/lending/v1/transactions/installment-plans/simulation

Simular 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/json
transaction_idstring
ownerobject2 propiedades
quantityinteger
financing_typeenum
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"
  }
}

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