{"id":1860,"date":"2025-12-22T19:20:50","date_gmt":"2025-12-22T22:20:50","guid":{"rendered":"https:\/\/www.bancosemear.com.br\/docs\/?post_type=docs&#038;p=1860"},"modified":"2026-02-06T18:23:54","modified_gmt":"2026-02-06T21:23:54","slug":"simulacao-de-emprestimo-inss-2","status":"publish","type":"docs","link":"https:\/\/www.bancosemear.com.br\/docs\/?docs=simulacao-de-emprestimo-inss-2","title":{"rendered":"Simula\u00e7\u00e3o de Empr\u00e9stimo INSS"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"0-toc-title\">Sum\u00e1rio<\/h2>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Vis\u00e3o Geral da API<\/li>\n\n\n\n<li>Endpoints Dispon\u00edveis<\/li>\n\n\n\n<li>Simula\u00e7\u00e3o \u2013 C\u00e1lculo do Valor de Cr\u00e9dito<\/li>\n\n\n\n<li>Simula\u00e7\u00e3o \u2013 C\u00e1lculo de Parcelas<\/li>\n\n\n\n<li>Estruturas de Erro<\/li>\n<\/ol>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-toc-title\">1. Vis\u00e3o Geral da API<\/h3>\n\n\n\n<p>A API de Simula\u00e7\u00e3o \u00e9 respons\u00e1vel por executar c\u00e1lculos financeiros de opera\u00e7\u00f5es de cr\u00e9dito, expondo endpoints de<br>simula\u00e7\u00e3o para c\u00e1lculo reverso (valor do cr\u00e9dito a partir da parcela) e c\u00e1lculo direto (parcelas a partir do valor<br>financiado).<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"4-toc-title\">Escopo:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00e1lculo do valor de cr\u00e9dito (valor financiado\/solicitado) a partir do valor de parcela.<\/li>\n\n\n\n<li>C\u00e1lculo de parcelas a partir de um valor financiado.<\/li>\n\n\n\n<li>Retorno de IOF, taxas efetivas e detalhamento por parcela.<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"1-toc-title\">URL de homologa\u00e7\u00e3o<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Homologa\u00e7\u00e3o:<\/strong>&nbsp;<a href=\"https:\/\/api2.bancosemear.com.br\/oauth\/access-token\">https:\/\/api2.bancosemear.com.br\/oauth\/access-token<\/a><\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-toc-title\">2. Endpoints Dispon\u00edveis<\/h3>\n\n\n\n<p>A API possui dois endpoints principais:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Endpoint<\/th><th>M\u00e9todo<\/th><th>Fun\u00e7\u00e3o<\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/hmlapi2.bancosemear.com.br\/api-simulation\/v1\/public\/simulation\/calcular-valor-credito\">https:\/\/hmlapi2.bancosemear.com.br\/api-simulation\/v1\/public\/simulation\/calcular-valor-credito<\/a><\/td><td>&nbsp;POST<\/td><td>Calcula o valor de cr\u00e9dito com base na taxa<br>de juros, prazo, datas e valor da parcela.<\/td><\/tr><tr><td><a href=\"https:\/\/hmlapi2.bancosemear.com.br\/api-simulation\/v1\/public\/simulation\/calcular-parcelas\">https:\/\/hmlapi2.bancosemear.com.br\/api-simulation\/v1\/public\/simulation\/calcular-parcelas<\/a><\/td><td>POST<\/td><td>Calcula as parcelas (fluxo de pagamento)<br>com base na taxa de juros, prazo, datas e<br>valor financiado.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-toc-title\">3. Simula\u00e7\u00e3o \u2013 C\u00e1lculo do Valor de Cr\u00e9dito<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-toc-title\">POST \/v1\/public\/simulation\/calcular-valor-credito<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-toc-title\">Descri\u00e7\u00e3o<\/h3>\n\n\n\n<p>Calcula o valor financiado e o valor solicitado com base na taxa de juros, prazo, datas da opera\u00e7\u00e3o e valor da parcela informada.<br><\/p>\n\n\n\n<p>Par\u00e2metros considerados:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valor da parcela (installmentValue)<\/li>\n\n\n\n<li>Prazo (term)<\/li>\n\n\n\n<li>Taxa mensal (monthlyTax)<\/li>\n\n\n\n<li>Datas da opera\u00e7\u00e3o e do primeiro vencimento (operationDate \/ firstDueDate)<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"6-toc-title\">Headers Parameters<\/h4>\n\n\n\n<p>client_id<br>access_token<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"2-toc-title\">Payload \u2013 CreateCreditCommand <\/h4>\n\n\n\n<pre class=\"wp-block-code\"><code>{ \n  \"operationDate\": \"2025-12-17\", \n  \"firstDueDate\": \"2026-01-17\", \n  \"monthlyTax\": 1.09, \n  \"term\": 12, \n  \"installmentValue\": 10000 \n} <\/code><\/pre>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"3-toc-title\"><\/h4>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"8-toc-title\">Campos obrigat\u00f3rios<\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Campo<\/th><th>Tipo<\/th><th>Descri\u00e7\u00e3o<\/th><\/tr><\/thead><tbody><tr><td>operationDate<\/td><td>string (date)<\/td><td>Data da opera\u00e7\u00e3o (formato YYYY-MM-DD).<\/td><\/tr><tr><td>firstDueDate<\/td><td>string (date)<\/td><td>Data do primeiro vencimento (formato YYYY-MM-DD).<\/td><\/tr><tr><td>monthlyTax<\/td><td>number<\/td><td>Taxa nominal mensal (ex.: 1.09 = 1,09% a.m.).*<\/td><\/tr><tr><td>term<\/td><td>integer<\/td><td>N\u00famero de parcelas.<\/td><\/tr><tr><td>installmentValue<\/td><td>number<\/td><td>Valor da parcela.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*A taxa inserida na API \u00e9 conforme taxa simulada sem o percentual, conforme exemplo acima.<\/p>\n\n\n\n<p><strong>Resposta \u2013 200 OK (exemplo)<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>\n{\n  \"id\": \"00000000-0000-0000-0000-000000000000\"\n  \"financedAmount\": null\n  \"requestedAmount\": null\n  \"installmentAmount\": null,\n  \"annualRate\": null,\n  \"monthlyRate\": null,\n  \"dailyRate\": null,\n  \"operationIOF\": null,\n  \"annualCET\": null,\n  \"monthlyCET\": null,\n  \"installments\": &#91;\n    {\n      \"installmentNumber\": 1073741824,\n      \"dueDate\": null,\n      \"installmentAmount\": null,\n      \"installmentAmountCET\": null,\n      \"termDays\": 0,\n      \"cumulativeTermDays\": 0,\n      \"installmentOutstandingBalance\": null,\n      \"installmentAmortizationAmount\": null,\n      \"installmentInterestAmount\": null,\n      \"installmentDailyIOF\": null,\n      \"installmentAdditionalIOF\": null,\n      \"totalIOF\": null\n    }  \n ]\n\n}<\/code><\/pre>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"1-toc-title\">Principais sa\u00eddas:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>financedAmount (valor financiado)<\/li>\n\n\n\n<li>requestedAmount (valor solicitado)<\/li>\n\n\n\n<li>operationIOF (IOF da opera\u00e7\u00e3o)<\/li>\n\n\n\n<li>annualCET \/ monthlyCET (CET anual e mensal)<\/li>\n\n\n\n<li>installments (detalhamento de parcelas)<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-toc-title\">4. Simula\u00e7\u00e3o \u2013 C\u00e1lculo de Parcelas<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-toc-title\">POST \/v1\/public\/simulation\/calcular-parcelas<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"6-toc-title\">Descri\u00e7\u00e3o<\/h3>\n\n\n\n<p>Calcula o fluxo de parcelas (incluindo IOF e CET) com base no valor financiado, taxa de juros, prazo e datas da opera\u00e7\u00e3o.<\/p>\n\n\n\n<p>Par\u00e2metros considerados:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valor financiado (amountFinanced)<\/li>\n\n\n\n<li>Prazo (term)<\/li>\n\n\n\n<li>Taxa mensal (monthlyTax)<\/li>\n\n\n\n<li>Datas da opera\u00e7\u00e3o e do primeiro vencimento (operationDate \/ firstDueDate)<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"6-toc-title\">Headers Parameters<\/h4>\n\n\n\n<p>client_id<br>access_token<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"2-toc-title\">Payload \u2013 CreateInstallmentsCommand<\/h4>\n\n\n\n<pre class=\"wp-block-code\"><code>{ \n  \"operationDate\": \"2025-12-17\", \n  \"firstDueDate\": \"2026-01-17\", \n  \"monthlyTax\": 1.09,\n  \"term\": 10, \n  \"amountFinanced\": 5000 \n} <\/code><\/pre>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"3-toc-title\"><\/h4>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"8-toc-title\">Campos obrigat\u00f3rios<\/h5>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Campo<\/th><th>Tipo<\/th><th>Descri\u00e7\u00e3o<\/th><\/tr><\/thead><tbody><tr><td>operationDate<\/td><td>string (date)<\/td><td>Data da opera\u00e7\u00e3o (formato YYYY-MM-DD).<\/td><\/tr><tr><td>firstDueDate<\/td><td>string (date)<\/td><td>Data do primeiro vencimento (formato YYYY-MM-DD).<\/td><\/tr><tr><td>&nbsp;monthlyTax<\/td><td>number<\/td><td>Taxa nominal mensal em decimal (ex.: 1.09 = 1,09% a.m.).*<\/td><\/tr><tr><td>term<\/td><td>integer<\/td><td>N\u00famero de parcelas.<\/td><\/tr><tr><td>amountFinanced<\/td><td>number<\/td><td>Valor financiado.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>*A taxa inserida na API \u00e9 conforme taxa simulada sem o percentual, conforme exemplo acima.<\/p>\n\n\n\n<p><strong>Resposta \u2013 200 OK (exemplo)<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>{\n  \"id\": \"00000000-0000-0000-0000-000000000000\"\n  \"financedAmount\": null,\n  \"requestedAmount\": null,\n  \"installmentAmount\": null,\n  \"annualRate\": null,\n  \"monthlyRate\": null,\n  \"dailyRate\": null,\n  \"operationIOF\": null,\n  \"annualCET\": null,\n  \"monthlyCET\": null,\n  \"installments\": &#91;\n    {\n      \"installmentNumber\": 1073741824,\n      \"dueDate\": null,\n      \"installmentAmount\": null,\n      \"installmentAmountCET\": null,\n      \"termDays\": 0,\n      \"cumulativeTermDays\": 0,\n      \"installmentOutstandingBalance\": null,\n      \"installmentAmortizationAmount\": null,\n      \"installmentInterestAmount\": null,\n      \"installmentDailyIOF\": null,\n      \"installmentAdditionalIOF\": null,\n      \"totalIOF\": null\n    }\n  ]\n}<\/code><\/pre>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"1-toc-title\">Principais sa\u00eddas:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>installmentAmount \u2013 resultado principal<\/li>\n\n\n\n<li>operationIOF \u2013 c\u00e1lculo completo conforme norma<\/li>\n\n\n\n<li>annualCET \u2013 CET anual<\/li>\n\n\n\n<li>monthlyCET \u2013 CET mensal<\/li>\n\n\n\n<li>annualRate, monthlyRate, dailyRate \u2013 Taxas efetivas (anual, mensal, di\u00e1ria)<\/li>\n\n\n\n<li>installments \u2013 Parcelas detalhadas<\/li>\n<\/ul>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"0-toc-title\">5. Estruturas de Erro<\/h3>\n\n\n\n<p>Este passo tem por finalidade atualizar uma cobran\u00e7a PIX imediato.<\/p>\n\n\n\n<p><strong>400 \u2013 Bad Request<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>&#91;\n  { \n    \"code\": 1073741824, \n    \"title\": null, \n    \"detail\": null\n  }\n] <\/code><\/pre>\n\n\n\n<p><strong>500 \u2013 Internal Server Error<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>{\n  \"code\": 1073741824, \n  \"title\": null, \n  \"detail\": null \n} <\/code><\/pre>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sum\u00e1rio 1. Vis\u00e3o Geral da API A API de Simula\u00e7\u00e3o \u00e9 respons\u00e1vel por executar c\u00e1lculos financeiros de opera\u00e7\u00f5es de cr\u00e9dito, expondo endpoints desimula\u00e7\u00e3o para c\u00e1lculo reverso (valor do cr\u00e9dito a partir da parcela) e c\u00e1lculo direto (parcelas a partir do valorfinanciado). Escopo: URL de homologa\u00e7\u00e3o 2. Endpoints Dispon\u00edveis A API possui dois endpoints principais: Endpoint &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.bancosemear.com.br\/docs\/?docs=simulacao-de-emprestimo-inss-2\"> <span class=\"screen-reader-text\">Simula\u00e7\u00e3o de Empr\u00e9stimo INSS<\/span> Leia mais &raquo;<\/a><\/p>\n","protected":false},"author":14,"featured_media":0,"parent":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"doc_category":[55],"doc_tag":[],"class_list":["post-1860","docs","type-docs","status-publish","hentry","doc_category-consignado_inss"],"_links":{"self":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/1860","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1860"}],"version-history":[{"count":13,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/1860\/revisions"}],"predecessor-version":[{"id":1957,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/1860\/revisions\/1957"}],"wp:attachment":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1860"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_category&post=1860"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_tag&post=1860"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}