---
title: "Originate a consignado privado contract (contratação ativa)"
method: POST
path: "/api/v1/br/consignado/contracts"
tags: ["Consignado"]
---

# Originate a consignado privado contract (contratação ativa)

`POST /api/v1/br/consignado/contracts`

Re-checks margin, renders and signs the CCB, creates and approves the core loan application (with its BR consignado extension) and persists it, then emits consignado.averbacao.requested so the gateway performs the real averbação. The returned state reflects the core origination progress (approved on contratação); the averbação lifecycle is tracked separately.

## Request body

- ContratacaoAtivaRequest
  - `annualRate` string, required — Annual interest rate as a fraction (RateScale, e.g. "0.2400").
  - `averbacaoDate` string, date-time — Instant the averbação is requested (RFC3339); anchors the first-deduction competência. Defaults to now when omitted.
  - `borrowerCpf` string, required — Borrower CPF, digits only (pre-normalized).
  - `borrowerName` string, required — Borrower (emitente/devedor) full legal name (CCB Art. 23).
  - `cetAnnual` string, required — Annual CET as a fraction (RateScale).
  - `cetMonthly` string, required — Monthly CET as a fraction (RateScale).
  - `creditorName` string, required — Financing institution issuing the credit (CCB Art. 23 credor).
  - `eSocialCategory` string, required — eSocial category code of the vínculo.
  - `employerCnpj` string, required — Employer CNPJ, digits only (pre-normalized).
  - `employerLegalName` string, required — Employer / payroll counterparty legal name.
  - `extendedTermEligible` boolean — True enables the 144-month cap (public-company/autarquia CLT, Art. 10 V); false keeps the 96-month cap.
  - `fgtsGuaranteePercent` string — Optional FGTS-guarantee fraction (RateScale); omit when not applicable.
  - `installmentAmount` string, required — Monthly installment amount in major currency units.
  - `installmentCount` integer, required — Number of installments.
  - `iofAmount` string, required — IOF tax amount in major currency units.
  - `loanProductVersionId` string, uuid, required — UUID of the activated loan-product version the contract binds to.
  - `matricula` string, required — Payroll registration the margin lookup and CCB key against.
  - `monthlyRate` string, required — Monthly interest rate as a fraction (RateScale, e.g. "0.0180").
  - `numeroContrato` string, required — Human-facing contract number assigned by the originating channel.
  - `principalAmount` string, required — Financed principal in major currency units.
  - `vinculoId` string, uuid, required — UUID of the borrower<->employer vínculo the contract originates against.

## Response `201`

Created

- ContratacaoAtivaResponse
  - `annualRate` string, required — Annual interest rate as a fraction (RateScale).
  - `biometricEvidenceRef` string, required — Reference to the captured biometric signing evidence.
  - `cetAnnual` string, required — Annual CET as a fraction (RateScale).
  - `cetMonthly` string, required — Monthly CET as a fraction (RateScale).
  - `createdAt` string, required — RFC3339 UTC timestamp when the contract was persisted.
  - `firstDeductionCompetencia` string, required — First payroll-deduction competência as YYYYMM.
  - `id` string, required — Server-generated UUID of the persisted contract.
  - `installmentAmount` string, required — Monthly installment amount in major currency units.
  - `installmentCount` integer, required — Number of installments.
  - `iofAmount` string, required — IOF tax amount in major currency units.
  - `loanProductVersionId` string, required — UUID of the bound loan-product version.
  - `monthlyRate` string, required — Monthly interest rate as a fraction (RateScale).
  - `numeroContrato` string, required — Human-facing contract number.
  - `principalAmount` string, required — Financed principal in major currency units.
  - `signatureSessionRef` string, required — Reference to the out-of-band signature ceremony session.
  - `state` string, required — Core origination-progress state of the loan application: pending_approval, approved, disbursed, rejected, or withdrawn.
  - `vinculoId` string, required — Identifier of the originating vínculo.

## Other responses

- `default` — Error

---

[API](https://skmtc.net/lerian/apis/identity-plugin.md) · [All operations](https://skmtc.net/lerian/apis/identity-plugin/llms.txt) · [OpenAPI document](https://skmtc-service-staging.skmtc.workers.dev/v1/apis/lerian/identity-plugin/versions/25daba385532/schema)