{"id":2045,"date":"2026-05-07T08:37:56","date_gmt":"2026-05-07T11:37:56","guid":{"rendered":"https:\/\/www.bancosemear.com.br\/docs\/?post_type=docs&#038;p=2045"},"modified":"2026-09-17T20:24:00","modified_gmt":"2026-09-17T23:24:00","slug":"simulacao-de-port-refin-inss","status":"publish","type":"docs","link":"https:\/\/www.bancosemear.com.br\/docs\/?docs=simulacao-de-port-refin-inss","title":{"rendered":"Simula\u00e7\u00e3o de Port + REFIN"},"content":{"rendered":"\n<h2 id=\"0-toc-title\" class=\"wp-block-heading\">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 REFIN<\/li>\n\n\n\n<li>Simula\u00e7\u00e3o \u2013 C\u00e1lculo de Parcelas &#8211; Portabilidade<\/li>\n\n\n\n<li>Estruturas de Erro<\/li>\n<\/ol>\n\n\n\n<h3 id=\"6-toc-title\" class=\"wp-block-heading\">1. Vis\u00e3o Geral da API<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 de portabilidade e refinanciamento.<\/p>\n\n\n\n<h5 id=\"1-toc-title\" class=\"wp-block-heading\">URL&#8217;s token<\/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:\/\/hmlapi2.bancosemear.com.br\/oauth\/access-token<\/a><\/li>\n\n\n\n<li><strong>Produ\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<h3 id=\"2-toc-title\" class=\"wp-block-heading\">2. Endpoints Dispon\u00edveis<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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\">api-simulation\/<\/a><a href=\"http:\/\/localhost:5167\/v2\/public\/simulation\/calcular-refinanciamento\"><\/a><a href=\"http:\/\/localhost:5167\/v2\/public\/simulation\/calcular-refinanciamento\">v2\/public\/simulation\/calcular-refinanciamento<\/a><\/td><td>&nbsp;POST<\/td><td>Calcula a opera\u00e7\u00e3o de REFIN<\/td><\/tr><tr><td><a href=\"https:\/\/hmlapi2.bancosemear.com.br\/api-simulation\/v1\/public\/simulation\/calcular-parcelas\">\/api-simulation\/v2\/public\/simulation\/calcular-portabilidade<\/a><\/td><td>POST<\/td><td>Calcula a opera\u00e7\u00e3o de PORT<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h3 id=\"2-toc-title\" class=\"wp-block-heading\">3. Simula\u00e7\u00e3o \u2013 C\u00e1lculo do REFIN<\/h3>\n\n\n\n<h3 id=\"6-toc-title\" class=\"wp-block-heading\">POST \/v2\/public\/simulation\/calcular-refinanciamento<\/h3>\n\n\n\n<h3 id=\"6-toc-title\" class=\"wp-block-heading\">Descri\u00e7\u00e3o<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Calcula o prazo com base na taxa de juros, parcela, datas da opera\u00e7\u00e3o e  saldo devedor do cliente<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par\u00e2metros considerados:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Saldo devedor<\/li>\n\n\n\n<li>Parcela<\/li>\n\n\n\n<li>Taxa mensal oferta (monthlyTax)<\/li>\n\n\n\n<li>Datas da opera\u00e7\u00e3o e do primeiro vencimento (operationDate)<\/li>\n\n\n\n<li>Data do Primeiro Desconto (firstDueDate)<\/li>\n<\/ul>\n\n\n\n<h4 id=\"6-toc-title\" class=\"wp-block-heading\">Headers Parameters<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">client_id<br>access_token<\/p>\n\n\n\n<h4 id=\"2-toc-title\" class=\"wp-block-heading\">Payload \u2013 CreateCreditCommand<\/h4>\n\n\n\n<pre class=\"wp-block-code\"><code>{\n  \"operationDate\": \"2026-09-17\",\n  \"firstDueDate\": \"2027-01-07\",\n  \"monthlyTax\": 1.54,\n  \"term\": 2,\n  \"outstandingBalanceAmount\": 19693.76,\n  \"installmentValue\": 300, \/\/Informar o valor da parcela caso o valor total financiado n\u00e3o informado.\n  \"amountFinanced\": 21374.45 \/\/Informar o valor total refinanciado caso o valor da parcela n\u00e3o informado.\n}<\/code><\/pre>\n\n\n\n<h5 id=\"8-toc-title\" class=\"wp-block-heading\">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>Formato\/precis\u00e3o<\/th><th>Descri\u00e7\u00e3o<\/th><\/tr><\/thead><tbody><tr><td>operationDate<\/td><td>string (date)<\/td><td>YYYY-MM-DD<\/td><td>Data da opera\u00e7\u00e3o<\/td><\/tr><tr><td>firstDueDate<\/td><td>string (date)<\/td><td>YYYY-MM-DD<\/td><td>Data do primeiro desconto. Sempre no dia 7.<br>Obs.: Obrigat\u00f3rio para car\u00eancia de no m\u00e1ximo 90 dias.<\/td><\/tr><tr><td>term<\/td><td>number<\/td><td>N\u00famero inteiro<\/td><td>N\u00famero de parcelas<\/td><\/tr><tr><td>monthlyTax<\/td><td>number<\/td><td>M\u00e1ximo de 4 casas decimais<\/td><td>Taxa nominal mensal (ex.: 1.09 = 1,09% a.m.).*<\/td><\/tr><tr><td>outstanding_balance_amount<\/td><td>number<\/td><td>M\u00e1ximo de 2 casas decimais<\/td><td>Saldo devedor do cliente<\/td><\/tr><tr><td>installmentValue<\/td><td>number<\/td><td>M\u00e1ximo de 2 casas decimais<\/td><td>Valor da parcela<br>OBS.: Informar o valor da parcela caso o valor financiado n\u00e3o informado.<\/td><\/tr><tr><td>amountFinanced<\/td><td>number<\/td><td>M\u00e1ximo de 2 casas decimais<\/td><td>Valor total refinanciado<br>OBS.: Informar o valor refinanciado caso o valor da parcela n\u00e3o informado.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">*A taxa inserida na API \u00e9 conforme taxa simulada sem o percentual, conforme exemplo acima.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Resposta \u2013 200 OK (exemplo)<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>{\n    \"multiSimulationId\": \"1bce09f2-1089-4cde-ba3d-84e5192bdba7\",\n    \"gracePeriod\": true,\n    \"simulations\": &#91;\n        {\n            \"id\": \"9f0f4970-859a-460d-a2d1-de3cfb37aa8d\",\n            \"simulationDate\": \"2026-09-17\",\n            \"financedAmount\": \"21573.68\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11150.22\",\n            \"annualRate\": \"20.1282\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"199.23\",\n            \"annualCET\": \"26.4654\",\n            \"monthlyCET\": \"1.9759\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11150.22\",\n                    \"installmentAmountCET\": \"11150.22\",\n                    \"termDays\": 51,\n                    \"cumulativeTermDays\": 51,\n                    \"installmentOutstandingBalance\": \"10983.41\",\n                    \"installmentAmortizationAmount\": \"10590.27\",\n                    \"installmentInterestAmount\": \"559.95\",\n                    \"installmentDailyIOF\": \"44.29\",\n                    \"installmentAdditionalIOF\": \"40.24\",\n                    \"totalIOF\": \"84.53\",\n                    \"currentInstallmentAmount\": \"10868.13\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11150.22\",\n                    \"installmentAmountCET\": \"11150.22\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 81,\n                    \"installmentOutstandingBalance\": \"-0.00\",\n                    \"installmentAmortizationAmount\": \"10983.41\",\n                    \"installmentInterestAmount\": \"166.81\",\n                    \"installmentDailyIOF\": \"72.95\",\n                    \"installmentAdditionalIOF\": \"41.74\",\n                    \"totalIOF\": \"114.69\",\n                    \"currentInstallmentAmount\": \"10705.55\"\n                }\n            ]\n        },\n        {\n            \"id\": \"4432e191-b58a-45f8-bb8b-cf77e147f52c\",\n            \"simulationDate\": \"2026-09-18\",\n            \"financedAmount\": \"21571.88\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11143.69\",\n            \"annualRate\": \"20.1282\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"197.43\",\n            \"annualCET\": \"26.5063\",\n            \"monthlyCET\": \"1.9787\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11143.69\",\n                    \"installmentAmountCET\": \"11143.69\",\n                    \"termDays\": 50,\n                    \"cumulativeTermDays\": 50,\n                    \"installmentOutstandingBalance\": \"10976.98\",\n                    \"installmentAmortizationAmount\": \"10594.90\",\n                    \"installmentInterestAmount\": \"548.79\",\n                    \"installmentDailyIOF\": \"43.44\",\n                    \"installmentAdditionalIOF\": \"40.26\",\n                    \"totalIOF\": \"83.70\",\n                    \"currentInstallmentAmount\": \"10867.23\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11143.69\",\n                    \"installmentAmountCET\": \"11143.69\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 80,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10976.98\",\n                    \"installmentInterestAmount\": \"166.71\",\n                    \"installmentDailyIOF\": \"72.01\",\n                    \"installmentAdditionalIOF\": \"41.71\",\n                    \"totalIOF\": \"113.72\",\n                    \"currentInstallmentAmount\": \"10704.65\"\n                }\n            ]\n        },\n        {\n            \"id\": \"9069da02-89b1-45c4-91a9-1a34de1d702c\",\n            \"simulationDate\": \"2026-09-19\",\n            \"financedAmount\": \"21570.08\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11137.16\",\n            \"annualRate\": \"20.1280\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"195.63\",\n            \"annualCET\": \"26.5482\",\n            \"monthlyCET\": \"1.9815\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11137.16\",\n                    \"installmentAmountCET\": \"11137.16\",\n                    \"termDays\": 49,\n                    \"cumulativeTermDays\": 49,\n                    \"installmentOutstandingBalance\": \"10970.55\",\n                    \"installmentAmortizationAmount\": \"10599.53\",\n                    \"installmentInterestAmount\": \"537.63\",\n                    \"installmentDailyIOF\": \"42.59\",\n                    \"installmentAdditionalIOF\": \"40.28\",\n                    \"totalIOF\": \"82.87\",\n                    \"currentInstallmentAmount\": \"10866.32\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11137.16\",\n                    \"installmentAmountCET\": \"11137.16\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 79,\n                    \"installmentOutstandingBalance\": \"-0.00\",\n                    \"installmentAmortizationAmount\": \"10970.55\",\n                    \"installmentInterestAmount\": \"166.61\",\n                    \"installmentDailyIOF\": \"71.07\",\n                    \"installmentAdditionalIOF\": \"41.69\",\n                    \"totalIOF\": \"112.76\",\n                    \"currentInstallmentAmount\": \"10703.76\"\n                }\n            ]\n        },\n        {\n            \"id\": \"37cea0a1-1451-4c70-9b2e-7a8faf041666\",\n            \"simulationDate\": \"2026-09-20\",\n            \"financedAmount\": \"21568.28\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11130.64\",\n            \"annualRate\": \"20.1282\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"193.83\",\n            \"annualCET\": \"26.5920\",\n            \"monthlyCET\": \"1.9844\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11130.64\",\n                    \"installmentAmountCET\": \"11130.64\",\n                    \"termDays\": 48,\n                    \"cumulativeTermDays\": 48,\n                    \"installmentOutstandingBalance\": \"10964.12\",\n                    \"installmentAmortizationAmount\": \"10604.16\",\n                    \"installmentInterestAmount\": \"526.48\",\n                    \"installmentDailyIOF\": \"41.74\",\n                    \"installmentAdditionalIOF\": \"40.30\",\n                    \"totalIOF\": \"82.04\",\n                    \"currentInstallmentAmount\": \"10865.41\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11130.64\",\n                    \"installmentAmountCET\": \"11130.64\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 78,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10964.12\",\n                    \"installmentInterestAmount\": \"166.52\",\n                    \"installmentDailyIOF\": \"70.13\",\n                    \"installmentAdditionalIOF\": \"41.66\",\n                    \"totalIOF\": \"111.79\",\n                    \"currentInstallmentAmount\": \"10702.87\"\n                }\n            ]\n        },\n        {\n            \"id\": \"92e89114-1379-4cec-b675-c9de4bc11889\",\n            \"simulationDate\": \"2026-09-21\",\n            \"financedAmount\": \"21566.48\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11124.12\",\n            \"annualRate\": \"20.1282\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"192.03\",\n            \"annualCET\": \"26.6368\",\n            \"monthlyCET\": \"1.9874\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11124.12\",\n                    \"installmentAmountCET\": \"11124.12\",\n                    \"termDays\": 47,\n                    \"cumulativeTermDays\": 47,\n                    \"installmentOutstandingBalance\": \"10957.70\",\n                    \"installmentAmortizationAmount\": \"10608.78\",\n                    \"installmentInterestAmount\": \"515.34\",\n                    \"installmentDailyIOF\": \"40.89\",\n                    \"installmentAdditionalIOF\": \"40.31\",\n                    \"totalIOF\": \"81.20\",\n                    \"currentInstallmentAmount\": \"10864.51\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11124.12\",\n                    \"installmentAmountCET\": \"11124.12\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 77,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10957.70\",\n                    \"installmentInterestAmount\": \"166.42\",\n                    \"installmentDailyIOF\": \"69.19\",\n                    \"installmentAdditionalIOF\": \"41.64\",\n                    \"totalIOF\": \"110.83\",\n                    \"currentInstallmentAmount\": \"10701.97\"\n                }\n            ]\n        },\n        {\n            \"id\": \"64b1fe3b-3508-4839-99d1-46097bb2bd4f\",\n            \"simulationDate\": \"2026-09-22\",\n            \"financedAmount\": \"21564.67\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11117.60\",\n            \"annualRate\": \"20.1282\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"190.22\",\n            \"annualCET\": \"26.6830\",\n            \"monthlyCET\": \"1.9905\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11117.60\",\n                    \"installmentAmountCET\": \"11117.60\",\n                    \"termDays\": 46,\n                    \"cumulativeTermDays\": 46,\n                    \"installmentOutstandingBalance\": \"10951.28\",\n                    \"installmentAmortizationAmount\": \"10613.39\",\n                    \"installmentInterestAmount\": \"504.21\",\n                    \"installmentDailyIOF\": \"40.03\",\n                    \"installmentAdditionalIOF\": \"40.33\",\n                    \"totalIOF\": \"80.36\",\n                    \"currentInstallmentAmount\": \"10863.60\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11117.60\",\n                    \"installmentAmountCET\": \"11117.60\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 76,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10951.28\",\n                    \"installmentInterestAmount\": \"166.32\",\n                    \"installmentDailyIOF\": \"68.25\",\n                    \"installmentAdditionalIOF\": \"41.61\",\n                    \"totalIOF\": \"109.86\",\n                    \"currentInstallmentAmount\": \"10701.07\"\n                }\n            ]\n        },\n        {\n            \"id\": \"f2a65979-6d39-45eb-a46d-67981b05aeb0\",\n            \"simulationDate\": \"2026-09-23\",\n            \"financedAmount\": \"21562.88\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11111.09\",\n            \"annualRate\": \"20.1280\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"188.43\",\n            \"annualCET\": \"26.7311\",\n            \"monthlyCET\": \"1.9938\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11111.09\",\n                    \"installmentAmountCET\": \"11111.09\",\n                    \"termDays\": 45,\n                    \"cumulativeTermDays\": 45,\n                    \"installmentOutstandingBalance\": \"10944.87\",\n                    \"installmentAmortizationAmount\": \"10618.01\",\n                    \"installmentInterestAmount\": \"493.08\",\n                    \"installmentDailyIOF\": \"39.18\",\n                    \"installmentAdditionalIOF\": \"40.35\",\n                    \"totalIOF\": \"79.53\",\n                    \"currentInstallmentAmount\": \"10862.69\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11111.09\",\n                    \"installmentAmountCET\": \"11111.09\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 75,\n                    \"installmentOutstandingBalance\": \"-0.00\",\n                    \"installmentAmortizationAmount\": \"10944.87\",\n                    \"installmentInterestAmount\": \"166.22\",\n                    \"installmentDailyIOF\": \"67.31\",\n                    \"installmentAdditionalIOF\": \"41.59\",\n                    \"totalIOF\": \"108.90\",\n                    \"currentInstallmentAmount\": \"10700.19\"\n                }\n            ]\n        },\n        {\n            \"id\": \"b51faa09-f177-4284-b6f1-4d87fc4879da\",\n            \"simulationDate\": \"2026-09-24\",\n            \"financedAmount\": \"21561.09\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11104.59\",\n            \"annualRate\": \"20.1282\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"186.64\",\n            \"annualCET\": \"26.7813\",\n            \"monthlyCET\": \"1.9971\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11104.59\",\n                    \"installmentAmountCET\": \"11104.59\",\n                    \"termDays\": 44,\n                    \"cumulativeTermDays\": 44,\n                    \"installmentOutstandingBalance\": \"10938.46\",\n                    \"installmentAmortizationAmount\": \"10622.63\",\n                    \"installmentInterestAmount\": \"481.96\",\n                    \"installmentDailyIOF\": \"38.33\",\n                    \"installmentAdditionalIOF\": \"40.37\",\n                    \"totalIOF\": \"78.70\",\n                    \"currentInstallmentAmount\": \"10861.79\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11104.59\",\n                    \"installmentAmountCET\": \"11104.59\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 74,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10938.46\",\n                    \"installmentInterestAmount\": \"166.13\",\n                    \"installmentDailyIOF\": \"66.37\",\n                    \"installmentAdditionalIOF\": \"41.57\",\n                    \"totalIOF\": \"107.94\",\n                    \"currentInstallmentAmount\": \"10699.30\"\n                }\n            ]\n        },\n        {\n            \"id\": \"79bc0143-9d3d-4512-9c9e-599b2104f380\",\n            \"simulationDate\": \"2026-09-25\",\n            \"financedAmount\": \"21559.29\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11098.08\",\n            \"annualRate\": \"20.1279\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"184.84\",\n            \"annualCET\": \"26.8322\",\n            \"monthlyCET\": \"2.0005\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11098.08\",\n                    \"installmentAmountCET\": \"11098.08\",\n                    \"termDays\": 43,\n                    \"cumulativeTermDays\": 43,\n                    \"installmentOutstandingBalance\": \"10932.05\",\n                    \"installmentAmortizationAmount\": \"10627.24\",\n                    \"installmentInterestAmount\": \"470.84\",\n                    \"installmentDailyIOF\": \"37.47\",\n                    \"installmentAdditionalIOF\": \"40.38\",\n                    \"totalIOF\": \"77.85\",\n                    \"currentInstallmentAmount\": \"10860.88\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11098.08\",\n                    \"installmentAmountCET\": \"11098.08\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 73,\n                    \"installmentOutstandingBalance\": \"-0.00\",\n                    \"installmentAmortizationAmount\": \"10932.05\",\n                    \"installmentInterestAmount\": \"166.03\",\n                    \"installmentDailyIOF\": \"65.44\",\n                    \"installmentAdditionalIOF\": \"41.54\",\n                    \"totalIOF\": \"106.98\",\n                    \"currentInstallmentAmount\": \"10698.41\"\n                }\n            ]\n        },\n        {\n            \"id\": \"a65c4cb0-f1ca-4a05-921f-c64d4a035f0a\",\n            \"simulationDate\": \"2026-09-26\",\n            \"financedAmount\": \"21557.50\",\n            \"requestedAmount\": \"21374.45\",\n            \"installmentAmount\": \"11091.59\",\n            \"annualRate\": \"20.1283\",\n            \"monthlyRate\": \"1.5400\",\n            \"dailyRate\": \"0.0503\",\n            \"operationIOF\": \"183.05\",\n            \"annualCET\": \"26.8862\",\n            \"monthlyCET\": \"2.0042\",\n            \"customerChangeAmount\": \"1680.69\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2026-11-07\",\n                    \"installmentAmount\": \"11091.59\",\n                    \"installmentAmountCET\": \"11091.59\",\n                    \"termDays\": 42,\n                    \"cumulativeTermDays\": 42,\n                    \"installmentOutstandingBalance\": \"10925.66\",\n                    \"installmentAmortizationAmount\": \"10631.84\",\n                    \"installmentInterestAmount\": \"459.75\",\n                    \"installmentDailyIOF\": \"36.62\",\n                    \"installmentAdditionalIOF\": \"40.40\",\n                    \"totalIOF\": \"77.02\",\n                    \"currentInstallmentAmount\": \"10859.98\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2026-12-07\",\n                    \"installmentAmount\": \"11091.59\",\n                    \"installmentAmountCET\": \"11091.59\",\n                    \"termDays\": 30,\n                    \"cumulativeTermDays\": 72,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10925.66\",\n                    \"installmentInterestAmount\": \"165.93\",\n                    \"installmentDailyIOF\": \"64.51\",\n                    \"installmentAdditionalIOF\": \"41.52\",\n                    \"totalIOF\": \"106.03\",\n                    \"currentInstallmentAmount\": \"10697.52\"\n                }\n            ]\n        }\n    ]\n}<\/code><\/pre>\n\n\n\n<h5 id=\"1-toc-title\" class=\"wp-block-heading\">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<h3 id=\"2-toc-title\" class=\"wp-block-heading\">4. Simula\u00e7\u00e3o \u2013 C\u00e1lculo de Parcelas &#8211; Portabilidade<\/h3>\n\n\n\n<h3 id=\"6-toc-title\" class=\"wp-block-heading\">POST \/v2\/public\/simulation\/calcular-portabilidade<\/h3>\n\n\n\n<h3 id=\"6-toc-title\" class=\"wp-block-heading\">Descri\u00e7\u00e3o<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">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 class=\"wp-block-paragraph\">Par\u00e2metros considerados:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valor do saldo devedor do cliente (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)<\/li>\n\n\n\n<li>Data do Primeiro Desconto (firstDueDate)<\/li>\n<\/ul>\n\n\n\n<h4 id=\"6-toc-title\" class=\"wp-block-heading\">Headers Parameters<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">client_id<br>access_token<\/p>\n\n\n\n<h4 id=\"2-toc-title\" class=\"wp-block-heading\">Payload \u2013 CreateInstallmentsCommand<\/h4>\n\n\n\n<pre class=\"wp-block-code\"><code>{\n  \"operationDate\": \"2025-12-17\",\n  \"firstDueDate\": \"2026-02-07\",\n  \"monthlyTax\": 0.00109,\n  \"term\": 10,\n  \"outstandingBalanceAmount\": 1000\n}<\/code><\/pre>\n\n\n\n<p class=\"wp-block-paragraph\">*A taxa inserida na API \u00e9 conforme taxa simulada sem o percentual, conforme exemplo acima.<\/p>\n\n\n\n<h4 id=\"3-toc-title\" class=\"wp-block-heading\">Campos obrigat\u00f3rios<\/h4>\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 desconto. Sempre no dia 7.<br>Obs.: Obrigat\u00f3rio para car\u00eancia de no m\u00e1ximo 90 dias.<\/td><\/tr><tr><td>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>outstandingBalanceAmount<\/td><td>number<\/td><td>Saldo devedor do cliente<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Resposta \u2013 200 OK (exemplo)<\/strong><\/p>\n\n\n\n<pre class=\"wp-block-code\"><code>{\n    \"multiSimulationId\": \"5e8fc6c4-cd83-4f9e-b2fb-5e063157a481\",\n    \"gracePeriod\": true,\n    \"simulations\": &#91;\n        {\n            \"id\": \"214f305a-317f-4ca8-96be-2a3e2a72a50b\",\n            \"simulationDate\": \"2026-09-17\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10530.97\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10530.97\",\n                    \"installmentAmountCET\": \"10530.97\",\n                    \"termDays\": 112,\n                    \"cumulativeTermDays\": 112,\n                    \"installmentOutstandingBalance\": \"10365.13\",\n                    \"installmentAmortizationAmount\": \"9328.63\",\n                    \"installmentInterestAmount\": \"1202.34\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10530.97\",\n                    \"installmentAmountCET\": \"10530.97\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 143,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10365.13\",\n                    \"installmentInterestAmount\": \"165.84\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"f11c0ff7-06be-492d-b684-d9ce0dea021f\",\n            \"simulationDate\": \"2026-09-18\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10525.40\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10525.40\",\n                    \"installmentAmountCET\": \"10525.40\",\n                    \"termDays\": 111,\n                    \"cumulativeTermDays\": 111,\n                    \"installmentOutstandingBalance\": \"10359.64\",\n                    \"installmentAmortizationAmount\": \"9334.12\",\n                    \"installmentInterestAmount\": \"1191.28\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10525.40\",\n                    \"installmentAmountCET\": \"10525.40\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 142,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10359.64\",\n                    \"installmentInterestAmount\": \"165.76\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"c0dcc25d-fb7b-43e6-9c33-e8652f033547\",\n            \"simulationDate\": \"2026-09-19\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10519.83\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10519.83\",\n                    \"installmentAmountCET\": \"10519.83\",\n                    \"termDays\": 110,\n                    \"cumulativeTermDays\": 110,\n                    \"installmentOutstandingBalance\": \"10354.16\",\n                    \"installmentAmortizationAmount\": \"9339.60\",\n                    \"installmentInterestAmount\": \"1180.23\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10519.83\",\n                    \"installmentAmountCET\": \"10519.83\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 141,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10354.16\",\n                    \"installmentInterestAmount\": \"165.67\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"f7fd5606-afa3-49ae-a56f-1eb7f5b94d36\",\n            \"simulationDate\": \"2026-09-20\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10514.27\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10514.27\",\n                    \"installmentAmountCET\": \"10514.27\",\n                    \"termDays\": 109,\n                    \"cumulativeTermDays\": 109,\n                    \"installmentOutstandingBalance\": \"10348.68\",\n                    \"installmentAmortizationAmount\": \"9345.08\",\n                    \"installmentInterestAmount\": \"1169.19\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10514.27\",\n                    \"installmentAmountCET\": \"10514.27\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 140,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10348.68\",\n                    \"installmentInterestAmount\": \"165.59\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"cf07c870-87de-4ee9-a624-c2acb33c988d\",\n            \"simulationDate\": \"2026-09-21\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10508.70\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10508.70\",\n                    \"installmentAmountCET\": \"10508.70\",\n                    \"termDays\": 108,\n                    \"cumulativeTermDays\": 108,\n                    \"installmentOutstandingBalance\": \"10343.22\",\n                    \"installmentAmortizationAmount\": \"9350.54\",\n                    \"installmentInterestAmount\": \"1158.16\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10508.70\",\n                    \"installmentAmountCET\": \"10508.70\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 139,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10343.22\",\n                    \"installmentInterestAmount\": \"165.48\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"7baf492f-bacc-4317-b3b1-079d73217b32\",\n            \"simulationDate\": \"2026-09-22\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10503.15\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10503.15\",\n                    \"installmentAmountCET\": \"10503.15\",\n                    \"termDays\": 107,\n                    \"cumulativeTermDays\": 107,\n                    \"installmentOutstandingBalance\": \"10337.74\",\n                    \"installmentAmortizationAmount\": \"9356.02\",\n                    \"installmentInterestAmount\": \"1147.13\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10503.15\",\n                    \"installmentAmountCET\": \"10503.15\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 138,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10337.74\",\n                    \"installmentInterestAmount\": \"165.41\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"a3288e49-1ebd-4a43-a336-20dd6f170b31\",\n            \"simulationDate\": \"2026-09-23\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10497.59\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10497.59\",\n                    \"installmentAmountCET\": \"10497.59\",\n                    \"termDays\": 106,\n                    \"cumulativeTermDays\": 106,\n                    \"installmentOutstandingBalance\": \"10332.27\",\n                    \"installmentAmortizationAmount\": \"9361.49\",\n                    \"installmentInterestAmount\": \"1136.10\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10497.59\",\n                    \"installmentAmountCET\": \"10497.59\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 137,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10332.27\",\n                    \"installmentInterestAmount\": \"165.32\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"437e6d0c-df30-42a3-96e3-40acd9140680\",\n            \"simulationDate\": \"2026-09-24\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10492.04\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10492.04\",\n                    \"installmentAmountCET\": \"10492.04\",\n                    \"termDays\": 105,\n                    \"cumulativeTermDays\": 105,\n                    \"installmentOutstandingBalance\": \"10326.80\",\n                    \"installmentAmortizationAmount\": \"9366.96\",\n                    \"installmentInterestAmount\": \"1125.08\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10492.04\",\n                    \"installmentAmountCET\": \"10492.04\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 136,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10326.80\",\n                    \"installmentInterestAmount\": \"165.24\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"246aa5d2-8871-4313-9ed1-d7aa78576fdf\",\n            \"simulationDate\": \"2026-09-25\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10486.49\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10486.49\",\n                    \"installmentAmountCET\": \"10486.49\",\n                    \"termDays\": 104,\n                    \"cumulativeTermDays\": 104,\n                    \"installmentOutstandingBalance\": \"10321.34\",\n                    \"installmentAmortizationAmount\": \"9372.42\",\n                    \"installmentInterestAmount\": \"1114.07\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10486.49\",\n                    \"installmentAmountCET\": \"10486.49\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 135,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10321.34\",\n                    \"installmentInterestAmount\": \"165.15\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        },\n        {\n            \"id\": \"64b6ab2d-32ba-46c5-8b4e-d39c9966397f\",\n            \"simulationDate\": \"2026-09-26\",\n            \"financedAmount\": \"19693.76\",\n            \"requestedAmount\": \"19693.76\",\n            \"installmentAmount\": \"10480.94\",\n            \"annualRate\": \"20.9830\",\n            \"monthlyRate\": \"1.6000\",\n            \"dailyRate\": \"0.0529\",\n            \"operationIOF\": \"0.00\",\n            \"annualCET\": \"20.9830\",\n            \"monthlyCET\": \"1.6000\",\n            \"installments\": &#91;\n                {\n                    \"installmentNumber\": 1,\n                    \"dueDate\": \"2027-01-07\",\n                    \"installmentAmount\": \"10480.94\",\n                    \"installmentAmountCET\": \"10480.94\",\n                    \"termDays\": 103,\n                    \"cumulativeTermDays\": 103,\n                    \"installmentOutstandingBalance\": \"10315.89\",\n                    \"installmentAmortizationAmount\": \"9377.87\",\n                    \"installmentInterestAmount\": \"1103.07\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9925.03\"\n                },\n                {\n                    \"installmentNumber\": 2,\n                    \"dueDate\": \"2027-02-07\",\n                    \"installmentAmount\": \"10480.94\",\n                    \"installmentAmountCET\": \"10480.94\",\n                    \"termDays\": 31,\n                    \"cumulativeTermDays\": 134,\n                    \"installmentOutstandingBalance\": \"0.00\",\n                    \"installmentAmortizationAmount\": \"10315.89\",\n                    \"installmentInterestAmount\": \"165.05\",\n                    \"installmentDailyIOF\": \"0.00\",\n                    \"installmentAdditionalIOF\": \"0.00\",\n                    \"totalIOF\": \"0.00\",\n                    \"currentInstallmentAmount\": \"9768.73\"\n                }\n            ]\n        }\n    ]\n}<\/code><\/pre>\n\n\n\n<h5 id=\"1-toc-title\" class=\"wp-block-heading\">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>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<h3 id=\"0-toc-title\" class=\"wp-block-heading\">5. Estruturas de Erro<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><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 class=\"wp-block-paragraph\"><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","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 de portabilidade e refinanciamento. URL&#8217;s token 2. Endpoints Dispon\u00edveis A API possui dois endpoints principais: Endpoint M\u00e9todo Fun\u00e7\u00e3o \/api-simulation\/v2\/public\/simulation\/calcular-refinanciamento &nbsp;POST Calcula a opera\u00e7\u00e3o de REFIN \/api-simulation\/v2\/public\/simulation\/calcular-portabilidade POST Calcula a opera\u00e7\u00e3o de PORT &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.bancosemear.com.br\/docs\/?docs=simulacao-de-port-refin-inss\"> <span class=\"screen-reader-text\">Simula\u00e7\u00e3o de Port + REFIN<\/span> Leia mais &raquo;<\/a><\/p>\n","protected":false},"author":26,"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":[61],"doc_tag":[],"class_list":["post-2045","docs","type-docs","status-publish","hentry","doc_category-portabilidade-e-refinanciamento"],"_links":{"self":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/2045","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\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2045"}],"version-history":[{"count":18,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/2045\/revisions"}],"predecessor-version":[{"id":2316,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/2045\/revisions\/2316"}],"wp:attachment":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2045"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_category&post=2045"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_tag&post=2045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}