The credit assignment service at CDC offers an efficient and secure solution for businesses and individuals looking to optimize their financial resources. Credit assignment is a transaction in which a creditor transfers their rights over a credit to a third party. With our platform, we facilitate this process, allowing our clients to compare various assignment options available in the market. We offer a wide range of resources to assist in decision-making, including detailed analyses, competitive rates, and specialized support.
Additionally, we provide various calculation models for assignments, offering flexibility and adaptability to the specific needs of each client.
Calculation Models of the System
- Disbursement
The sale calculation is based on the final amount to be disbursed to the client. - Future Value
The sale calculation is based on the total future amount to be paid by the client (sum of installments). - Present Value
The operation calculation is made by bringing each financing installment to the present value, considering an agreed discount rate.
How to Join the Credit Assignment Product
- Initial Inquiry: Clients interested in using our credit assignment services contact us via our website, phone, or other communication channels.
- Needs Analysis: Our team of credit assignment specialists conducts a detailed analysis of the client's needs and requirements. This may include determining the credit amount to be assigned, the desired assignment period, and any other specific terms or conditions.
- Customized Proposal: Based on the analysis of the client's needs, we prepare a customized proposal detailing the terms and conditions of the credit assignment, such as rates, deadlines, guarantees, and other important contract aspects.
- Contract Signing: The client signs the credit assignment contract with CDC. This contract establishes the rights and responsibilities of both parties during the assignment process.
How to Benefit from the Credit Assignment Product
- Execution of Assignment: The buyer will have access to credit operations, which they can purchase according to their policy.
- Formalization of Assignment: After analyzing the operations, a sales contract is generated to be signed by CDC and the buyer.
- Signature via CDC Platform: The signature will be done digitally through CDC's signature platform.
- Completion of Purchase: To complete the purchase of the assignment, the buyer will deposit the funds into the account previously informed in the Endorsement Term.
- Finalization and Compliance: Once the credit assignment is completed according to the contract terms, the client and CDC finalize the process. The client can then enjoy the benefits of the credit assignment as agreed.
- Monitoring and Support: Throughout the sales process, the CDC team will be available to provide support and assistance to the client.
This process ensures that the client has a smooth and transparent experience when using our credit assignment services, providing security and reliability at every step of the process.
Here is the workflow for generating the assignment:
| Order | Path | Router | Description |
|---|---|---|---|
| 1 | Create | GET - assignment/operations/available | Check available operations for assignment. |
| 2 | Create | POST - assignment/launch | Send selected operations for purchase. |
| 3 | Signature | PUT - assignment/signature/contract/(code) | Send the assignment document for signature. |
| 4 | - | POST - assignment/status/(code) | Send to CDC for validation with status number 2. |
| 5 | - | - | CDC approves or declines. |
| 6 | - | - | CDC requests awaiting payment of the assignment agreement. |
| 7 | - | - | CDC finalizes the assignment. |
| - | Document | POST - assignment/document/base64/(code) | Document attachment. |
| - | Document | GET - assignment/document/list/(code) | List of attached documents. |
| - | - | DELETE - assignment/code | Delete assignment, it is not possible to delete assignments in statuses 2, 3, 6, 7, 8. |
| - | Retrivel | GET - assignment/status/(code) | Check assignment history. |