Refinanciar uno o más contratos activos en uno nuevo
Esta operación actúa como proxy de realizar-refinanciamento-trabalhador (Manual 008 v1.10 §3.1): abandona todos los contratos nombrados en listaContratosQuitadosTrabalhador y averba el nuevo contrato que los reemplaza, reservando margen hasta que se cierre el refinanciamiento. Cada contrato eliminado debe ser una averbação del tenant autenticado que la red reconoció; cualquier otra cosa es 404 antes de que se llame a la red; si ese contrato está actualmente activo en el registro del gobierno se deja a criterio de la red. Con garantía (temGarantias=true), el refinanciamento sólo podrá relacionarse 1:1 (regra fr, como máximo un contrato quitado) y deberá informar al menos uno de los tres valores de garantía (regra fi). Se requiere X-Idempotency.
Autorizaciones
JWT bearer token issued by the identity provider.
Encabezados
Client-chosen idempotency key. REQUIRED: an absent key is 422, never a generated default.
"idem-refinanciamento-0001"
Parámetros de ruta
The NEW contract number, minted by the CLIENT — the rail mints nothing here.
2 - 15"99999999999ARN1"
Cuerpo
Employer inscription type: 1 CNPJ, 2 CPF.
^[12]$"1"
Worker CPF, 11 digits.
11^[0-9]{11}$"99999999999"
End date of the new consignado contract, RFC 3339 UTC.
"2027-07-10T00:00:00Z"
Start date of the new consignado contract, RFC 3339 UTC.
"2025-06-11T00:00:00Z"
Date of the first payroll deduction, RFC 3339 UTC.
"2025-07-10T00:00:00Z"
Every contract this refinanciamento quits. Each must be an active averbação of the authenticated tenant — 'active' is the government registry's own judgment, which this gateway does not locally track.
1Matrícula assigned to the worker by the employer.
30"99999999999-A"
Worker's full name.
90"Trabalhador 99999999999"
Employer inscription number, Texto since Manual 008 v1.7 (the mirrored Swagger still types this int64).
14"99999999999881"
Number of instalments of the new contract, capped at the manual's own 3-digit field width (Manual 008 §3.1.1 p.10).
1 <= x <= 99924
Whether FGTS collateral secures the new contract. When true, exactly one contract may be named in lista_contratos_quitados_trabalhador (regra FR) and at least one of the three garantia values below must be informed (regra FI).
true
valorCETAnual — Custo Efetivo Total, annual percent decimal string.
13^[0-9]+(\.[0-9]{1,2})?$"7.26"
valorCETMensal — Custo Efetivo Total, monthly percent decimal string.
13^[0-9]+(\.[0-9]{1,2})?$"0.59"
valorEmprestimo — the new contract's principal (decimal string, BRL).
13^[0-9]+(\.[0-9]{1,2})?$"9018.54"
valorIOF — the IOF charged, in reais (decimal string, BRL).
13^[0-9]+(\.[0-9]{1,2})?$"94.95"
valorPago — settlement amount paid to quit the original contracts (decimal string, BRL).
13^[0-9]+(\.[0-9]{1,2})?$"6114.50"
valorParcela — the new contract's instalment amount (decimal string, BRL).
13^[0-9]+(\.[0-9]{1,2})?$"400.00"
valorTaxaAnual — annual interest rate, percent decimal string.
13^[0-9]+(\.[0-9]{1,2})?$"6.17"
valorTaxaMensal — monthly interest rate, percent decimal string.
13^[0-9]+(\.[0-9]{1,2})?$"0.5"
valorTroco — amount delivered to the client after settling the quitados contracts (decimal string, BRL).
13^[0-9]+(\.[0-9]{1,2})?$"2809.09"
CNPJ of the operator (correspondent, cooperado or similar) responsible for the operation. Optional, Texto since v1.7.
14"12345678000199"
Payroll competência of the first deduction, yyyyMM. Optional.
^[0-9]{6}$"202507"
Percentage of severance pay pledged as collateral, 0 to 35%.
13^[0-9]+(\.[0-9]{1,2})?$"15"
FGTS termination-fine collateral, up to 100% of the 40% fine (decimal string, BRL). Optional individually.
13^[0-9]+(\.[0-9]{1,2})?$"300.00"
FGTS balance pledged as collateral (decimal string, BRL). Optional individually; at least one of the three garantia values is required when temGarantias is true.
13^[0-9]+(\.[0-9]{1,2})?$"600.00"
Respuesta
OK
Payroll competência of the first deduction, yyyyMM.
"202507"
The rail's own identity for this operation.
"34006311"
Every contract the rail confirmed as quitado by this refinanciamento.
The rail's own message.
"Refinanciamento realizado com sucesso"
The new contract's number, as confirmed by the rail.
"99999999999ARN1"

