POST
/lending/v1/transactions/installment-plans/simulationSimular un plan de cuotificación
Genera una simulación de solo lectura de un plan de cuotificación para una transacción financiable de una línea de crédito en Chile/Perú.
La operación no persiste cambios. Actualmente solo soporta owner.type: CREDIT_LINE y financing_type: REFINANCE.
Si se envía interest_rate_override, esa tasa se usa en lugar de la tasa del producto para calcular el plan.
Parámetros disponibles
Cuerpo de solicitud
application/jsontransaction_idstringrequired
ownerobjectrequired2 propiedades
quantityintegerrequired
financing_typeenumrequired
interest_rate_overridestring
grace_period_cyclesinteger
reference_idstring
Detalle de respuestas
401
No autorizado
403
Acceso denegado
500
Error interno del servidor
Ejemplo de solicitud
{
"transaction_id": "ctx-3xy2ZAMWeblTap8SJOrLHhddFfM",
"owner": {
"type": "CREDIT_LINE",
"id": "lcr-3wS9TF48KFOccV1kcz0BCuIQ6xg"
},
"quantity": 6,
"financing_type": "REFINANCE",
"interest_rate_override": "36.00",
"grace_period_cycles": 0,
"reference_id": "ext-ref-123"
}Ejemplo de código
curl -X POST "https://api.pomelo.la/lending/v1/transactions/installment-plans/simulation" \
-H "Content-Type: application/json" \
-H "Authorization: Bearer YOUR_API_KEY" \
-d '{
"transaction_id": "ctx-3xy2ZAMWeblTap8SJOrLHhddFfM",
"owner": {
"type": "CREDIT_LINE",
"id": "lcr-3wS9TF48KFOccV1kcz0BCuIQ6xg"
},
"quantity": 6,
"financing_type": "REFINANCE",
"interest_rate_override": "36.00",
"grace_period_cycles": 0,
"reference_id": "ext-ref-123"
}'Ejemplo de respuesta (200)Ejemplo de respuesta
{
"data": {
"transaction_id": "ctx-3xy2ZAMWeblTap8SJOrLHhddFfM",
"owner": {
"type": "CREDIT_LINE",
"id": "lcr-3wS9TF48KFOccV1kcz0BCuIQ6xg"
},
"country": "CHL",
"currency": "BRL",
"financing_type": "REFINANCE",
"status": "ACTIVE",
"origination_date": "2025-01-15",
"principal": "500.00",
"installments": [
{
"number": 1,
"due_date": "2025-02-28",
"cycle_closing_date": "2025-02-20",
"accrual_start_date": "2025-01-15",
"principal": "76.12",
"interest": "24.94",
"taxes": "0.00",
"expenses": "0.00",
"total": "101.06",
"accrued_interest": "24.94",
"financed_amount": "500.00",
"outstanding_amount": "423.88",
"financed_interest": "149.36",
"financed_interest_amortization": "24.89",
"applied_rate": {
"value": "36.00",
"type": "APPLIED_ANNUAL_EFFECTIVE",
"unit": "PERCENTAGE"
}
}
],
"summary": {
"principal": "500.00",
"interest": "106.36",
"taxes": "0.00",
"expenses": "0.00",
"total_amount": "606.36",
"total_financial_cost": "32.26",
"first_due_date": "2025-02-28",
"last_due_date": "2025-07-31",
"quantity": 6
},
"calculation_details": {
"amortization_method": "FRENCH",
"rates": [
{
"value": "36.00",
"type": "APPLIED_ANNUAL_EFFECTIVE",
"unit": "PERCENTAGE"
}
],
"clearing_type": "STATEMENT_CYCLE"
},
"created_at": "2025-01-15T12:30:00Z"
}
}