A funcionalidade de Múltiplas Datas de Desembolso permite criar uma operação de Crédito do Trabalhador considerando diferentes possibilidades de data para realização do desembolso.
Com essa funcionalidade, é possível definir uma data máxima de desembolso para a operação. A Celcoin calcula as condições financeiras considerando as datas disponíveis dentro desse período, permitindo que sejam aplicadas as condições correspondentes à data em que o desembolso for realizado.
DisponibilidadeAtualmente, a funcionalidade está disponível para operações que atendam aos seguintes critérios:
- Crédito do Trabalhador — Crédito Novo;
- Operações sem garantias de FGTS: saldo FGTS, multa rescisória ou verbas rescisórias;
- Cálculo realizado pela Celcoin.
Como funciona
Com Múltiplas Datas de Desembolso, é possível estabelecer uma data máxima para que o desembolso aconteça.
A partir dessa informação, a Celcoin calcula previamente as condições financeiras correspondentes às possíveis datas de desembolso.
Durante o processamento da operação, quando a data aplicável ao desembolso for definida, serão consideradas as condições financeiras correspondentes a essa data.
Fluxo resumido
1. Habilitação do produto
O produto é configurado para utilização de Múltiplas Datas de Desembolso.
2. Cálculo
São calculadas as condições financeiras considerando as possíveis datas de desembolso.
3. Criação da operação
A operação é criada informando a data máxima prevista para o desembolso.
4. Contratação e averbação
A operação segue o fluxo de contratação e averbação do Crédito do Trabalhador.
5. Definição da data aplicável
É definida a data aplicável ao desembolso da operação.
6. Atualização das condições financeiras
A operação passa a considerar as condições financeiras correspondentes à data definida.
7. Desembolso
A operação segue para a realização de um único desembolso.
Setup
Para utilizar Múltiplas Datas de Desembolso, o produto deve estar previamente habilitado para a funcionalidade.
Caso o seu produto ainda não esteja configurado, entre em contato com o CS responsável pela sua conta para solicitar a habilitação.
Criação da operação
Para criar uma operação utilizando Múltiplas Datas de Desembolso, informe em disbursement_date a data máxima prevista para realização do desembolso.
A operação deve utilizar um produto previamente habilitado para a funcionalidade.
Request (Simulação)
{
"product": {
"id": "7b7b3de4-35bb-402c-aae5-70a6caf679ad"
},
"funding": {
"id": "b31aed64-da82-4c2e-b5e3-dfd1f808bb55"
},
"borrower": {
"id": "806167fa-e2df-49da-b58a-3ca4e3e09e0a"
},
"balance_check_id": "1710afa8-8200-4538-97ea-5bb312eddf52",
"requested_amount": 1000.00,
"num_payments": 12,
"interest_rate": 0.0498,
"tac_amount": 0,
"finance_fee": 0,
"schedule_type": "MONTHLY",
"amortization_type": "PRICE",
"iof_type": "PERSON",
"interest_compounding_type": "COMPOUND",
"disbursement_date": "2026-11-10",
"first_payment_date": "2027-01-28",
"requested_amount": 1000,
"insurance_amount_cet_limit_enabled": true
}Campos específicos
| Campo | Tipo | Descrição |
|---|---|---|
disbursement_date | Date | Para produtos habilitados para Múltiplas Datas de Desembolso, representa a data máxima prevista para realização do desembolso. |
first_payment_date | Date | Data prevista para pagamento da primeira parcela. Deve respeitar o calendário aplicável ao Crédito do Trabalhador. |
insurance_amount_cet_limit_enabled | Boolean | Quando true, calcula automaticamente o maior valor de seguro permitido pelo limite de CET. Quando false ou não informado, mantém o comportamento atual. |
Os demais campos seguem as regras disponíveis na documentação de Criação de Operação do Crédito do Trabalhador.
Importante: para produtos habilitados para Múltiplas Datas de Desembolso, o valor informado em disbursement_date representa inicialmente a data máxima prevista para realização do desembolso. Após a averbação, esse campo será atualizado para refletir a data aplicável ao desembolso da operação.
Regras para cálculo automático do seguro
Quando insurance_amount_cet_limit_enabled=true:
- A Celcoin calcula automaticamente o maior valor de seguro permitido pelo limite de CET.
- O CET deve respeitar o limite de 1 ponto percentual acima da taxa de juros mensal contratual.
- O campo
insurance_amountnão pode ser informado manualmente na mesma requisição. - Caso não exista margem disponível para inclusão do seguro, o valor calculado poderá ser
0.00. - A regra é aplicada na simulação e na criação da operação.
Quando o parâmetro for false ou não informado, o seguro não será calculado automaticamente.
Response (Simulação)
O retorno da criação da operação apresenta as condições financeiras calculadas e o detalhamento das possibilidades de desembolso.
{
"id": "0e40fe0c-9186-414f-9b5d-51662b1c1e0b",
"expiration_date": "2026-11-05T23:59:59.027651708Z",
"total_processing_cost": 73.11,
"annual_interest_rate": 0.791756,
"annual_effective_interest_rate": 1.00759,
"monthly_effective_interest_rate": 0.059798,
"iof_amount": 23.78,
"finance_fee": 0,
"interest_rate": 0.0498,
"tac_amount": 0,
"discount_amount": 0,
"borrower_id": null,
"product_id": "7b7b3de4-35bb-402c-aae5-70a6caf679ad",
"discount_rate": 0.0,
"total_amount_owed": 1566.36,
"financed_amount": 1073.11,
"iof_daily_rate": 0.000082,
"iof_base_rate": 0.0038,
"daily_rate": null,
"requested_amount": 1000,
"payment_amount": 130.53,
"disbursement_amount": 1000.0,
"num_periods": 12,
"first_payment_date": "2027-01-28",
"issue_date": "2026-11-05",
"disbursement_date": "2026-11-10",
"created_at": "2026-11-05T14:44:23.025209372Z",
"schedule": [
{"payment": 130.53, "iof": 1.19, "balance": 1073.11, "interest": 15.48, "principal": 115.05, "additional_value": 0.0, "present_value": null, "status": null, "period": 1, "running_day": 79, "late_day": null, "paid_value": null, "payment_date": "2027-01-28"},
{"payment": 130.53, "iof": 1.41, "balance": 958.06, "interest": 21.04, "principal": 109.49, "additional_value": 0.0, "present_value": null, "status": null, "period": 2, "running_day": 110, "late_day": null, "paid_value": null, "payment_date": "2027-02-28"},
{"payment": 130.53, "iof": 1.58, "balance": 848.57, "interest": 25.83, "principal": 104.7, "additional_value": 0.0, "present_value": null, "status": null, "period": 3, "running_day": 138, "late_day": null, "paid_value": null, "payment_date": "2027-03-28"},
{"payment": 130.53, "iof": 1.76, "balance": 743.87, "interest": 30.89, "principal": 99.64, "additional_value": 0.0, "present_value": null, "status": null, "period": 4, "running_day": 169, "late_day": null, "paid_value": null, "payment_date": "2027-04-28"},
{"payment": 130.53, "iof": 1.91, "balance": 644.23, "interest": 35.55, "principal": 94.98, "additional_value": 0.0, "present_value": null, "status": null, "period": 5, "running_day": 199, "late_day": null, "paid_value": null, "payment_date": "2027-05-28"},
{"payment": 130.53, "iof": 2.04, "balance": 549.25, "interest": 40.14, "principal": 90.39, "additional_value": 0.0, "present_value": null, "status": null, "period": 6, "running_day": 230, "late_day": null, "paid_value": null, "payment_date": "2027-06-28"},
{"payment": 130.53, "iof": 2.17, "balance": 458.86, "interest": 44.37, "principal": 86.16, "additional_value": 0.0, "present_value": null, "status": null, "period": 7, "running_day": 260, "late_day": null, "paid_value": null, "payment_date": "2027-07-28"},
{"payment": 130.53, "iof": 2.27, "balance": 372.7, "interest": 48.54, "principal": 81.99, "additional_value": 0.0, "present_value": null, "status": null, "period": 8, "running_day": 291, "late_day": null, "paid_value": null, "payment_date": "2027-08-28"},
{"payment": 130.53, "iof": 2.36, "balance": 290.71, "interest": 52.5, "principal": 78.03, "additional_value": 0.0, "present_value": null, "status": null, "period": 9, "running_day": 322, "late_day": null, "paid_value": null, "payment_date": "2027-09-28"},
{"payment": 130.53, "iof": 2.43, "balance": 212.68, "interest": 56.15, "principal": 74.38, "additional_value": 0.0, "present_value": null, "status": null, "period": 10, "running_day": 352, "late_day": null, "paid_value": null, "payment_date": "2027-10-28"},
{"payment": 130.53, "iof": 2.39, "balance": 138.3, "interest": 59.75, "principal": 70.78, "additional_value": 0.0, "present_value": null, "status": null, "period": 11, "running_day": 383, "late_day": null, "paid_value": null, "payment_date": "2027-11-28"},
{"payment": 130.53, "iof": 2.27, "balance": 67.52, "interest": 63.01, "principal": 67.52, "additional_value": 0.0, "present_value": null, "status": null, "period": 12, "running_day": 413, "late_day": null, "paid_value": null, "payment_date": "2027-12-28"}
],
"schedule_type": "MONTHLY",
"borrower_type": null,
"amortization_type": "PRICE",
"amortization_version": "V1",
"interest_compounding_type": "COMPOUND",
"financed_iof": true,
"last_payment_date": "2027-12-28",
"interest_pre_type": "BASE_365",
"amortization_frequency": "MONTHLY",
"grace_period_amortization": [],
"interest_rate_frequency": "MONTHLY",
"validation_errors": null,
"insurance_amount": 49.33,
"insurance_amount_cet_limit": 49.33,
"equated_monthly_installment": 56.1,
"multiple_disbursements_details": [
{
"disbursement_date": "2026-11-05",
"first_payment_date": "2027-01-28",
"loan_details": {
"total_processing_cost": 73.48,
"annual_interest_rate": 0.791756,
"interest_rate": 0.0498,
"annual_effective_interest_rate": 1.003907,
"monthly_effective_interest_rate": 0.059635,
"total_amount_owed": 1579.56,
"disbursement_amount": 1000.0,
"discount_amount": 0,
"discount_rate": 0.0,
"financed_amount": 1073.48,
"iof_daily_rate": 0.000082,
"iof_amount": 24.15,
"iof_base_rate": 0.0038,
"payment_amount": 131.63,
"issue_date": "2026-11-05",
"schedule": [
{"payment": 131.63, "iof": 1.23, "balance": 1073.48, "interest": 16.53, "principal": 115.1, "additional_value": 0.0, "present_value": null, "status": null, "period": 1, "running_day": 84, "late_day": null, "paid_value": null, "payment_date": "2027-01-28"},
{"payment": 131.63, "iof": 1.45, "balance": 958.38, "interest": 22.09, "principal": 109.54, "additional_value": 0.0, "present_value": null, "status": null, "period": 2, "running_day": 115, "late_day": null, "paid_value": null, "payment_date": "2027-02-28"},
{"payment": 131.63, "iof": 1.63, "balance": 848.84, "interest": 26.89, "principal": 104.74, "additional_value": 0.0, "present_value": null, "status": null, "period": 3, "running_day": 143, "late_day": null, "paid_value": null, "payment_date": "2027-03-28"},
{"payment": 131.63, "iof": 1.8, "balance": 744.1, "interest": 31.95, "principal": 99.68, "additional_value": 0.0, "present_value": null, "status": null, "period": 4, "running_day": 174, "late_day": null, "paid_value": null, "payment_date": "2027-04-28"},
{"payment": 131.63, "iof": 1.95, "balance": 644.42, "interest": 36.61, "principal": 95.02, "additional_value": 0.0, "present_value": null, "status": null, "period": 5, "running_day": 204, "late_day": null, "paid_value": null, "payment_date": "2027-05-28"},
{"payment": 131.63, "iof": 2.08, "balance": 549.4, "interest": 41.21, "principal": 90.42, "additional_value": 0.0, "present_value": null, "status": null, "period": 6, "running_day": 235, "late_day": null, "paid_value": null, "payment_date": "2027-06-28"},
{"payment": 131.63, "iof": 2.2, "balance": 458.98, "interest": 45.44, "principal": 86.19, "additional_value": 0.0, "present_value": null, "status": null, "period": 7, "running_day": 265, "late_day": null, "paid_value": null, "payment_date": "2027-07-28"},
{"payment": 131.63, "iof": 2.3, "balance": 372.79, "interest": 49.6, "principal": 82.03, "additional_value": 0.0, "present_value": null, "status": null, "period": 8, "running_day": 296, "late_day": null, "paid_value": null, "payment_date": "2027-08-28"},
{"payment": 131.63, "iof": 2.39, "balance": 290.76, "interest": 53.57, "principal": 78.06, "additional_value": 0.0, "present_value": null, "status": null, "period": 9, "running_day": 327, "late_day": null, "paid_value": null, "payment_date": "2027-09-28"},
{"payment": 131.63, "iof": 2.46, "balance": 212.7, "interest": 57.22, "principal": 74.41, "additional_value": 0.0, "present_value": null, "status": null, "period": 10, "running_day": 357, "late_day": null, "paid_value": null, "payment_date": "2027-10-28"},
{"payment": 131.63, "iof": 2.39, "balance": 138.29, "interest": 60.82, "principal": 70.81, "additional_value": 0.0, "present_value": null, "status": null, "period": 11, "running_day": 388, "late_day": null, "paid_value": null, "payment_date": "2027-11-28"},
{"payment": 131.63, "iof": 2.27, "balance": 67.48, "interest": 64.15, "principal": 67.48, "additional_value": 0.0, "present_value": null, "status": null, "period": 12, "running_day": 418, "late_day": null, "paid_value": null, "payment_date": "2027-12-28"}
],
"last_payment_date": "2027-12-28",
"reference_rate": null,
"interest_pre_type": "BASE_365",
"interest_rate_frequency": "MONTHLY",
"amortization_type": "PRICE",
"amortization_version": "V1",
"interest_type": "PRE",
"grace_period_interest": 0,
"grace_period_amortizations": [],
"amortization_frequency": "MONTHLY",
"insurance_amount": 49.33
}
},
{
"disbursement_date": "2026-11-06",
"first_payment_date": "2027-01-28",
"loan_details": {
"total_processing_cost": 73.4,
"annual_interest_rate": 0.791756,
"interest_rate": 0.0498,
"annual_effective_interest_rate": 1.004648,
"monthly_effective_interest_rate": 0.059668,
"total_amount_owed": 1576.92,
"disbursement_amount": 1000.0,
"discount_amount": 0,
"discount_rate": 0.0,
"financed_amount": 1073.4,
"iof_daily_rate": 0.000082,
"iof_amount": 24.07,
"iof_base_rate": 0.0038,
"payment_amount": 131.41,
"issue_date": "2026-11-05",
"schedule": [
{"payment": 131.41, "iof": 1.22, "balance": 1073.41, "interest": 16.32, "principal": 115.09, "additional_value": 0.0, "present_value": null, "status": null, "period": 1, "running_day": 83, "late_day": null, "paid_value": null, "payment_date": "2027-01-28"},
{"payment": 131.41, "iof": 1.44, "balance": 958.32, "interest": 21.88, "principal": 109.53, "additional_value": 0.0, "present_value": null, "status": null, "period": 2, "running_day": 114, "late_day": null, "paid_value": null, "payment_date": "2027-02-28"},
{"payment": 131.41, "iof": 1.62, "balance": 848.79, "interest": 26.67, "principal": 104.74, "additional_value": 0.0, "present_value": null, "status": null, "period": 3, "running_day": 142, "late_day": null, "paid_value": null, "payment_date": "2027-03-28"},
{"payment": 131.41, "iof": 1.79, "balance": 744.05, "interest": 31.74, "principal": 99.67, "additional_value": 0.0, "present_value": null, "status": null, "period": 4, "running_day": 173, "late_day": null, "paid_value": null, "payment_date": "2027-04-28"},
{"payment": 131.41, "iof": 1.94, "balance": 644.38, "interest": 36.4, "principal": 95.01, "additional_value": 0.0, "present_value": null, "status": null, "period": 5, "running_day": 203, "late_day": null, "paid_value": null, "payment_date": "2027-05-28"},
{"payment": 131.41, "iof": 2.07, "balance": 549.37, "interest": 40.99, "principal": 90.42, "additional_value": 0.0, "present_value": null, "status": null, "period": 6, "running_day": 234, "late_day": null, "paid_value": null, "payment_date": "2027-06-28"},
{"payment": 131.41, "iof": 2.2, "balance": 458.95, "interest": 45.22, "principal": 86.19, "additional_value": 0.0, "present_value": null, "status": null, "period": 7, "running_day": 264, "late_day": null, "paid_value": null, "payment_date": "2027-07-28"},
{"payment": 131.41, "iof": 2.29, "balance": 372.76, "interest": 49.39, "principal": 82.02, "additional_value": 0.0, "present_value": null, "status": null, "period": 8, "running_day": 295, "late_day": null, "paid_value": null, "payment_date": "2027-08-28"},
{"payment": 131.41, "iof": 2.39, "balance": 290.74, "interest": 53.35, "principal": 78.06, "additional_value": 0.0, "present_value": null, "status": null, "period": 9, "running_day": 326, "late_day": null, "paid_value": null, "payment_date": "2027-09-28"},
{"payment": 131.41, "iof": 2.45, "balance": 212.68, "interest": 57.01, "principal": 74.4, "additional_value": 0.0, "present_value": null, "status": null, "period": 10, "running_day": 356, "late_day": null, "paid_value": null, "payment_date": "2027-10-28"},
{"payment": 131.41, "iof": 2.39, "balance": 138.28, "interest": 60.6, "principal": 70.81, "additional_value": 0.0, "present_value": null, "status": null, "period": 11, "running_day": 387, "late_day": null, "paid_value": null, "payment_date": "2027-11-28"},
{"payment": 131.41, "iof": 2.27, "balance": 67.47, "interest": 63.94, "principal": 67.47, "additional_value": 0.0, "present_value": null, "status": null, "period": 12, "running_day": 417, "late_day": null, "paid_value": null, "payment_date": "2027-12-28"}
],
"last_payment_date": "2027-12-28",
"reference_rate": null,
"interest_pre_type": "BASE_365",
"interest_rate_frequency": "MONTHLY",
"amortization_type": "PRICE",
"amortization_version": "V1",
"interest_type": "PRE",
"grace_period_interest": 0,
"grace_period_amortizations": [],
"amortization_frequency": "MONTHLY",
"insurance_amount": 49.33
}
},
{
"disbursement_date": "2026-11-07",
"first_payment_date": "2027-01-28",
"loan_details": {
"total_processing_cost": 73.34,
"annual_interest_rate": 0.791756,
"interest_rate": 0.0498,
"annual_effective_interest_rate": 1.005387,
"monthly_effective_interest_rate": 0.059701,
"total_amount_owed": 1574.28,
"disbursement_amount": 1000.0,
"discount_amount": 0,
"discount_rate": 0.0,
"financed_amount": 1073.34,
"iof_daily_rate": 0.000082,
"iof_amount": 24.01,
"iof_base_rate": 0.0038,
"payment_amount": 131.19,
"issue_date": "2026-11-05",
"schedule": [
{"payment": 131.19, "iof": 1.21, "balance": 1073.33, "interest": 16.11, "principal": 115.08, "additional_value": 0.0, "present_value": null, "status": null, "period": 1, "running_day": 82, "late_day": null, "paid_value": null, "payment_date": "2027-01-28"},
{"payment": 131.19, "iof": 1.43, "balance": 958.25, "interest": 21.67, "principal": 109.52, "additional_value": 0.0, "present_value": null, "status": null, "period": 2, "running_day": 113, "late_day": null, "paid_value": null, "payment_date": "2027-02-28"},
{"payment": 131.19, "iof": 1.61, "balance": 848.73, "interest": 26.46, "principal": 104.73, "additional_value": 0.0, "present_value": null, "status": null, "period": 3, "running_day": 141, "late_day": null, "paid_value": null, "payment_date": "2027-03-28"},
{"payment": 131.19, "iof": 1.79, "balance": 744.0, "interest": 31.52, "principal": 99.67, "additional_value": 0.0, "present_value": null, "status": null, "period": 4, "running_day": 172, "late_day": null, "paid_value": null, "payment_date": "2027-04-28"},
{"payment": 131.19, "iof": 1.93, "balance": 644.33, "interest": 36.19, "principal": 95.0, "additional_value": 0.0, "present_value": null, "status": null, "period": 5, "running_day": 202, "late_day": null, "paid_value": null, "payment_date": "2027-05-28"},
{"payment": 131.19, "iof": 2.07, "balance": 549.33, "interest": 40.78, "principal": 90.41, "additional_value": 0.0, "present_value": null, "status": null, "period": 6, "running_day": 233, "late_day": null, "paid_value": null, "payment_date": "2027-06-28"},
{"payment": 131.19, "iof": 2.19, "balance": 458.92, "interest": 45.01, "principal": 86.18, "additional_value": 0.0, "present_value": null, "status": null, "period": 7, "running_day": 263, "late_day": null, "paid_value": null, "payment_date": "2027-07-28"},
{"payment": 131.19, "iof": 2.29, "balance": 372.74, "interest": 49.18, "principal": 82.01, "additional_value": 0.0, "present_value": null, "status": null, "period": 8, "running_day": 294, "late_day": null, "paid_value": null, "payment_date": "2027-08-28"},
{"payment": 131.19, "iof": 2.38, "balance": 290.73, "interest": 53.14, "principal": 78.05, "additional_value": 0.0, "present_value": null, "status": null, "period": 9, "running_day": 325, "late_day": null, "paid_value": null, "payment_date": "2027-09-28"},
{"payment": 131.19, "iof": 2.45, "balance": 212.68, "interest": 56.79, "principal": 74.4, "additional_value": 0.0, "present_value": null, "status": null, "period": 10, "running_day": 355, "late_day": null, "paid_value": null, "payment_date": "2027-10-28"},
{"payment": 131.19, "iof": 2.39, "balance": 138.28, "interest": 60.39, "principal": 70.8, "additional_value": 0.0, "present_value": null, "status": null, "period": 11, "running_day": 386, "late_day": null, "paid_value": null, "payment_date": "2027-11-28"},
{"payment": 131.19, "iof": 2.27, "balance": 67.48, "interest": 63.71, "principal": 67.48, "additional_value": 0.0, "present_value": null, "status": null, "period": 12, "running_day": 416, "late_day": null, "paid_value": null, "payment_date": "2027-12-28"}
],
"last_payment_date": "2027-12-28",
"reference_rate": null,
"interest_pre_type": "BASE_365",
"interest_rate_frequency": "MONTHLY",
"amortization_type": "PRICE",
"amortization_version": "V1",
"interest_type": "PRE",
"grace_period_interest": 0,
"grace_period_amortizations": [],
"amortization_frequency": "MONTHLY",
"insurance_amount": 49.33
}
},
{
"disbursement_date": "2026-11-08",
"first_payment_date": "2027-01-28",
"loan_details": {
"total_processing_cost": 73.26,
"annual_interest_rate": 0.791756,
"interest_rate": 0.0498,
"annual_effective_interest_rate": 1.006124,
"monthly_effective_interest_rate": 0.059733,
"total_amount_owed": 1571.64,
"disbursement_amount": 1000.0,
"discount_amount": 0,
"discount_rate": 0.0,
"financed_amount": 1073.26,
"iof_daily_rate": 0.000082,
"iof_amount": 23.93,
"iof_base_rate": 0.0038,
"payment_amount": 130.97,
"issue_date": "2026-11-05",
"schedule": [
{"payment": 130.97, "iof": 1.2, "balance": 1073.26, "interest": 15.9, "principal": 115.07, "additional_value": 0.0, "present_value": null, "status": null, "period": 1, "running_day": 81, "late_day": null, "paid_value": null, "payment_date": "2027-01-28"},
{"payment": 130.97, "iof": 1.43, "balance": 958.19, "interest": 21.46, "principal": 109.51, "additional_value": 0.0, "present_value": null, "status": null, "period": 2, "running_day": 112, "late_day": null, "paid_value": null, "payment_date": "2027-02-28"},
{"payment": 130.97, "iof": 1.6, "balance": 848.68, "interest": 26.25, "principal": 104.72, "additional_value": 0.0, "present_value": null, "status": null, "period": 3, "running_day": 140, "late_day": null, "paid_value": null, "payment_date": "2027-03-28"},
{"payment": 130.97, "iof": 1.78, "balance": 743.96, "interest": 31.31, "principal": 99.66, "additional_value": 0.0, "present_value": null, "status": null, "period": 4, "running_day": 171, "late_day": null, "paid_value": null, "payment_date": "2027-04-28"},
{"payment": 130.97, "iof": 1.93, "balance": 644.3, "interest": 35.98, "principal": 94.99, "additional_value": 0.0, "present_value": null, "status": null, "period": 5, "running_day": 201, "late_day": null, "paid_value": null, "payment_date": "2027-05-28"},
{"payment": 130.97, "iof": 2.06, "balance": 549.31, "interest": 40.57, "principal": 90.4, "additional_value": 0.0, "present_value": null, "status": null, "period": 6, "running_day": 232, "late_day": null, "paid_value": null, "payment_date": "2027-06-28"},
{"payment": 130.97, "iof": 2.18, "balance": 458.91, "interest": 44.8, "principal": 86.17, "additional_value": 0.0, "present_value": null, "status": null, "period": 7, "running_day": 262, "late_day": null, "paid_value": null, "payment_date": "2027-07-28"},
{"payment": 130.97, "iof": 2.28, "balance": 372.74, "interest": 48.96, "principal": 82.01, "additional_value": 0.0, "present_value": null, "status": null, "period": 8, "running_day": 293, "late_day": null, "paid_value": null, "payment_date": "2027-08-28"},
{"payment": 130.97, "iof": 2.37, "balance": 290.73, "interest": 52.93, "principal": 78.04, "additional_value": 0.0, "present_value": null, "status": null, "period": 9, "running_day": 324, "late_day": null, "paid_value": null, "payment_date": "2027-09-28"},
{"payment": 130.97, "iof": 2.44, "balance": 212.69, "interest": 56.58, "principal": 74.39, "additional_value": 0.0, "present_value": null, "status": null, "period": 10, "running_day": 354, "late_day": null, "paid_value": null, "payment_date": "2027-10-28"},
{"payment": 130.97, "iof": 2.39, "balance": 138.3, "interest": 60.17, "principal": 70.8, "additional_value": 0.0, "present_value": null, "status": null, "period": 11, "running_day": 385, "late_day": null, "paid_value": null, "payment_date": "2027-11-28"},
{"payment": 130.97, "iof": 2.27, "balance": 67.5, "interest": 63.47, "principal": 67.5, "additional_value": 0.0, "present_value": null, "status": null, "period": 12, "running_day": 415, "late_day": null, "paid_value": null, "payment_date": "2027-12-28"}
],
"last_payment_date": "2027-12-28",
"reference_rate": null,
"interest_pre_type": "BASE_365",
"interest_rate_frequency": "MONTHLY",
"amortization_type": "PRICE",
"amortization_version": "V1",
"interest_type": "PRE",
"grace_period_interest": 0,
"grace_period_amortizations": [],
"amortization_frequency": "MONTHLY",
"insurance_amount": 49.33
}
},
{
"disbursement_date": "2026-11-09",
"first_payment_date": "2027-01-28",
"loan_details": {
"total_processing_cost": 73.17,
"annual_interest_rate": 0.791756,
"interest_rate": 0.0498,
"annual_effective_interest_rate": 1.006858,
"monthly_effective_interest_rate": 0.059765,
"total_amount_owed": 1569.0,
"disbursement_amount": 1000.0,
"discount_amount": 0,
"discount_rate": 0.0,
"financed_amount": 1073.17,
"iof_daily_rate": 0.000082,
"iof_amount": 23.84,
"iof_base_rate": 0.0038,
"payment_amount": 130.75,
"issue_date": "2026-11-05",
"schedule": [
{"payment": 130.75, "iof": 1.19, "balance": 1073.17, "interest": 15.69, "principal": 115.06, "additional_value": 0.0, "present_value": null, "status": null, "period": 1, "running_day": 80, "late_day": null, "paid_value": null, "payment_date": "2027-01-28"},
{"payment": 130.75, "iof": 1.42, "balance": 958.11, "interest": 21.25, "principal": 109.5, "additional_value": 0.0, "present_value": null, "status": null, "period": 2, "running_day": 111, "late_day": null, "paid_value": null, "payment_date": "2027-02-28"},
{"payment": 130.75, "iof": 1.59, "balance": 848.61, "interest": 26.04, "principal": 104.71, "additional_value": 0.0, "present_value": null, "status": null, "period": 3, "running_day": 139, "late_day": null, "paid_value": null, "payment_date": "2027-03-28"},
{"payment": 130.75, "iof": 1.77, "balance": 743.9, "interest": 31.1, "principal": 99.65, "additional_value": 0.0, "present_value": null, "status": null, "period": 4, "running_day": 170, "late_day": null, "paid_value": null, "payment_date": "2027-04-28"},
{"payment": 130.75, "iof": 1.92, "balance": 644.25, "interest": 35.76, "principal": 94.99, "additional_value": 0.0, "present_value": null, "status": null, "period": 5, "running_day": 200, "late_day": null, "paid_value": null, "payment_date": "2027-05-28"},
{"payment": 130.75, "iof": 2.05, "balance": 549.26, "interest": 40.35, "principal": 90.4, "additional_value": 0.0, "present_value": null, "status": null, "period": 6, "running_day": 231, "late_day": null, "paid_value": null, "payment_date": "2027-06-28"},
{"payment": 130.75, "iof": 2.17, "balance": 458.86, "interest": 44.59, "principal": 86.16, "additional_value": 0.0, "present_value": null, "status": null, "period": 7, "running_day": 261, "late_day": null, "paid_value": null, "payment_date": "2027-07-28"},
{"payment": 130.75, "iof": 2.27, "balance": 372.7, "interest": 48.75, "principal": 82.0, "additional_value": 0.0, "present_value": null, "status": null, "period": 8, "running_day": 292, "late_day": null, "paid_value": null, "payment_date": "2027-08-28"},
{"payment": 130.75, "iof": 2.37, "balance": 290.7, "interest": 52.71, "principal": 78.04, "additional_value": 0.0, "present_value": null, "status": null, "period": 9, "running_day": 323, "late_day": null, "paid_value": null, "payment_date": "2027-09-28"},
{"payment": 130.75, "iof": 2.43, "balance": 212.66, "interest": 56.36, "principal": 74.39, "additional_value": 0.0, "present_value": null, "status": null, "period": 10, "running_day": 353, "late_day": null, "paid_value": null, "payment_date": "2027-10-28"},
{"payment": 130.75, "iof": 2.39, "balance": 138.27, "interest": 59.96, "principal": 70.79, "additional_value": 0.0, "present_value": null, "status": null, "period": 11, "running_day": 384, "late_day": null, "paid_value": null, "payment_date": "2027-11-28"},
{"payment": 130.75, "iof": 2.27, "balance": 67.48, "interest": 63.27, "principal": 67.48, "additional_value": 0.0, "present_value": null, "status": null, "period": 12, "running_day": 414, "late_day": null, "paid_value": null, "payment_date": "2027-12-28"}
],
"last_payment_date": "2027-12-28",
"reference_rate": null,
"interest_pre_type": "BASE_365",
"interest_rate_frequency": "MONTHLY",
"amortization_type": "PRICE",
"amortization_version": "V1",
"interest_type": "PRE",
"grace_period_interest": 0,
"grace_period_amortizations": [],
"amortization_frequency": "MONTHLY",
"insurance_amount": 49.33
}
},
{
"disbursement_date": "2026-11-10",
"first_payment_date": "2027-01-28",
"loan_details": {
"total_processing_cost": 73.11,
"annual_interest_rate": 0.791756,
"interest_rate": 0.0498,
"annual_effective_interest_rate": 1.00759,
"monthly_effective_interest_rate": 0.059798,
"total_amount_owed": 1566.36,
"disbursement_amount": 1000.0,
"discount_amount": 0,
"discount_rate": 0.0,
"financed_amount": 1073.11,
"iof_daily_rate": 0.000082,
"iof_amount": 23.78,
"iof_base_rate": 0.0038,
"payment_amount": 130.53,
"issue_date": "2026-11-05",
"schedule": [
{"payment": 130.53, "iof": 1.19, "balance": 1073.11, "interest": 15.48, "principal": 115.05, "additional_value": 0.0, "present_value": null, "status": null, "period": 1, "running_day": 79, "late_day": null, "paid_value": null, "payment_date": "2027-01-28"},
{"payment": 130.53, "iof": 1.41, "balance": 958.06, "interest": 21.04, "principal": 109.49, "additional_value": 0.0, "present_value": null, "status": null, "period": 2, "running_day": 110, "late_day": null, "paid_value": null, "payment_date": "2027-02-28"},
{"payment": 130.53, "iof": 1.58, "balance": 848.57, "interest": 25.83, "principal": 104.7, "additional_value": 0.0, "present_value": null, "status": null, "period": 3, "running_day": 138, "late_day": null, "paid_value": null, "payment_date": "2027-03-28"},
{"payment": 130.53, "iof": 1.76, "balance": 743.87, "interest": 30.89, "principal": 99.64, "additional_value": 0.0, "present_value": null, "status": null, "period": 4, "running_day": 169, "late_day": null, "paid_value": null, "payment_date": "2027-04-28"},
{"payment": 130.53, "iof": 1.91, "balance": 644.23, "interest": 35.55, "principal": 94.98, "additional_value": 0.0, "present_value": null, "status": null, "period": 5, "running_day": 199, "late_day": null, "paid_value": null, "payment_date": "2027-05-28"},
{"payment": 130.53, "iof": 2.04, "balance": 549.25, "interest": 40.14, "principal": 90.39, "additional_value": 0.0, "present_value": null, "status": null, "period": 6, "running_day": 230, "late_day": null, "paid_value": null, "payment_date": "2027-06-28"},
{"payment": 130.53, "iof": 2.17, "balance": 458.86, "interest": 44.37, "principal": 86.16, "additional_value": 0.0, "present_value": null, "status": null, "period": 7, "running_day": 260, "late_day": null, "paid_value": null, "payment_date": "2027-07-28"},
{"payment": 130.53, "iof": 2.27, "balance": 372.7, "interest": 48.54, "principal": 81.99, "additional_value": 0.0, "present_value": null, "status": null, "period": 8, "running_day": 291, "late_day": null, "paid_value": null, "payment_date": "2027-08-28"},
{"payment": 130.53, "iof": 2.36, "balance": 290.71, "interest": 52.5, "principal": 78.03, "additional_value": 0.0, "present_value": null, "status": null, "period": 9, "running_day": 322, "late_day": null, "paid_value": null, "payment_date": "2027-09-28"},
{"payment": 130.53, "iof": 2.43, "balance": 212.68, "interest": 56.15, "principal": 74.38, "additional_value": 0.0, "present_value": null, "status": null, "period": 10, "running_day": 352, "late_day": null, "paid_value": null, "payment_date": "2027-10-28"},
{"payment": 130.53, "iof": 2.39, "balance": 138.3, "interest": 59.75, "principal": 70.78, "additional_value": 0.0, "present_value": null, "status": null, "period": 11, "running_day": 383, "late_day": null, "paid_value": null, "payment_date": "2027-11-28"},
{"payment": 130.53, "iof": 2.27, "balance": 67.52, "interest": 63.01, "principal": 67.52, "additional_value": 0.0, "present_value": null, "status": null, "period": 12, "running_day": 413, "late_day": null, "paid_value": null, "payment_date": "2027-12-28"}
],
"last_payment_date": "2027-12-28",
"reference_rate": null,
"interest_pre_type": "BASE_365",
"interest_rate_frequency": "MONTHLY",
"amortization_type": "PRICE",
"amortization_version": "V1",
"interest_type": "PRE",
"grace_period_interest": 0,
"grace_period_amortizations": [],
"amortization_frequency": "MONTHLY",
"insurance_amount": 49.33
}
}
]
}O objeto multiple_disbursements_details contém uma lista de datas de desembolso, com as respectivas condições financeiras em loan_details.
Consulta do detalhamento por data de desembolso
O objeto multiple_disbursements_details, que contém o detalhamento do cálculo financeiro para cada possibilidade de data de desembolso, é retornado na resposta da simulação e criação da operação.
Caso seja necessário consultar isoladamente os detalhes, realize a consulta da operação informando o parâmetro multiple_disbursements_details=true.
Endpoint
GET {host}/banking/originator/applications/{id}?multiple_disbursements_details=trueOnde:
{id}corresponde ao identificador da operação (application_id);multiple_disbursements_details=trueindica que o detalhamento financeiro das possíveis datas de desembolso deve ser incluído no retorno.
Atualização das condições financeiras
No momento da criação da operação, os campos financeiros retornados consideram as condições calculadas para a data máxima de desembolso informada.
Após a averbação, quando a data aplicável ao desembolso for definida, a Celcoin atualizará automaticamente a operação para refletir as condições financeiras correspondentes a essa data.
Por esse motivo, ao consultar a operação após a averbação, alguns dados poderão apresentar valores diferentes dos retornados inicialmente na criação.
A atualização poderá refletir principalmente nos seguintes campos:
disbursement_date;loan_details;payment_orders.
Não é necessária nenhuma ação adicional ou novo cálculo por parte do cliente.
Data da primeira parcelaA
first_payment_datedeve respeitar as regras do calendário vigente aplicável ao Crédito do Trabalhador.No fluxo de Múltiplas Datas de Desembolso, a Celcoin considera a relação entre as possibilidades de desembolso e a data da primeira parcela para realizar as validações necessárias.
Importante: a data da primeira parcela pode variar de acordo com a data aplicável ao desembolso e com o calendário vigente do Crédito do Trabalhador.
Caso as datas informadas não atendam às regras aplicáveis, a requisição retornará a respectiva validação.