Sumário
Sumário #
- Visão Geral da API
- Endpoints Disponíveis
- Simulação – Cálculo do REFIN
- Simulação – Cálculo de Parcelas – Portabilidade
- Estruturas de Erro
1. Visão Geral da API #
A API de Simulação é responsável por executar cálculos financeiros de operações de crédito, expondo endpoints de
simulação de portabilidade e refinanciamento.
URL’s token #
- Homologação: https://hmlapi2.bancosemear.com.br/oauth/access-token
- Produção: https://api2.bancosemear.com.br/oauth/access-token
2. Endpoints Disponíveis #
A API possui dois endpoints principais:
| Endpoint | Método | Função |
|---|---|---|
| /api-simulation/v2/public/simulation/calcular-refinanciamento | POST | Calcula a operação de REFIN |
| /api-simulation/v2/public/simulation/calcular-portabilidade | POST | Calcula a operação de PORT |
3. Simulação – Cálculo do REFIN #
POST /v2/public/simulation/calcular-refinanciamento #
Descrição #
Calcula o prazo com base na taxa de juros, parcela, datas da operação e saldo devedor do cliente
Parâmetros considerados:
- Saldo devedor
- Parcela
- Taxa mensal oferta (monthlyTax)
- Datas da operação e do primeiro vencimento (operationDate)
- Data do Primeiro Desconto (firstDueDate)
Headers Parameters #
client_id
access_token
Payload – CreateCreditCommand #
{
"operationDate": "2026-09-17",
"firstDueDate": "2027-01-07",
"monthlyTax": 1.54,
"term": 2,
"outstandingBalanceAmount": 19693.76,
"installmentValue": 300, //Informar o valor da parcela caso o valor total financiado não informado.
"amountFinanced": 21374.45 //Informar o valor total refinanciado caso o valor da parcela não informado.
}Campos obrigatórios #
| Campo | Tipo | Formato/precisão | Descrição |
|---|---|---|---|
| operationDate | string (date) | YYYY-MM-DD | Data da operação |
| firstDueDate | string (date) | YYYY-MM-DD | Data do primeiro desconto. Sempre no dia 7. Obs.: Obrigatório para carência de no máximo 90 dias. |
| term | number | Número inteiro | Número de parcelas |
| monthlyTax | number | Máximo de 4 casas decimais | Taxa nominal mensal (ex.: 1.09 = 1,09% a.m.).* |
| outstanding_balance_amount | number | Máximo de 2 casas decimais | Saldo devedor do cliente |
| installmentValue | number | Máximo de 2 casas decimais | Valor da parcela OBS.: Informar o valor da parcela caso o valor financiado não informado. |
| amountFinanced | number | Máximo de 2 casas decimais | Valor total refinanciado OBS.: Informar o valor refinanciado caso o valor da parcela não informado. |
*A taxa inserida na API é conforme taxa simulada sem o percentual, conforme exemplo acima.
Resposta – 200 OK (exemplo)
{
"multiSimulationId": "1bce09f2-1089-4cde-ba3d-84e5192bdba7",
"gracePeriod": true,
"simulations": [
{
"id": "9f0f4970-859a-460d-a2d1-de3cfb37aa8d",
"simulationDate": "2026-09-17",
"financedAmount": "21573.68",
"requestedAmount": "21374.45",
"installmentAmount": "11150.22",
"annualRate": "20.1282",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "199.23",
"annualCET": "26.4654",
"monthlyCET": "1.9759",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11150.22",
"installmentAmountCET": "11150.22",
"termDays": 51,
"cumulativeTermDays": 51,
"installmentOutstandingBalance": "10983.41",
"installmentAmortizationAmount": "10590.27",
"installmentInterestAmount": "559.95",
"installmentDailyIOF": "44.29",
"installmentAdditionalIOF": "40.24",
"totalIOF": "84.53",
"currentInstallmentAmount": "10868.13"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11150.22",
"installmentAmountCET": "11150.22",
"termDays": 30,
"cumulativeTermDays": 81,
"installmentOutstandingBalance": "-0.00",
"installmentAmortizationAmount": "10983.41",
"installmentInterestAmount": "166.81",
"installmentDailyIOF": "72.95",
"installmentAdditionalIOF": "41.74",
"totalIOF": "114.69",
"currentInstallmentAmount": "10705.55"
}
]
},
{
"id": "4432e191-b58a-45f8-bb8b-cf77e147f52c",
"simulationDate": "2026-09-18",
"financedAmount": "21571.88",
"requestedAmount": "21374.45",
"installmentAmount": "11143.69",
"annualRate": "20.1282",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "197.43",
"annualCET": "26.5063",
"monthlyCET": "1.9787",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11143.69",
"installmentAmountCET": "11143.69",
"termDays": 50,
"cumulativeTermDays": 50,
"installmentOutstandingBalance": "10976.98",
"installmentAmortizationAmount": "10594.90",
"installmentInterestAmount": "548.79",
"installmentDailyIOF": "43.44",
"installmentAdditionalIOF": "40.26",
"totalIOF": "83.70",
"currentInstallmentAmount": "10867.23"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11143.69",
"installmentAmountCET": "11143.69",
"termDays": 30,
"cumulativeTermDays": 80,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10976.98",
"installmentInterestAmount": "166.71",
"installmentDailyIOF": "72.01",
"installmentAdditionalIOF": "41.71",
"totalIOF": "113.72",
"currentInstallmentAmount": "10704.65"
}
]
},
{
"id": "9069da02-89b1-45c4-91a9-1a34de1d702c",
"simulationDate": "2026-09-19",
"financedAmount": "21570.08",
"requestedAmount": "21374.45",
"installmentAmount": "11137.16",
"annualRate": "20.1280",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "195.63",
"annualCET": "26.5482",
"monthlyCET": "1.9815",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11137.16",
"installmentAmountCET": "11137.16",
"termDays": 49,
"cumulativeTermDays": 49,
"installmentOutstandingBalance": "10970.55",
"installmentAmortizationAmount": "10599.53",
"installmentInterestAmount": "537.63",
"installmentDailyIOF": "42.59",
"installmentAdditionalIOF": "40.28",
"totalIOF": "82.87",
"currentInstallmentAmount": "10866.32"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11137.16",
"installmentAmountCET": "11137.16",
"termDays": 30,
"cumulativeTermDays": 79,
"installmentOutstandingBalance": "-0.00",
"installmentAmortizationAmount": "10970.55",
"installmentInterestAmount": "166.61",
"installmentDailyIOF": "71.07",
"installmentAdditionalIOF": "41.69",
"totalIOF": "112.76",
"currentInstallmentAmount": "10703.76"
}
]
},
{
"id": "37cea0a1-1451-4c70-9b2e-7a8faf041666",
"simulationDate": "2026-09-20",
"financedAmount": "21568.28",
"requestedAmount": "21374.45",
"installmentAmount": "11130.64",
"annualRate": "20.1282",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "193.83",
"annualCET": "26.5920",
"monthlyCET": "1.9844",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11130.64",
"installmentAmountCET": "11130.64",
"termDays": 48,
"cumulativeTermDays": 48,
"installmentOutstandingBalance": "10964.12",
"installmentAmortizationAmount": "10604.16",
"installmentInterestAmount": "526.48",
"installmentDailyIOF": "41.74",
"installmentAdditionalIOF": "40.30",
"totalIOF": "82.04",
"currentInstallmentAmount": "10865.41"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11130.64",
"installmentAmountCET": "11130.64",
"termDays": 30,
"cumulativeTermDays": 78,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10964.12",
"installmentInterestAmount": "166.52",
"installmentDailyIOF": "70.13",
"installmentAdditionalIOF": "41.66",
"totalIOF": "111.79",
"currentInstallmentAmount": "10702.87"
}
]
},
{
"id": "92e89114-1379-4cec-b675-c9de4bc11889",
"simulationDate": "2026-09-21",
"financedAmount": "21566.48",
"requestedAmount": "21374.45",
"installmentAmount": "11124.12",
"annualRate": "20.1282",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "192.03",
"annualCET": "26.6368",
"monthlyCET": "1.9874",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11124.12",
"installmentAmountCET": "11124.12",
"termDays": 47,
"cumulativeTermDays": 47,
"installmentOutstandingBalance": "10957.70",
"installmentAmortizationAmount": "10608.78",
"installmentInterestAmount": "515.34",
"installmentDailyIOF": "40.89",
"installmentAdditionalIOF": "40.31",
"totalIOF": "81.20",
"currentInstallmentAmount": "10864.51"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11124.12",
"installmentAmountCET": "11124.12",
"termDays": 30,
"cumulativeTermDays": 77,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10957.70",
"installmentInterestAmount": "166.42",
"installmentDailyIOF": "69.19",
"installmentAdditionalIOF": "41.64",
"totalIOF": "110.83",
"currentInstallmentAmount": "10701.97"
}
]
},
{
"id": "64b1fe3b-3508-4839-99d1-46097bb2bd4f",
"simulationDate": "2026-09-22",
"financedAmount": "21564.67",
"requestedAmount": "21374.45",
"installmentAmount": "11117.60",
"annualRate": "20.1282",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "190.22",
"annualCET": "26.6830",
"monthlyCET": "1.9905",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11117.60",
"installmentAmountCET": "11117.60",
"termDays": 46,
"cumulativeTermDays": 46,
"installmentOutstandingBalance": "10951.28",
"installmentAmortizationAmount": "10613.39",
"installmentInterestAmount": "504.21",
"installmentDailyIOF": "40.03",
"installmentAdditionalIOF": "40.33",
"totalIOF": "80.36",
"currentInstallmentAmount": "10863.60"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11117.60",
"installmentAmountCET": "11117.60",
"termDays": 30,
"cumulativeTermDays": 76,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10951.28",
"installmentInterestAmount": "166.32",
"installmentDailyIOF": "68.25",
"installmentAdditionalIOF": "41.61",
"totalIOF": "109.86",
"currentInstallmentAmount": "10701.07"
}
]
},
{
"id": "f2a65979-6d39-45eb-a46d-67981b05aeb0",
"simulationDate": "2026-09-23",
"financedAmount": "21562.88",
"requestedAmount": "21374.45",
"installmentAmount": "11111.09",
"annualRate": "20.1280",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "188.43",
"annualCET": "26.7311",
"monthlyCET": "1.9938",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11111.09",
"installmentAmountCET": "11111.09",
"termDays": 45,
"cumulativeTermDays": 45,
"installmentOutstandingBalance": "10944.87",
"installmentAmortizationAmount": "10618.01",
"installmentInterestAmount": "493.08",
"installmentDailyIOF": "39.18",
"installmentAdditionalIOF": "40.35",
"totalIOF": "79.53",
"currentInstallmentAmount": "10862.69"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11111.09",
"installmentAmountCET": "11111.09",
"termDays": 30,
"cumulativeTermDays": 75,
"installmentOutstandingBalance": "-0.00",
"installmentAmortizationAmount": "10944.87",
"installmentInterestAmount": "166.22",
"installmentDailyIOF": "67.31",
"installmentAdditionalIOF": "41.59",
"totalIOF": "108.90",
"currentInstallmentAmount": "10700.19"
}
]
},
{
"id": "b51faa09-f177-4284-b6f1-4d87fc4879da",
"simulationDate": "2026-09-24",
"financedAmount": "21561.09",
"requestedAmount": "21374.45",
"installmentAmount": "11104.59",
"annualRate": "20.1282",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "186.64",
"annualCET": "26.7813",
"monthlyCET": "1.9971",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11104.59",
"installmentAmountCET": "11104.59",
"termDays": 44,
"cumulativeTermDays": 44,
"installmentOutstandingBalance": "10938.46",
"installmentAmortizationAmount": "10622.63",
"installmentInterestAmount": "481.96",
"installmentDailyIOF": "38.33",
"installmentAdditionalIOF": "40.37",
"totalIOF": "78.70",
"currentInstallmentAmount": "10861.79"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11104.59",
"installmentAmountCET": "11104.59",
"termDays": 30,
"cumulativeTermDays": 74,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10938.46",
"installmentInterestAmount": "166.13",
"installmentDailyIOF": "66.37",
"installmentAdditionalIOF": "41.57",
"totalIOF": "107.94",
"currentInstallmentAmount": "10699.30"
}
]
},
{
"id": "79bc0143-9d3d-4512-9c9e-599b2104f380",
"simulationDate": "2026-09-25",
"financedAmount": "21559.29",
"requestedAmount": "21374.45",
"installmentAmount": "11098.08",
"annualRate": "20.1279",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "184.84",
"annualCET": "26.8322",
"monthlyCET": "2.0005",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11098.08",
"installmentAmountCET": "11098.08",
"termDays": 43,
"cumulativeTermDays": 43,
"installmentOutstandingBalance": "10932.05",
"installmentAmortizationAmount": "10627.24",
"installmentInterestAmount": "470.84",
"installmentDailyIOF": "37.47",
"installmentAdditionalIOF": "40.38",
"totalIOF": "77.85",
"currentInstallmentAmount": "10860.88"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11098.08",
"installmentAmountCET": "11098.08",
"termDays": 30,
"cumulativeTermDays": 73,
"installmentOutstandingBalance": "-0.00",
"installmentAmortizationAmount": "10932.05",
"installmentInterestAmount": "166.03",
"installmentDailyIOF": "65.44",
"installmentAdditionalIOF": "41.54",
"totalIOF": "106.98",
"currentInstallmentAmount": "10698.41"
}
]
},
{
"id": "a65c4cb0-f1ca-4a05-921f-c64d4a035f0a",
"simulationDate": "2026-09-26",
"financedAmount": "21557.50",
"requestedAmount": "21374.45",
"installmentAmount": "11091.59",
"annualRate": "20.1283",
"monthlyRate": "1.5400",
"dailyRate": "0.0503",
"operationIOF": "183.05",
"annualCET": "26.8862",
"monthlyCET": "2.0042",
"customerChangeAmount": "1680.69",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2026-11-07",
"installmentAmount": "11091.59",
"installmentAmountCET": "11091.59",
"termDays": 42,
"cumulativeTermDays": 42,
"installmentOutstandingBalance": "10925.66",
"installmentAmortizationAmount": "10631.84",
"installmentInterestAmount": "459.75",
"installmentDailyIOF": "36.62",
"installmentAdditionalIOF": "40.40",
"totalIOF": "77.02",
"currentInstallmentAmount": "10859.98"
},
{
"installmentNumber": 2,
"dueDate": "2026-12-07",
"installmentAmount": "11091.59",
"installmentAmountCET": "11091.59",
"termDays": 30,
"cumulativeTermDays": 72,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10925.66",
"installmentInterestAmount": "165.93",
"installmentDailyIOF": "64.51",
"installmentAdditionalIOF": "41.52",
"totalIOF": "106.03",
"currentInstallmentAmount": "10697.52"
}
]
}
]
}Principais saídas: #
- financedAmount (valor financiado)
- requestedAmount (valor solicitado)
- operationIOF (IOF da operação)
- annualCET / monthlyCET (CET anual e mensal)
- installments (detalhamento de parcelas)
4. Simulação – Cálculo de Parcelas – Portabilidade #
POST /v2/public/simulation/calcular-portabilidade #
Descrição #
Calcula o fluxo de parcelas (incluindo IOF e CET) com base no valor financiado, taxa de juros, prazo e datas da operação.
Parâmetros considerados:
- Valor do saldo devedor do cliente (amountFinanced)
- Prazo (term)
- Taxa mensal (monthlyTax)
- Datas da operação e do primeiro vencimento (operationDate)
- Data do Primeiro Desconto (firstDueDate)
Headers Parameters #
client_id
access_token
Payload – CreateInstallmentsCommand #
{
"operationDate": "2025-12-17",
"firstDueDate": "2026-02-07",
"monthlyTax": 0.00109,
"term": 10,
"outstandingBalanceAmount": 1000
}*A taxa inserida na API é conforme taxa simulada sem o percentual, conforme exemplo acima.
Campos obrigatórios #
| Campo | Tipo | Descrição |
|---|---|---|
| operationDate | string (date) | Data da operação (formato YYYY-MM-DD). |
| firstDueDate | string (date) | Data do primeiro desconto. Sempre no dia 7. Obs.: Obrigatório para carência de no máximo 90 dias. |
| monthlyTax | number | Taxa nominal mensal em decimal (ex.: 1.09 = 1,09% a.m.).* |
| term | integer | Número de parcelas. |
| outstandingBalanceAmount | number | Saldo devedor do cliente |
Resposta – 200 OK (exemplo)
{
"multiSimulationId": "5e8fc6c4-cd83-4f9e-b2fb-5e063157a481",
"gracePeriod": true,
"simulations": [
{
"id": "214f305a-317f-4ca8-96be-2a3e2a72a50b",
"simulationDate": "2026-09-17",
"financedAmount": "19693.76",
"requestedAmount": "19693.76",
"installmentAmount": "10530.97",
"annualRate": "20.9830",
"monthlyRate": "1.6000",
"dailyRate": "0.0529",
"operationIOF": "0.00",
"annualCET": "20.9830",
"monthlyCET": "1.6000",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2027-01-07",
"installmentAmount": "10530.97",
"installmentAmountCET": "10530.97",
"termDays": 112,
"cumulativeTermDays": 112,
"installmentOutstandingBalance": "10365.13",
"installmentAmortizationAmount": "9328.63",
"installmentInterestAmount": "1202.34",
"installmentDailyIOF": "0.00",
"installmentAdditionalIOF": "0.00",
"totalIOF": "0.00",
"currentInstallmentAmount": "9925.03"
},
{
"installmentNumber": 2,
"dueDate": "2027-02-07",
"installmentAmount": "10530.97",
"installmentAmountCET": "10530.97",
"termDays": 31,
"cumulativeTermDays": 143,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10365.13",
"installmentInterestAmount": "165.84",
"installmentDailyIOF": "0.00",
"installmentAdditionalIOF": "0.00",
"totalIOF": "0.00",
"currentInstallmentAmount": "9768.73"
}
]
},
{
"id": "f11c0ff7-06be-492d-b684-d9ce0dea021f",
"simulationDate": "2026-09-18",
"financedAmount": "19693.76",
"requestedAmount": "19693.76",
"installmentAmount": "10525.40",
"annualRate": "20.9830",
"monthlyRate": "1.6000",
"dailyRate": "0.0529",
"operationIOF": "0.00",
"annualCET": "20.9830",
"monthlyCET": "1.6000",
"installments": [
{
"installmentNumber": 1,
"dueDate": "2027-01-07",
"installmentAmount": "10525.40",
"installmentAmountCET": "10525.40",
"termDays": 111,
"cumulativeTermDays": 111,
"installmentOutstandingBalance": "10359.64",
"installmentAmortizationAmount": "9334.12",
"installmentInterestAmount": "1191.28",
"installmentDailyIOF": "0.00",
"installmentAdditionalIOF": "0.00",
"totalIOF": "0.00",
"currentInstallmentAmount": "9925.03"
},
{
"installmentNumber": 2,
"dueDate": "2027-02-07",
"installmentAmount": "10525.40",
"installmentAmountCET": "10525.40",
"termDays": 31,
"cumulativeTermDays": 142,
"installmentOutstandingBalance": "0.00",
"installmentAmortizationAmount": "10359.64",
"installmentInterestAmount": "165.76",
"installmentDailyIOF": "0.00",
"installmentAdditionalIOF": "0.00",
"totalIOF": "0.00",
"currentInstallmentAmount": "9768.73"
}
]
},
{
"id": "c0dcc25d-fb7b-43e6-9c33-e8652f033547",
"simulationDate": "2026-09-19",
"financedAmount": "19693.76",
"requestedAmount": "19693.76",
"installmentAmount": "10519.83",
"annualRate": "20.9830",
"monthlyRate": "1.6000",
"dailyRate": "0.0529",
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},
{
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"annualCET": "20.9830",
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},
{
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]
}
]
}Principais saídas: #
- installmentAmount – resultado principal
- annualCET – CET anual
- monthlyCET – CET mensal
- annualRate, monthlyRate, dailyRate – Taxas efetivas (anual, mensal, diária)
- installments – Parcelas detalhadas
5. Estruturas de Erro #
400 – Bad Request
[
{
"code": 1073741824,
"title": null,
"detail": null
}
] 500 – Internal Server Error
{
"code": 1073741824,
"title": null,
"detail": null
} 
