v1

latestOpenAPI 3.1.02026-07-263644911022.4 KB

Loan Accounts

Get loan account CET disclosure

Returns the latest immutable CET disclosure artifact frozen for the active loan account.

get/api/v1/br/loan-accounts/{id}/cet-disclosure

Path parameters

idstring uuid required

Loan account identifier.

Response

cetAnnualPctstring required

Custo Efetivo Total, annualized, as a percentage decimal string with scale 8 (e.g. "12.34567890").

cetMonthlyPctstring required

Custo Efetivo Total, monthly, as a percentage decimal string with scale 8 (e.g. "1.23456789").

createdAtstring required

RFC3339 UTC timestamp at which the disclosure record was created.

frozenAtstring required

RFC3339 UTC timestamp at which the disclosure was frozen and made immutable.

idstring required

Unique identifier (UUID) of the frozen CET disclosure record.

jurisdictionCodestring required

ISO jurisdiction code governing the disclosure (e.g. "BR").

loanAccountIdstring required

UUID of the loan account the disclosure is bound to.

loanApplicationIdstring required

UUID of the loan application this CET disclosure was computed for.

{"stackTrail":"components:schemas:CETDisclosureResponse:properties:memoryOfCalculation","oasType":"schema","type":"unknown","description":"Memoria de calculo: structured breakdown of the cash flows and steps producing the CET."}

profileVersionstring required

Jurisdiction profile version used to compute the CET, captured for auditability.

{"stackTrail":"components:schemas:CETDisclosureResponse:properties:rateTableSnapshot","oasType":"schema","type":"unknown","description":"Frozen snapshot of the rate/fee table inputs used in the CET calculation."}

Example response

{
  "cetAnnualPct": "12.34567890",
  "cetMonthlyPct": "1.23456789",
  "createdAt": "2026-06-14T12:00:00Z",
  "frozenAt": "2026-06-14T12:00:00Z",
  "id": "550e8400-e29b-41d4-a716-446655440000",
  "jurisdictionCode": "BR",
  "loanAccountId": "550e8400-e29b-41d4-a716-446655440002",
  "loanApplicationId": "550e8400-e29b-41d4-a716-446655440001",
  "profileVersion": "1.0.0"
}