancefloat借款人可用薪资抵押额度余额
admission_datestring工人在当前职位的入职日期,格式 YYYY-MM-DD
issuer_registration_codestring员工 eSocial 工号
employer_document_numberstring雇主 CNPJ
eligibleboolean有资格为 True,无资格为 False
employer_document_typestringCNPJ 或 CPF
alerts包含雇佣关系休假历史和离职通知的列表,字段详情请参阅 alerts 对象详情

alerts 对象详情

字段描述
alert_type提醒类型,可能的枚举值请见提醒类型
reference_date事件参考日期
event_id事件标识符
leave_reason_code符合 eSocial 网站标准的休假原因
leave_start_date休假开始日期
leave_end_date休假结束日期
termination_reason_code符合 eSocial 网站标准的离职原因
termination_date雇佣关系离职日期
notice_period_start_date预告期开始日期
notice_period_end_date预告期结束日期

提醒类型

ENUMERADOR
alert_type
枚举值描述
leave休假
termination离职预告

提案申请状态详情

状态描述
ongoing提案申请进行中,拍卖仍在进行。
finished提案申请已完成,拍卖结束,已接受并纳入一个发送的提案
expired提案申请已过期,拍卖结束,未及时纳入任何提案

拍卖提案请求详情

字段类型描述必填
issuer_proposal_request_keystringIssuerProposalRequest 的唯一标识键,uuid v4 格式。
auction_proposal_keystringAuctionProposal 的唯一标识键,uuid v4 格式。
disbursed_issue_amountfloat提案的预期放款金额。
purchaser_document_numberinteger债务购买方 CNPJ
monthly_interest_ratefloat提案的月利率,范围 0 到 1(分别对应 0% 到 100%)。
installment_face_valuefloat提案的预期分期金额。
number_of_installmentsinteger提案的分期数。
days_to_expirationinteger提案到期前的天数。如不包含此键,提案有效期为 7 天
rebateslist信贷操作的返点列表。使用与主动发行(/debt)相同的标准