{"id":2031,"date":"2026-05-07T08:07:02","date_gmt":"2026-05-07T11:07:02","guid":{"rendered":"https:\/\/www.bancosemear.com.br\/docs\/?post_type=docs&p=2031"},"modified":"2026-05-07T12:11:10","modified_gmt":"2026-05-07T15:11:10","slug":"api-criacao-de-proposta-port-refin","status":"publish","type":"docs","link":"https:\/\/www.bancosemear.com.br\/docs\/?docs=api-criacao-de-proposta-port-refin","title":{"rendered":"API Cria\u00e7\u00e3o de Proposta – PORT + REFIN"},"content":{"rendered":"\n

1. Vis\u00e3o geral  #<\/a><\/h3>\n\n\n\n

Esta API tem como objetivo receber os dados completos de uma proposta de portabilidade + refinanciamento, incluindo informa\u00e7\u00f5es do produto, cliente, dados banc\u00e1rios, contrato, documentos e assinatura, para cria\u00e7\u00e3o e processamento de uma proposta de empr\u00e9stimo. O consumidor da API deve enviar o payload conforme especificado nesta documenta\u00e7\u00e3o.<\/p>\n\n\n\n

2. Autentica\u00e7\u00e3o e Headers Obrigat\u00f3rios  #<\/a><\/h3>\n\n\n\n

A API utiliza autentica\u00e7\u00e3o via headers obrigat\u00f3rios, que devem ser enviados em todas as requisi\u00e7\u00f5es.<\/p>\n\n\n\n

URL: https:\/\/hmlapi2.bancosemear.com.br\/cass-proposal-creation-api\/v1\/public\/proposalcreation<\/a><\/p>\n\n\n\n

Header<\/strong><\/td>Exemplo<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
client_id<\/td>d9d4657b-a235-4943-8fff-181f1eea9553<\/td>Identificador da aplica\u00e7\u00e3o\/cliente consumidor da API<\/td><\/tr>
access_token<\/td>5af89110-5e6a-484a-8268-169a9d29fdf<\/td>Token de acesso para autoriza\u00e7\u00e3o<\/td><\/tr>
Content-Type<\/td>application\/json<\/td>Formato do corpo da requisi\u00e7\u00e3o.<\/td><\/tr>
Accept<\/td>application\/json<\/td>Formato esperado da resposta<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

<\/p>\n\n\n\n

3. Estrutura Geral do Payload  #<\/a><\/h3>\n\n\n\n

<\/p>\n\n\n\n

{\n \"credit_operation\": {},\n \"client\": {},\n \"benefit\": {},\n \"bank_data\": {},\n \"contract\": {},\n \"signature\": {},\n \"documents\": [],\n \"loan_intake_agent\": {},\n \"corban\": {}\n}<\/code><\/pre>\n\n\n\n
4. credit_operation #<\/a><\/h3>\n\n\n\n
Informa\u00e7\u00f5es do produto financeiro contratado.<\/p>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
id<\/td>string (UUID)<\/td>N\u00e3o<\/td>Identificador \u00fanico do produto<\/td><\/tr>
name<\/td>string<\/td>N\u00e3o<\/td>Nome do produto<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
5. client  #<\/a><\/h3>\n\n\n\n
Dados completos do cliente.<\/p>\n\n\n\n
5.1. address  #<\/a><\/h3>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
street<\/td>string<\/td>Sim<\/td>Logradouro<\/td><\/tr>
number<\/td>string<\/td>Sim<\/td>N\u00famero<\/td><\/tr>
complement<\/td>string<\/td>N\u00e3o<\/td>Complemento<\/td><\/tr>
neighborhood<\/td>string<\/td>Sim<\/td>Bairro<\/td><\/tr>
city<\/td>string<\/td>Sim<\/td>Cidade<\/td><\/tr>
state<\/td>string<\/td>Sim<\/td>UF<\/td><\/tr>
postal_code<\/td>string<\/td>Sim<\/td>CEP<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
5.2. personal_data  #<\/a><\/h3>\n\n\n\n
<\/p>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
name<\/td>string<\/td>Sim<\/td>Nome completo<\/td><\/tr>
cpf<\/td>string<\/td>Sim<\/td>CPF<\/td><\/tr>
state<\/td>string<\/td>Sim<\/td>UF emissora do documento<\/td><\/tr>
expedition_date<\/td>string<\/td>Sim<\/td>Data de emiss\u00e3o do documento<\/td><\/tr>
marital_status<\/td>string<\/td>Sim<\/td>Estado civil<\/td><\/tr>
birth_date<\/td>string<\/td>Sim<\/td>Data de nascimento<\/td><\/tr>
is_politically_exposed_person<\/td>boolean<\/td>Sim<\/td>Indica PEP<\/td><\/tr>
birth_city<\/td>string<\/td>Sim<\/td>Cidade de nascimento<\/td><\/tr>
nationality<\/td>string<\/td>Sim<\/td>Nacionalidade<\/td><\/tr>
gender<\/td>string<\/td>Sim<\/td>Sexo<\/td><\/tr>
education_level<\/td>string<\/td>Sim<\/td>Escolaridade<\/td><\/tr>
income<\/td>number<\/td>Sim<\/td>Renda mensal<\/td><\/tr>
mother_name<\/td>string<\/td>Sim<\/td>Nome da m\u00e3e<\/td><\/tr>
fathers_name<\/td>string<\/td>N\u00e3o<\/td>Nome do pai<\/td><\/tr>
position<\/td>string<\/td>Sim<\/td>Profiss\u00e3o<\/td><\/tr>
literate<\/td>boolean<\/td>Sim<\/td>Alfabetizado<\/td><\/tr>
spouse<\/td>string<\/td>N\u00e3o<\/td>Nome do c\u00f4njuge<\/td><\/tr>
spouse_document<\/td>string<\/td>N\u00e3o<\/td>Documento do c\u00f4njuge<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
5.3. employment_data  #<\/a><\/h3>\n\n\n\n
<\/p>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
employer_name<\/td>string<\/td>N\u00e3o<\/td>Nome do empregador<\/td><\/tr>
employer_cnpj<\/td>string<\/td>N\u00e3o<\/td>CNPJ do empregador<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
5.4. contact  #<\/a><\/h3>\n\n\n\n
<\/p>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
email<\/td>string<\/td>Sim<\/td>E-mail<\/td><\/tr>
cell_phone<\/td>string<\/td>Sim<\/td>Celular<\/td><\/tr>
phone<\/td>string<\/td>N\u00e3o<\/td>Telefone fixo<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
6. benefit  #<\/a><\/h3>\n\n\n\n
Informa\u00e7\u00f5es do benef\u00edcio do cliente.<\/p>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
benefit_number<\/td>string<\/td>Sim<\/td>N\u00famero do benef\u00edcio<\/td><\/tr>
benefit_type_code<\/td>string<\/td>Sim<\/td>C\u00f3digo do benef\u00edcio<\/td><\/tr>
benefit_description<\/td>string<\/td>Sim<\/td>Descri\u00e7\u00e3o do benef\u00edcio<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
7. bank_data  #<\/a><\/h3>\n\n\n\n
Dados banc\u00e1rios para cr\u00e9dito.<\/p>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
account_number<\/td>string<\/td>Sim<\/td>N\u00famero da conta<\/td><\/tr>
account_type<\/td>string<\/td>Sim<\/td>Tipo da conta 
(checking = conta corrente | savings = conta poupan\u00e7a )<\/td><\/tr>
branch_number<\/td>string<\/td>Sim<\/td>Ag\u00eancia<\/td><\/tr>
ispb<\/td>string<\/td>N\u00e3o<\/td>ISPB do banco<\/td><\/tr>
bank_code<\/td>string<\/td>Sim<\/td>C\u00f3digo do banco<\/td><\/tr>
account_digit<\/td>string<\/td>Sim<\/td>D\u00edgito da conta<\/td><\/tr>
document_number<\/td>string<\/td>Sim<\/td>Documento do titular<\/td><\/tr>
transfer_method<\/td>string<\/td>Sim<\/td>M\u00e9todo de transfer\u00eancia<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
8. contract  #<\/a><\/h3>\n\n\n\n
Informa\u00e7\u00f5es financeiras do contrato.<\/p>\n\n\n\n
Campo<\/th>Tipo<\/th>Obrigat\u00f3rio<\/th>Descri\u00e7\u00e3o<\/th><\/tr><\/thead>
id<\/td>string (UUID)<\/td>Sim<\/td>Identificador do contrato<\/td><\/tr>
ccb_number<\/td>string<\/td>Sim<\/td>N\u00famero da CCB<\/td><\/tr>
insurance<\/td>number<\/td>N\u00e3o<\/td>Seguro<\/td><\/tr>
paying_fund<\/td>string<\/td>Sim<\/td>Fundo pagador<\/td><\/tr>
origin_contract_code<\/td>string<\/td>Sim<\/td>N\u00famero do contrato na IF credora original<\/td><\/tr>
creditor_bank_ispb<\/td>string<\/td>Sim<\/td>ISPB do banco credor original<\/td><\/tr>
outstanding_balance_amount<\/td>number<\/td>Sim<\/td>Saldo devedor do cliente<\/td><\/tr>
installment_face_value<\/td>number<\/td>Sim<\/td>Valor de face das parcelas no contrato original<\/td><\/tr>
creditor_bank<\/td>string<\/td>Sim<\/td>CBC da IF credora original<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
8.1 simulation (dados da PORT)  #<\/a><\/h3>\n\n\n\n
Informa\u00e7\u00f5es financeiras do contrato da portabilidade<\/p>\n\n\n\n
Campo<\/th>Tipo<\/th>Obrigat\u00f3rio<\/th>Descri\u00e7\u00e3o<\/th><\/tr><\/thead>
simulation_id_port<\/td>string (UUID)<\/td>Sim<\/td>Id da simula\u00e7\u00e3o da PORT gerada<\/td><\/tr>
installment_value<\/td>number<\/td>Sim<\/td>Valor da parcela<\/td><\/tr>
number_of_installments<\/td>number<\/td>Sim<\/td>Quantidade de parcelas<\/td><\/tr>
outstanding_balance_amount<\/td>number<\/td>Sim<\/td>Saldo devedor do cliente<\/td><\/tr>
monthly_interest_rate<\/td>number<\/td>Sim<\/td>Juros mensal<\/td><\/tr>
annual_interest_rate<\/td>number<\/td>Sim<\/td>Juros anual<\/td><\/tr>
monthly_cet<\/td>number<\/td>Sim<\/td>CET mensal<\/td><\/tr>
annual_cet<\/td>number<\/td>Sim<\/td>CET anual<\/td><\/tr>
first_due_date<\/td>string<\/td>Sim<\/td>Primeiro vencimento<\/td><\/tr>
last_due_date<\/td>string<\/td>Sim<\/td>\u00daltimo vencimento<\/td><\/tr>
disbursement_date<\/td>string<\/td>Sim<\/td>Data de libera\u00e7\u00e3o<\/td><\/tr>
iof<\/td>number<\/td>Sim<\/td>IOF<\/td><\/tr>
daily_rate<\/td>number<\/td>Sim<\/td>Taxa di\u00e1ria<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
8.2 simulation (dados do REFIN) #<\/a><\/h3>\n\n\n\n
Informa\u00e7\u00f5es financeiras do contrato de refinanciamento<\/p>\n\n\n\n
Campo<\/th>Tipo<\/th>Obrigat\u00f3rio<\/th>Descri\u00e7\u00e3o<\/th><\/tr><\/thead>
simulation_id_refin<\/td>string (UUID)<\/td>Sim<\/td>Id da simula\u00e7\u00e3o de REFIN gerada<\/td><\/tr>
installment_value<\/td>number<\/td>Sim<\/td>Valor da parcela<\/td><\/tr>
number_of_installments<\/td>number<\/td>Sim<\/td>Quantidade de parcelas<\/td><\/tr>
total_amount<\/td>number<\/td>Sim<\/td>Valor total<\/td><\/tr>
amount<\/td>number<\/td>Sim<\/td>Valor liberado (troco)<\/td><\/tr>
monthly_interest_rate<\/td>number<\/td>Sim<\/td>Juros mensal<\/td><\/tr>
annual_interest_rate<\/td>number<\/td>Sim<\/td>Juros anual<\/td><\/tr>
monthly_cet<\/td>number<\/td>Sim<\/td>CET mensal<\/td><\/tr>
annual_cet<\/td>number<\/td>Sim<\/td>CET anual<\/td><\/tr>
first_due_date<\/td>string<\/td>Sim<\/td>Primeiro vencimento<\/td><\/tr>
last_due_date<\/td>string<\/td>Sim<\/td>\u00daltimo vencimento<\/td><\/tr>
disbursement_date<\/td>string<\/td>Sim<\/td>Data de libera\u00e7\u00e3o<\/td><\/tr>
iof<\/td>number<\/td>Sim<\/td>IOF<\/td><\/tr>
daily_rate<\/td>number<\/td>Sim<\/td>Taxa di\u00e1ria<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
9. signature  #<\/a><\/h3>\n\n\n\n
Informa\u00e7\u00f5es de aceite e assinatura.<\/p>\n\n\n\n
Campo<\/strong><\/td>Tipo<\/strong><\/td>Obrigat\u00f3rio<\/strong><\/td>Descri\u00e7\u00e3o<\/strong><\/td><\/tr>
biometry_analysis_reference<\/td>string<\/td>Sim<\/td>Refer\u00eancia biom\u00e9trica<\/td><\/tr>
ip_address<\/td>string<\/td>Sim<\/td>IP<\/td><\/tr>
score<\/td>number<\/td>Sim<\/td>Score<\/td><\/tr>
date<\/td>string<\/td>Sim<\/td>Data\/hora<\/td><\/tr>
geolocation.latitude<\/td>string<\/td>N\u00e3o<\/td>Latitude<\/td><\/tr>
geolocation.longitude<\/td>string<\/td>N\u00e3o<\/td>Longitude<\/td><\/tr>
hash<\/td>string<\/td>Sim<\/td>Hash de valida\u00e7\u00e3o<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
<\/p>\n\n\n\n
10. documents  #<\/a><\/h3>\n\n\n\n
A lista de documentos discutida para inclus\u00e3o na proposta inclui:<\/h5>\n\n\n\n
<\/p>\n\n\n\n
– Documento de identifica\u00e7\u00e3o oficial com foto (Frente e Verso):<\/p>\n\n\n\n