{"id":2148,"date":"2026-07-01T17:52:39","date_gmt":"2026-07-01T20:52:39","guid":{"rendered":"https:\/\/www.bancosemear.com.br\/docs\/?post_type=docs&#038;p=2148"},"modified":"2026-10-01T23:18:56","modified_gmt":"2026-10-02T02:18:56","slug":"multissimulacao-de-emprestimo-inss","status":"publish","type":"docs","link":"https:\/\/www.bancosemear.com.br\/docs\/?docs=multissimulacao-de-emprestimo-inss","title":{"rendered":"Multissimula\u00e7\u00e3o de Empr\u00e9stimo INSS"},"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>Multissimula\u00e7\u00e3o \u2013 C\u00e1lculo do Valor de Cr\u00e9dito<\/li>\n\n\n\n<li>Multissimula\u00e7\u00e3o \u2013 C\u00e1lculo de Parcelas<\/li>\n\n\n\n<li>Estruturas de Erro<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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 Multissimula\u00e7\u00e3o \u00e9 respons\u00e1vel por executar c\u00e1lculos financeiros de opera\u00e7\u00f5es de cr\u00e9dito, expondo endpoints que retornam m\u00faltiplas simula\u00e7\u00f5es utilizando as mesmas regras da API de Simula\u00e7\u00e3o. Para cada <em>operationDate<\/em> informado, s\u00e3o geradas tr\u00eas simula\u00e7\u00f5es: uma para a data informada e duas para os dias subsequentes.<\/p>\n\n\n\n<h5 id=\"4-toc-title\" class=\"wp-block-heading\">Escopo:<\/h5>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00e1lculo de m\u00faltiplos valores de cr\u00e9dito (valor financiado e valor solicitado) a partir do valor da parcela, retornando simula\u00e7\u00f5es para a data de opera\u00e7\u00e3o informada (<em>operationDate<\/em>) e para os dois dias subsequentes.<\/li>\n\n\n\n<li>C\u00e1lculo de m\u00faltiplos fluxos de pagamento (parcelas) a partir de um valor financiado, retornando simula\u00e7\u00f5es para a data de opera\u00e7\u00e3o informada (<em>operationDate<\/em>) e para os dois dias subsequentes.<\/li>\n\n\n\n<li>Retorno do IOF, das taxas efetivas e do detalhamento das parcelas para cada simula\u00e7\u00e3o gerada.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/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<p class=\"wp-block-paragraph\"><\/p>\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\/v2\/public\/simulation\/calcular-valor-credito<\/a><\/td><td>&nbsp;POST<\/td><td>Calcula m\u00faltiplas simula\u00e7\u00f5es de cr\u00e9dito com base na taxa de juros, prazo, datas e valor da parcela, retornando os resultados para a data de opera\u00e7\u00e3o informada (<em>operationDate<\/em>) e para os dois dias subsequentes.<\/td><\/tr><tr><td><a href=\"https:\/\/hmlapi2.bancosemear.com.br\/api-simulation\/v1\/public\/simulation\/calcular-parcelas\">\/api-simulation\/v2\/public\/simulation\/calcular-parcelas<\/a><\/td><td>POST<\/td><td>Calcula m\u00faltiplas parcelas (fluxos de pagamento) com base na taxa de juros, prazo, datas e valor financiado, retornando os resultados para a data de opera\u00e7\u00e3o informada (<em>operationDate<\/em>) e para os dois dias subsequentes.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 id=\"2-toc-title\" class=\"wp-block-heading\">3. Multissimula\u00e7\u00e3o \u2013 C\u00e1lculo do Valor de Cr\u00e9dito<\/h3>\n\n\n\n<h3 id=\"6-toc-title\" class=\"wp-block-heading\">POST \/v2\/public\/simulation\/calcular-valor-credito<\/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 os valores financiado e solicitado com base na taxa de juros, prazo, datas da opera\u00e7\u00e3o e valor da parcela informada, retornando m\u00faltiplas simula\u00e7\u00f5es para a data de opera\u00e7\u00e3o informada (<em>operationDate<\/em>) e para os dois dias subsequentes.<\/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 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 (<em>operationDate<\/em>)<\/li>\n\n\n\n<li>Dia do Primeiro Desconto (firstDueDate)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\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\": \"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<h3 class=\"wp-block-heading\">Car\u00eancia (Primeiro Vencimento)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O primeiro vencimento das opera\u00e7\u00f5es cai <strong>sempre no dia 07<\/strong>. O m\u00eas em que ele cai \u00e9 definido pela <strong>compet\u00eancia vigente<\/strong>, que por sua vez segue os <strong>cortes da Dataprev<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O campo firstDueDate permite postergar esse primeiro vencimento, habilitando a simula\u00e7\u00e3o <strong>com car\u00eancia<\/strong> de 30, 60 ou 90 dias.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Como funciona:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sem firstDueDate, a API calcula o primeiro vencimento pela compet\u00eancia vigente (m\u00eas corrente da opera\u00e7\u00e3o).<\/li>\n\n\n\n<li>Informando firstDueDate, a simula\u00e7\u00e3o \u00e9 gerada para a data de vencimento escolhida \u2014 sempre no dia 07 \u2014 o que corresponde \u00e0 car\u00eancia de 30, 60 ou 90 dias a partir do primeiro vencimento base.<\/li>\n\n\n\n<li>A car\u00eancia \u00e9 limitada a <strong>90 dias<\/strong> (no m\u00e1ximo 3 compet\u00eancias \u00e0 frente).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemplo:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compet\u00eancia vigente: 10\/2026<\/li>\n\n\n\n<li>Data da opera\u00e7\u00e3o: 21\/09\/2026<\/li>\n\n\n\n<li>Cortes Dataprev: 02\/09\/2026, 02\/10\/2026, 04\/11\/2026, 02\/12\/2026<\/li>\n\n\n\n<li>Toda simula\u00e7\u00e3o feita at\u00e9 02\/10\/2026 permanece na compet\u00eancia 10\/2026, com primeiro vencimento em 07\/11\/2026.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Car\u00eancia<\/th><th>firstDueDate<\/th><th>Primeiro vencimento<\/th><\/tr><\/thead><tbody><tr><td>Sem car\u00eancia<\/td><td>(n\u00e3o enviar)<\/td><td>07\/11\/2026<\/td><\/tr><tr><td>30 dias<\/td><td>2026-12-07<\/td><td>07\/12\/2026<\/td><\/tr><tr><td>60 dias<\/td><td>2027-01-07<\/td><td>07\/01\/2027<\/td><\/tr><tr><td>90 dias<\/td><td>2027-02-07<\/td><td>07\/02\/2027<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Observa\u00e7\u00e3o:<\/strong> quando firstDueDate n\u00e3o \u00e9 enviado, o primeiro vencimento \u00e9 calculado com base no m\u00eas vigente (ex.: 07\/11\/2026 no exemplo acima). No retorno, o campo gracePeriod indica se a simula\u00e7\u00e3o foi gerada com car\u00eancia (true) ou sem car\u00eancia (false).<\/p>\n<\/blockquote>\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>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-07).<br>Obs.: Sempre no dia 07<\/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 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\": \"00000000-0000-0000-0000-000000000000\",\n    \"gracePeriod\": bool,    \n    \"simulations\": &#91;\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        {\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        {\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    ]\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\n\n\n<li>gracePeriod (Se tem car\u00eancia ou n\u00e3o)<\/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<\/h3>\n\n\n\n<h3 id=\"6-toc-title\" class=\"wp-block-heading\">POST \/v2\/public\/simulation\/calcular-parcelas<\/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, retornando tr\u00eas simula\u00e7\u00f5es para a data de opera\u00e7\u00e3o informada (<em>operationDate<\/em>) e para os dois dias subsequentes.<\/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 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 (<em>operationDate <\/em>\/ <em>firstDueDate<\/em>)<\/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\": \"2026-01-17\", \n  \"monthlyTax\": 1.09,\n  \"term\": 10, \n  \"amountFinanced\": 5000 \n} <\/code><\/pre>\n\n\n\n<h3 class=\"wp-block-heading\">Car\u00eancia (Primeiro Vencimento)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">O primeiro vencimento das opera\u00e7\u00f5es cai <strong>sempre no dia 07<\/strong>. O m\u00eas em que ele cai \u00e9 definido pela <strong>compet\u00eancia vigente<\/strong>, que por sua vez segue os <strong>cortes da Dataprev<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O campo firstDueDate permite postergar esse primeiro vencimento, habilitando a simula\u00e7\u00e3o <strong>com car\u00eancia<\/strong> de 30, 60 ou 90 dias.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Como funciona:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Sem firstDueDate, a API calcula o primeiro vencimento pela compet\u00eancia vigente (m\u00eas corrente da opera\u00e7\u00e3o).<\/li>\n\n\n\n<li>Informando firstDueDate, a simula\u00e7\u00e3o \u00e9 gerada para a data de vencimento escolhida \u2014 sempre no dia 07 \u2014 o que corresponde \u00e0 car\u00eancia de 30, 60 ou 90 dias a partir do primeiro vencimento base.<\/li>\n\n\n\n<li>A car\u00eancia \u00e9 limitada a <strong>90 dias<\/strong> (no m\u00e1ximo 3 compet\u00eancias \u00e0 frente).<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Exemplo:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compet\u00eancia vigente: 10\/2026<\/li>\n\n\n\n<li>Data da opera\u00e7\u00e3o: 21\/09\/2026<\/li>\n\n\n\n<li>Cortes Dataprev: 02\/09\/2026, 02\/10\/2026, 04\/11\/2026, 02\/12\/2026<\/li>\n\n\n\n<li>Toda simula\u00e7\u00e3o feita at\u00e9 02\/10\/2026 permanece na compet\u00eancia 10\/2026, com primeiro vencimento em 07\/11\/2026.<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Car\u00eancia<\/th><th>firstDueDate<\/th><th>Primeiro vencimento<\/th><\/tr><\/thead><tbody><tr><td>Sem car\u00eancia<\/td><td>(n\u00e3o enviar)<\/td><td>07\/11\/2026<\/td><\/tr><tr><td>30 dias<\/td><td>2026-12-07<\/td><td>07\/12\/2026<\/td><\/tr><tr><td>60 dias<\/td><td>2027-01-07<\/td><td>07\/01\/2027<\/td><\/tr><tr><td>90 dias<\/td><td>2027-02-07<\/td><td>07\/02\/2027<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Observa\u00e7\u00e3o:<\/strong> quando firstDueDate n\u00e3o \u00e9 enviado, o primeiro vencimento \u00e9 calculado com base no m\u00eas vigente (ex.: 07\/11\/2026 no exemplo acima). No retorno, o campo gracePeriod indica se a simula\u00e7\u00e3o foi gerada com car\u00eancia (true) ou sem car\u00eancia (false).<\/p>\n<\/blockquote>\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>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-07).<br>Obs.: Sempre no dia 07.<\/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 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\": \"00000000-0000-0000-0000-000000000000\",\n    \"gracePeriod\": bool,\n    \"simulations\": &#91;\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        {\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        {\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    ]\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>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 class=\"wp-block-paragraph\"><\/p>\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\">Este passo tem por finalidade atualizar uma cobran\u00e7a PIX imediato.<\/p>\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\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sum\u00e1rio 1. Vis\u00e3o Geral da API A API de Multissimula\u00e7\u00e3o \u00e9 respons\u00e1vel por executar c\u00e1lculos financeiros de opera\u00e7\u00f5es de cr\u00e9dito, expondo endpoints que retornam m\u00faltiplas simula\u00e7\u00f5es utilizando as mesmas regras da API de Simula\u00e7\u00e3o. Para cada operationDate informado, s\u00e3o geradas tr\u00eas simula\u00e7\u00f5es: uma para a data informada e duas para os dias subsequentes. Escopo: URL&#8217;s &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.bancosemear.com.br\/docs\/?docs=multissimulacao-de-emprestimo-inss\"> <span class=\"screen-reader-text\">Multissimula\u00e7\u00e3o de Empr\u00e9stimo INSS<\/span> Leia mais &raquo;<\/a><\/p>\n","protected":false},"author":23,"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":[60],"doc_tag":[],"class_list":["post-2148","docs","type-docs","status-publish","hentry","doc_category-contrato-novo-margem-livre"],"_links":{"self":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/2148","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\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=2148"}],"version-history":[{"count":17,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/2148\/revisions"}],"predecessor-version":[{"id":2334,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/2148\/revisions\/2334"}],"wp:attachment":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=2148"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_category&post=2148"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_tag&post=2148"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}