Reschedule loan account
Appends an immutable rescheduled schedule version and recalculation trigger. Idempotency is enforced through the X-Idempotency header; a reused key with different facts yields 422 (IDEMPOTENCY_KEY_REUSE); once the middleware has forgotten the key, an X-Idempotency key or transactionId reused with a different body yields 409 (LENDER-0342). A malformed UUID yields 422. Each modification’s 10% test measures its own change. A restructuring (declared, or by default on an overdue contract with a concession) never ends the contract and its 201 carries no substantialRenegotiation block: it settles its art. 22 result against the result account on the effective date, unless the change is within rounding (art. 23 then re-solves the rate and posts nothing); a suspended contract’s gain is held under art. 17. When any other request is a renegotiation that art. 22 judges SUBSTANTIAL, the same call ends this contract and mints its replacement: the 201 carries this contract’s last ladder, at zero, and a substantialRenegotiation block naming the replacement. Resending the request answers the same block. A restructuring is never put to the 10% test and leaves held cash untouched. For any other modification, cash the borrower holds before it pays the debt first and the 10% test measures what is left, in both directions: a request that is substantial only after that cash pays ends the contract, and one substantial before but not after is refused with 422 (LENDER-0334). A request put to the 10% test while held cash covers the whole debt is refused with 422 (LENDER-0334), the move being the full payoff; a pure re-timing is not put to it and appends whatever is held. A reschedule while a full-settlement quote on the contract is still payable is refused with 409 (LENDER-0375) and writes nothing; liveQuoteId and liveQuoteExpiresAt name that quote. A restructuring that books a day-one loss on a chart that books PIS/COFINS but has no accrual_tax_recovery rule is refused with 422 (LENDER-0459) and writes nothing: add the rule to the chart plan.
Encabezados
Parámetros de ruta
Cuerpo
Number of instalments of the rescheduled plan, on the periodicity of the contract, at most 600. The term they span is bounded by the loan product version's maximum term when it declares one (LENDER-0396): months from the effective date to the last instalment's grid date, a started month counting whole. A plan whose last instalment's grid date falls on or before the contract's last due date passes above that maximum.
x >= 124
RENEGOTIATION. Declare that the modification changed the contract's index. A SUBSTANTIAL trigger under art. 22, except on a restructuring, which stays on the contract. It is DECLARED and never inferred: an index is not a concept this core models, so no reading of the stored schedule could tell one change from another. Declaration beats calculation, and a declared change is substantial however small its effect on present value.
RESTRUCTURING CLASS. Whether this renegotiation is a restructuring (reestruturação, Res. CMN 4.966; forbearance). Omit to record the default the Lender computes: in Brazil, a restructuring when the debt is more than 30 days overdue on the effective date, or the contract already carries a restructuring, or a contract it replaced carried one (the mark does not expire), and the renegotiation grants any concession: the new plan ends after the original term, is priced below the original rate, folds overdue instalments into the new principal, or waives late charges (waiveLateCharges). On a contract already restructured, a concession is measured against the terms in force (a new extension into a later month or a new cut); a raise, a shortening or a due-day move within the month is not one. A restructuring never ends the contract: it is measured and settled in place. A value different from the default requires restructuringJustification.
RENEGOTIATION. Monthly interest rate as a decimal FRACTION (0.025 is 2.5% a month) to price the new schedule at, in place of the rate the contract was written at; 0 is accepted, a zero-interest concession that bills the interest accrued before it on the first row and principal alone after, and the product's rate floor is not asked. A substantial renegotiation priced above the product version's ceiling is refused with 422 (LENDER-0215), and a 0% one that is not a restructuring with 422 (LENDER-0359); nothing is written. Omit to re-time at the contract's own rate. Supplying it makes this a renegotiation under Res. CMN 4.966/2021 art. 22, which is judged before anything is written: a substantial one ends this contract and mints a replacement (see substantialRenegotiation in the response); any other re-solves the rate (art. 23) and posts nothing. Only a restructuring posts its art. 22 result against the result account, whatever its size, and keeps the contract.
"0.025"
Respuesta
Created
Present only when a reschedule was a SUBSTANTIAL renegotiation under Res. CMN 4.966/2021 art. 22: this contract was ended (scheduleVersion is its last ladder, at zero) and a replacement contract now carries the debt. Never present on a restructuring, which stays on its contract. Omitted on every other outcome.