---
title: "Simulate a loan | Simular um empréstimo"
method: POST
path: "/simulations"
tags: ["Simulations | Simulação"]
---

# Simulate a loan | Simular um empréstimo

`POST /simulations`

Calculates loan installments and costs based on input parameters | Calcula as parcelas e custos do empréstimo baseado nos parâmetros de entrada

## Query parameters

- `product_id` string, required

## Request body

- DocsExampleSimulationRequest
  - `customer_type` 'PF' | 'PJ', required
  - `first_due_date` string, required — Expecting YYYY-MM-DD
  - `include_iof` boolean
  - `interest_rate` number, required
  - `iof_handling_type` 'FINANCED' | 'DISCOUNTED', required
  - `loan_amount` number, required
  - `number_of_installments` integer, required
  - `periodicity_interval` integer
  - `periodicity_unit` 'MONTH' | 'DAY' | 'WEEK', required
  - `registration_fee` number
  - `registration_fee_handling_type` 'FINANCED' | 'DISCOUNTED', required
  - `release_date` string, required — Expecting YYYY-MM-DD
  - `simulation_type` 'SAC' | 'PRICE', required

## Response `200`

Loan simulation successful | Simulação de empréstimo realizada com sucesso

- DocsExampleSimulationResponse
  - `code` string
  - `data` DocsSimulationResponseDomainFormat
    - `cet_annual` number
    - `cet_monthly` number
    - `customer_type` string
    - `first_due_date` string
    - `include_iof` boolean
    - `installments` DocsInstallmentResponseDomainFormat[]
      - `balance` number
      - `due_date` string
      - `installment_number` integer
      - `interest_amount` number
      - `payment_amount` number
      - `principal_amount` number
    - `interest_rate` number
    - `iof_amount` number
    - `iof_handling_type` string
    - `loan_amount` number
    - `net_amount_released` number
    - `number_of_installments` integer
    - `periodicity_interval` integer
    - `periodicity_unit` string
    - `registration_fee` number
    - `registration_fee_handling_type` string
    - `release_date` string
    - `simulation_type` string
    - `total_amount_paid` number
    - `total_financed_amount` number
  - `message` string
  - `request_id` string

## Other responses

- `400` — Bad Request - Invalid input data | Solicitação inválida - Dados de entrada inválidos
- `500` — Internal Server Error | Erro interno do servidor

---

[API](https://skmtc.net/fitbank/apis/onboarding.md) · [All operations](https://skmtc.net/fitbank/apis/onboarding/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/fitbank/onboarding/revisions/f94d262a8f58/schema)