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模拟再融资

针对不存在的再融资操作的 Request​

ENDPOINT
/debt_simulation
MÉTODO
POST
Request Body
{
  "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,
        "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
        }
      }
    }
  ]
}
注意！

"refinanced_credit_operations" 中的 "disbursement_date" 和 "monthly_interest_rate" 字段，仅在需要为多种放款选项计算再融资操作结清金额时为必填项。

针对已存在的再融资操作的 Request​

ENDPOINT
/debt_simulation
MÉTODO
POST
Request Body
{
  "complex_operation": true,
  "operation_batch": [
    {
      "borrower": {
        "person_type": "natural"
      },
     "refinanced_credit_operations": [
            {
                "operation_key": "a9630d51-f08f-4763-b269-c1947e97c260"
            }
    ],
      "financial": {
        "amount": 1900.83,
        "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
        }
      }
    }
  ]
}

注意！

再融资模拟使用的载荷与简单债务模拟相同，但需在 "refinanced_credit_operations" 中附加将被结清的操作列表及其结清计算数据。

Response​

STATUS
200
Response Body
[
    {
        "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
                }
            ],
            "final_disbursement_amount": -17733.89,
            "installments": [],
            "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
                }
            ],
            "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
{
  "data": "{\"title\": \"Bad Request\", \"description\": \"Invalid request body.\", \"translation\": \"Corpo da requisição inválido.\", \"extra_fields\": {}, \"code\": \"LEG000069\"}"
}

定义​

Request Body​

字段类型描述
complex_operationbooleantrue - 表示可在同一请求中执行多个模拟
operation_batchobject模拟请求列表 - Operation Batch 列表对象

Operation Batch 列表对象​

字段类型描述
borrowerobjectBorrower 对象 - 信贷操作的债务人
financialobjectFinancial 对象 - 操作财务数据

Borrower 对象​

字段类型描述
person_typeobjectPerson Type 枚举值 - 债务人的法律性质

Financial 对象​

字段类型描述
amoutfloat信贷操作的发行/名义价值
interest_typeobjectInterest Type 枚举值 - 摊销方法和利息计算方式
credit_operation_typeobjectCredit Operation Type 枚举值 - 信贷合同类型
annual_interest_ratefloat以十进制表示的年预固定利率
disbursement_datedate操作放款日期
interest_grace_periodint利息宽限期（以月为单位）
principal_grace_periodint本金宽限期
number_of_installmentsint信贷操作分期数
fine_configurationobjectfine_configuration 对象 - 逾期利息和罚款配置
refinanced_credit_operationsarray of objects包含将被再融资操作信息的对象列表

Refinanced Credit Operations 对象​

当再融资操作不存在时的对象​

字段类型描述
due_balancenumber结清再融资操作所需的金额。
original_deadlineint再融资信贷操作的总期限（天数）。
monthly_interest_ratefloat再融资操作的月利率。
disbursement_datedate再融资操作的放款日期。

当再融资操作已存在时的对象​

字段类型描述
operation_keystring uuid将被再融资的操作密钥。

Fine Configuration 对象​

字段类型描述
contract_fine_ratefloat以十进制表示的逾期罚款百分比
interest_baseenumInterest Base 枚举值 - 利息计算基准
monthly_ratefloat以十进制表示的月逾期利率