CltApplication

{
    "application_id": "3f6a1b2c-8d4e-4f10-9a7b-2c5e6d8f0a13",
    "api_external_id": "PEDIDO-2026-0001",
    "status": "AWAITING_AUTHORIZATION",
    "cpf": "12345678901",
    "customer_name": "MARIA SOUZA LIMA",
    "customer": {
        "provided": [
            "CPF"
        ],
        "missing_for_more_offers": [
            "CPF"
        ]
    },
    "authorization": {
        "status": "AUTHORIZED",
        "checked_at": "2026-08-09T12:00:00Z",
        "valid_until": "2027-08-09T12:00:00Z",
        "reason": "O trabalhador ainda não autorizou a consulta na CTPS Digital.",
        "consent_url": "https://app.unnotech.com.br/termo/f39539b7-3e07-4527-bda0-1881bda5c0e1"
    },
    "employments": [
        {
            "employment_id": "emp_7c1f4a92e8b3",
            "employer_name": "ACME INDUSTRIA LTDA",
            "employer_document": "12345678000199",
            "available_margin": 480,
            "admission_date": "2019-03-04",
            "occupation": "Analista de sistemas",
            "employer_activity_start_date": "2011-08-15",
            "registration": "0049400582",
            "gross_earnings": 3200,
            "base_margin_value": 2265.72,
            "termination_date": "2026-08-12",
            "active_loans_count": 2,
            "active_loans_limit": 9,
            "alerts": [
                {
                    "code": "LICENCA_MEDICA",
                    "message": "Trabalhador em licença médica desde 2026-07-01."
                }
            ],
            "eligibility": "ELIGIBLE",
            "ineligibility_reason": {
                "code": 4,
                "description": "Vínculo com data de desligamento"
            },
            "ineligibility_message": "Este vínculo tem R$ 793,00 de margem, mas a Dataprev não autoriza contratação nele: empréstimo legado registrado no eSocial.",
            "dataprev_metadata_source": "Celcoin",
            "dataprev_metadata": {
                "unauthorization_reason": {
                    "code": 4,
                    "description": "Vínculo com data de desligamento"
                },
                "base_margin_value": "0",
                "total_earnings": "0"
            }
        }
    ],
    "margin_failure_reason": "ARRANQUE_DA_CONSULTA_FALHOU",
    "simulation": {
        "simulation_id": "a1c9e73f-2b48-4d15-9c60-7e3f8b2a4d51",
        "round": 1,
        "employment_id": "emp_7c1f4a92e8b3",
        "basis": "MAX_AVAILABLE",
        "net_amount": 5000,
        "installment_amount": 260
    },
    "next_simulation_in_seconds": 42,
    "quotes_pending": 0,
    "quotes": [
        {
            "source": "CELCOIN",
            "status": "PENDING",
            "reason": "Campos ausentes: NAME, BIRTH_DATE"
        }
    ],
    "offers": [
        {
            "offer_id": "of_9f2c41a7e8b34d61",
            "source": "CELCOIN",
            "table_name": "CLT PRICE 24",
            "table_id": "3f1b7c2e-9a44-4c1d-8e57-6b2d0f9a1c34",
            "common_name": "JURERÊ",
            "status": "AVAILABLE",
            "net_amount": 4980.12,
            "total_amount": 6240,
            "installment_amount": 260,
            "installment_count": 24,
            "monthly_interest_rate": 1.79,
            "first_due_date": "2026-09-10",
            "iof": 84.3,
            "cet_monthly": 2.05,
            "cet_annual": 27.55,
            "insurance_included": false,
            "insurance_amount": 0,
            "expires_at": "2026-08-09T18:45:00Z",
            "rejection_reason": {
                "kind": "REGRA_VIOLADA",
                "code": "IDADE_MINIMA",
                "message": "Cliente não atende à idade mínima exigida para a operação."
            },
            "notices": [
                {
                    "code": "INSTALLMENT_ADJUSTED_TO_FUND_LIMIT",
                    "message": "Valor ajustado ao máximo que o fundo pode ofertar neste prazo. Por isso a oferta pode não bater com o valor pedido na simulação.",
                    "params": {
                        "fund_installment_limit": 324.76,
                        "requested_installment": 463
                    }
                }
            ]
        }
    ],
    "proposal_uuid": "b81c9f30-5a24-4e6d-91f8-7d3a0c5b2e64"
}