CltApplicationList

{
    "data": [
        {
            "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"
        }
    ]
}