We introduce our credit operations solution, a product designed to comprehensively and effectively meet financial needs. This platform offers a range of credit services, from personal loans to integrations with Caixa Econômica’s FGTS modules, providing access to essential financial resources for various objectives. With an intuitive and secure interface, users can explore credit options, submit requests, and receive quick responses, streamlining the entire process. Our solution aims not only to facilitate access to credit but also to ensure transparency, security, and efficiency in all operations, reliably and conveniently catering to both individual and corporate demands.
System Calculation Models
- Interest Rate Calculation:
Allows the calculation of the interest rate applied to the loan, providing a clear understanding of associated costs and helping users make informed financial decisions. - Prepayment Calculation:
Offers the option to prepay loan installments, granting financial benefits to users who wish to settle the loan before the expected deadline. - FGTS Withdrawal:
Integrates with the Severance Indemnity Fund (FGTS), allowing users to use FGTS funds as part of the payment or to reduce the outstanding balance, offering greater flexibility and financial relief.
Operation Initiation Process
To initiate an operation, it is initially necessary to obtain the product code and the buyer code, as well as to perform a simulation based on the calculation model corresponding to the product.
After the simulation, to finalize the credit, it is mandatory to register the customer used in the simulation, referred to in the simulation as "document_customer". During this registration, personal data must be provided according to the customer's profile, whether "Individual" or "Legal Entity".
The operation will be launched using the code generated by the simulation.
Here is the worflow to obtain a product code:
| Order | Path | Method | Description |
|---|---|---|---|
| 1 | Operation/Product/Retrieve | GET - /operation/product | The credit policy of the operation specifies that the product has settings such as the calculation model. |
Here is the worflow to obtain a purchaser code:
| Order | Path | Method | Description |
|---|---|---|---|
| 1 | Operation/Purchaser/Retrieve | GET - /operation/purchaser | Entities or organizations that acquire or invest in financial instruments representing debt, such as loans and financings. |
Here is the workflow for generate a simulation :
| Order | Path | Method | Description |
|---|---|---|---|
| 1 | Operation/FGTS/Simulator FGTS | POST - operation/simulation/{code} | Simulate operation using the FGTS model. |
| 1 | Operation/Rate/Simulator Rate | POST - operation/simulation/{code} | Simulate operation using the Rate model. |
| 1 | Operation/Anticipation/Simulator Installments anticipation | POST - operation/simulation/{code} | Simulate operation using the Anticipation model. |
Here is the workflow for register a customer :
| Order | Path | Method | Description |
|---|---|---|---|
| 1 | Client/PF/Create | POST - client/pf/ | Register a client as an individual. |
| 1 | Client/PJ/Create | POST - client/pj | Register a client as a legal entity. |
| - | Client/Account Payment | - | Register and manage accounts for payment disbursement. |
Here is the workflow for generate and manage the operation :
| Order | Path | Method | Description |
|---|---|---|---|
| 1 | Operation/Generate operation by a simulation | POST - operation/simulation/launch/{code} | Generate an operation based on a simulation. |
| 2 | Operation/Document/Send | POST - operation/document/base64/{code} | Send documents for credit analysis. |
| 3 | Client/Account Payment/Create | POST - client/account/{code} | Register accounts for disbursement. |
| 4 | Operation/Payment | POST - /operation/payment/{code} | Register the customer's disbursement in the operation according to the accounts registered in their profile. |
| 5 | Operation/Movement History/ Update Status | POST - operation/historic/{code} | Update the operation status to status 13 (awaiting approval) |
| 6 | Operation/Digital Signature - Subscriber | POST - operation/signature/subscriber/{code} | Register subscriber to sign the contract. |
| 7 | Operation/Digital Signature - Contract - Trigger contract for signature | PUT - operation/signature/contract/{code} | Trigger the contract for signature with other registered subscribers. |
| 8 | Operation/Movement History/ Update Status | POST - operation/historic/{code} | When the contract is signed, update the operation status to status 13 (awaiting approval). |
Attention points:
- After being sent to status 13, monitor the operation status. If there are any pending issues, it will revert to status 8 (pending).
- The operation will be completed in status 7 (paid).