{ "success": true, "data": { "credit_simulation": [ { "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "rate_rules": { "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "name": "[TEST] KKB-NCAR", "portofolio_id": "bfa3cd5d-70d7-4fcb-94c6-10e8239f90f2", "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "installment_type_id": "7c2b9a99-76d6-44c7-96ce-beab34a3a184", "tnc": "
  1. Rincian simulasi tersebut bersifat estimasi dan dapat berubah sewaktu-waktu mengikuti kebijakan yang berlaku
  2. Perhitungan diatas sudah termasuk biaya administrasi, fidusia, asuransi kendaraan, tanpa credit protection, tanpa personal accident, dan tanpa asuransi perluasan
  3. Asuransi yang digunakan Komprehensif (All Risk)
  4. Menggunakan perhitungan ADDM
", "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "event_id": null, "min_dp_percentage": 20, "bank_id": "d81da08a-d117-45f8-a195-a1043561a3fe", "min_dp_ev": 20, "created_by": "e0f0eb89-6033-4b62-a5d7-e500fceba073", "created_at": "2025-06-10T07:47:28.852348Z", "updated_at": "2025-06-10T07:47:57.642729Z", "portofolio": { "portofolio_id": "bfa3cd5d-70d7-4fcb-94c6-10e8239f90f2", "name": "MOBIL BARU", "code": "KKB-NCAR", "vehicle_group_id": "844e43ec-7493-41a7-b2ff-b9f1c3c138d4", "vehicle_type_id": "b32b65cb-3a97-4bfb-bf24-07f7cd07457d", "status": "active", "result_type": "Kendaraan", "created_by": "e0f0eb89-6033-4b62-a5d7-e500fceba073", "created_at": "2024-11-20T03:33:36.429623Z", "updated_at": "2025-04-25T08:25:58.922671Z", "vehicle_group": null, "vehicle_type": { "vehicle_type_id": "b32b65cb-3a97-4bfb-bf24-07f7cd07457d", "name": "Mobil Baru", "vehicle_group_id": "844e43ec-7493-41a7-b2ff-b9f1c3c138d4", "code": "003", "code_mapping": "NC", "created_at": "0001-01-01T00:00:00Z", "updated_at": "0001-01-01T00:00:00Z", "vehicle_group": null } }, "vehicle_kind": { "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "name": "Passenger", "created_at": "2024-08-12T10:53:20.157825Z", "updated_at": "2024-08-12T10:53:20.157825Z" }, "installment_type": { "installment_type_id": "7c2b9a99-76d6-44c7-96ce-beab34a3a184", "name": "ADDM", "created_at": "2024-08-16T04:42:24.588173Z", "updated_at": "2024-08-16T04:42:24.588173Z" }, "insurance_type": { "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "name": "TLO", "created_at": "2024-08-14T09:16:43.928523Z", "updated_at": "2024-08-14T09:16:43.928523Z" }, "rate_rules_tenor": [ { "rate_rules_tenor_id": "a8b6a678-a8fb-472d-941f-6ed4f4471ff2", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 1, "flat_rate": 0.01, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, { "rate_rules_tenor_id": "40cac039-8f8a-4bfa-87bb-261c246ebf4d", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 2, "flat_rate": 0.02, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, { "rate_rules_tenor_id": "1ae3ec5f-41bd-4ea9-87be-07716c1ac102", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 3, "flat_rate": 0.03, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, { "rate_rules_tenor_id": "f197e82d-31d7-409a-9c5f-01d44b06f104", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 4, "flat_rate": 0.04, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, { "rate_rules_tenor_id": "7b490617-83ad-45d0-b957-6c179fa65f86", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 5, "flat_rate": 0.05, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null } ], "event": null, "created_by_user": null, "bank": null }, "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "vehicle_kind": { "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "name": "Passenger", "created_at": "2024-08-12T10:53:20.157825Z", "updated_at": "2024-08-12T10:53:20.157825Z" }, "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "insurance_area_id": "d61bf93c-eb39-4dcb-9db4-4854eb0ef1fc", "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "insurance_type": { "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "name": "TLO", "created_at": "2024-08-14T09:16:43.928523Z", "updated_at": "2024-08-14T09:16:43.928523Z" }, "installment_type_id": "7c2b9a99-76d6-44c7-96ce-beab34a3a184", "installment_type": { "installment_type_id": "7c2b9a99-76d6-44c7-96ce-beab34a3a184", "name": "ADDM", "created_at": "2024-08-16T04:42:24.588173Z", "updated_at": "2024-08-16T04:42:24.588173Z" }, "ntf": 639440000, "provisi": 63944, "admin_fee": 3000000, "tenors": [ { "rate_rules_tenor_id": "a8b6a678-a8fb-472d-941f-6ed4f4471ff2", "rate_rules_tenor": { "rate_rules_tenor_id": "a8b6a678-a8fb-472d-941f-6ed4f4471ff2", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 1, "flat_rate": 0.01, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, "ntf_and_interest": 639503944, "installment": 53292000, "depr_rate_value": 1, "depr_rate_id": "789a7c08-2936-46a1-a1e1-71e96b5d4e74", "depr_rate": { "depr_rate_id": "789a7c08-2936-46a1-a1e1-71e96b5d4e74", "tenor": 1, "rate": 1, "created_at": "2024-08-16T03:21:59.022402Z", "updated_at": "2024-08-16T03:21:59.022402Z" }, "vehicle_value_in_year": 799300000, "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "insurance_premium": { "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "premi": 0.0024999999441206455, "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "insurance_area_id": "d61bf93c-eb39-4dcb-9db4-4854eb0ef1fc", "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "event_id": null, "created_by": null, "created_at": "2024-08-20T05:46:01.232965Z", "updated_at": "2024-08-20T05:46:01.232965Z", "vehicle_kind": { "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "name": "Passenger", "created_at": "2024-08-12T10:53:20.157825Z", "updated_at": "2024-08-12T10:53:20.157825Z" }, "usage_category": { "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "name": "passenger", "created_at": "2024-08-12T06:48:56.044018Z", "updated_at": "2024-08-12T06:48:56.044018Z" }, "insurance_area": null, "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_type": { "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "name": "TLO", "created_at": "2024-08-14T09:16:43.928523Z", "updated_at": "2024-08-14T09:16:43.928523Z" }, "event": null, "user": null }, "premi": 0.0024999999441206455, "premi_insurance_in_year": 1998250, "insurance_costs": 1998250, "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "fiducia_fee": { "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "value": 915000, "minimal": 500000001, "maximal": 1000000000, "event_id": null, "created_by": null, "created_at": "2024-08-16T04:38:28.498318Z", "updated_at": "2024-08-16T04:38:28.498318Z", "event": null, "user": null }, "tdp": 219129194, "total_disbursement": 580170806 }, { "rate_rules_tenor_id": "40cac039-8f8a-4bfa-87bb-261c246ebf4d", "rate_rules_tenor": { "rate_rules_tenor_id": "40cac039-8f8a-4bfa-87bb-261c246ebf4d", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 2, "flat_rate": 0.02, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, "ntf_and_interest": 639695776, "installment": 26654000, "depr_rate_value": 0.8500000238418579, "depr_rate_id": "c0927ddd-bca9-4a33-87c2-ee0fcbd47e30", "depr_rate": { "depr_rate_id": "c0927ddd-bca9-4a33-87c2-ee0fcbd47e30", "tenor": 2, "rate": 0.8500000238418579, "created_at": "2024-08-16T03:22:42.705569Z", "updated_at": "2024-08-16T03:22:42.705569Z" }, "vehicle_value_in_year": 679405000, "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "insurance_premium": { "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "premi": 0.0024999999441206455, "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "insurance_area_id": "d61bf93c-eb39-4dcb-9db4-4854eb0ef1fc", "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "event_id": null, "created_by": null, "created_at": "2024-08-20T05:46:01.232965Z", "updated_at": "2024-08-20T05:46:01.232965Z", "vehicle_kind": { "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "name": "Passenger", "created_at": "2024-08-12T10:53:20.157825Z", "updated_at": "2024-08-12T10:53:20.157825Z" }, "usage_category": { "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "name": "passenger", "created_at": "2024-08-12T06:48:56.044018Z", "updated_at": "2024-08-12T06:48:56.044018Z" }, "insurance_area": null, "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_type": { "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "name": "TLO", "created_at": "2024-08-14T09:16:43.928523Z", "updated_at": "2024-08-14T09:16:43.928523Z" }, "event": null, "user": null }, "premi": 0.0024999999441206455, "premi_insurance_in_year": 1698513, "insurance_costs": 3696763, "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "fiducia_fee": { "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "value": 915000, "minimal": 500000001, "maximal": 1000000000, "event_id": null, "created_by": null, "created_at": "2024-08-16T04:38:28.498318Z", "updated_at": "2024-08-16T04:38:28.498318Z", "event": null, "user": null }, "tdp": 194189707, "total_disbursement": 605110293 }, { "rate_rules_tenor_id": "1ae3ec5f-41bd-4ea9-87be-07716c1ac102", "rate_rules_tenor": { "rate_rules_tenor_id": "1ae3ec5f-41bd-4ea9-87be-07716c1ac102", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 3, "flat_rate": 0.03, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, "ntf_and_interest": 640015496, "installment": 17779000, "depr_rate_value": 0.75, "depr_rate_id": "f9f6e191-7dbf-4f16-9368-7dbbdc0a86a9", "depr_rate": { "depr_rate_id": "f9f6e191-7dbf-4f16-9368-7dbbdc0a86a9", "tenor": 3, "rate": 0.75, "created_at": "2024-08-16T03:22:42.705569Z", "updated_at": "2024-08-16T03:22:42.705569Z" }, "vehicle_value_in_year": 599475000, "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "insurance_premium": { "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "premi": 0.0024999999441206455, "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "insurance_area_id": "d61bf93c-eb39-4dcb-9db4-4854eb0ef1fc", "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "event_id": null, "created_by": null, "created_at": "2024-08-20T05:46:01.232965Z", "updated_at": "2024-08-20T05:46:01.232965Z", "vehicle_kind": { "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "name": "Passenger", "created_at": "2024-08-12T10:53:20.157825Z", "updated_at": "2024-08-12T10:53:20.157825Z" }, "usage_category": { "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "name": "passenger", "created_at": "2024-08-12T06:48:56.044018Z", "updated_at": "2024-08-12T06:48:56.044018Z" }, "insurance_area": null, "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_type": { "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "name": "TLO", "created_at": "2024-08-14T09:16:43.928523Z", "updated_at": "2024-08-14T09:16:43.928523Z" }, "event": null, "user": null }, "premi": 0.0024999999441206455, "premi_insurance_in_year": 1498688, "insurance_costs": 5195451, "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "fiducia_fee": { "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "value": 915000, "minimal": 500000001, "maximal": 1000000000, "event_id": null, "created_by": null, "created_at": "2024-08-16T04:38:28.498318Z", "updated_at": "2024-08-16T04:38:28.498318Z", "event": null, "user": null }, "tdp": 186813395, "total_disbursement": 612486605 }, { "rate_rules_tenor_id": "f197e82d-31d7-409a-9c5f-01d44b06f104", "rate_rules_tenor": { "rate_rules_tenor_id": "f197e82d-31d7-409a-9c5f-01d44b06f104", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 4, "flat_rate": 0.04, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, "ntf_and_interest": 640463104, "installment": 13343000, "depr_rate_value": 0.699999988079071, "depr_rate_id": "a7dd721f-9e64-4a25-a059-6be485ccfd00", "depr_rate": { "depr_rate_id": "a7dd721f-9e64-4a25-a059-6be485ccfd00", "tenor": 4, "rate": 0.699999988079071, "created_at": "2024-08-16T03:22:42.705569Z", "updated_at": "2024-08-16T03:22:42.705569Z" }, "vehicle_value_in_year": 559510000, "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "insurance_premium": { "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "premi": 0.0024999999441206455, "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "insurance_area_id": "d61bf93c-eb39-4dcb-9db4-4854eb0ef1fc", "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "event_id": null, "created_by": null, "created_at": "2024-08-20T05:46:01.232965Z", "updated_at": "2024-08-20T05:46:01.232965Z", "vehicle_kind": { "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "name": "Passenger", "created_at": "2024-08-12T10:53:20.157825Z", "updated_at": "2024-08-12T10:53:20.157825Z" }, "usage_category": { "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "name": "passenger", "created_at": "2024-08-12T06:48:56.044018Z", "updated_at": "2024-08-12T06:48:56.044018Z" }, "insurance_area": null, "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_type": { "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "name": "TLO", "created_at": "2024-08-14T09:16:43.928523Z", "updated_at": "2024-08-14T09:16:43.928523Z" }, "event": null, "user": null }, "premi": 0.0024999999441206455, "premi_insurance_in_year": 1398775, "insurance_costs": 6594226, "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "fiducia_fee": { "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "value": 915000, "minimal": 500000001, "maximal": 1000000000, "event_id": null, "created_by": null, "created_at": "2024-08-16T04:38:28.498318Z", "updated_at": "2024-08-16T04:38:28.498318Z", "event": null, "user": null }, "tdp": 183776170, "total_disbursement": 615523830 }, { "rate_rules_tenor_id": "7b490617-83ad-45d0-b957-6c179fa65f86", "rate_rules_tenor": { "rate_rules_tenor_id": "7b490617-83ad-45d0-b957-6c179fa65f86", "rate_rules_id": "e67b3344-a821-4713-99bf-a1cb8798ac8a", "tenor": 5, "flat_rate": 0.05, "created_at": "2025-06-10T07:47:57.644977Z", "updated_at": "2025-06-10T07:47:57.644977Z", "rate_rules": null }, "ntf_and_interest": 641038600, "installment": 10684000, "depr_rate_value": 0.6499999761581421, "depr_rate_id": "23975d3d-1a7e-4ff5-9f86-75f146cb115a", "depr_rate": { "depr_rate_id": "23975d3d-1a7e-4ff5-9f86-75f146cb115a", "tenor": 5, "rate": 0.6499999761581421, "created_at": "2024-08-16T03:22:42.705569Z", "updated_at": "2024-08-16T03:22:42.705569Z" }, "vehicle_value_in_year": 519545000, "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "insurance_premium": { "insurance_premium_id": "bdf178b2-eb4c-480f-9d91-d7097224f333", "premi": 0.0024999999441206455, "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "insurance_area_id": "d61bf93c-eb39-4dcb-9db4-4854eb0ef1fc", "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "event_id": null, "created_by": null, "created_at": "2024-08-20T05:46:01.232965Z", "updated_at": "2024-08-20T05:46:01.232965Z", "vehicle_kind": { "vehicle_kind_id": "48560a88-0d29-46a9-851e-44a72d1f4132", "name": "Passenger", "created_at": "2024-08-12T10:53:20.157825Z", "updated_at": "2024-08-12T10:53:20.157825Z" }, "usage_category": { "usage_cat_id": "256bac28-0d06-495d-adf3-8f245a3b9bf6", "name": "passenger", "created_at": "2024-08-12T06:48:56.044018Z", "updated_at": "2024-08-12T06:48:56.044018Z" }, "insurance_area": null, "premium_grade": { "premium_grade_id": "1088f5be-f9af-4c2c-8cef-2f41977b3954", "name": "400 sd 800", "minimal": 400000001, "maximal": 800000000, "creted_by": null, "created_at": "2024-08-14T09:09:05.528859Z", "updated_at": "2024-08-14T09:09:05.528859Z", "created_by_user": null }, "insurance_type": { "insurance_type_id": "2c8b32b0-058d-436a-bea7-a91480861de4", "name": "TLO", "created_at": "2024-08-14T09:16:43.928523Z", "updated_at": "2024-08-14T09:16:43.928523Z" }, "event": null, "user": null }, "premi": 0.0024999999441206455, "premi_insurance_in_year": 1298863, "insurance_costs": 7893089, "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "fiducia_fee": { "fiducia_fee_id": "89b49465-45e0-4897-bd5b-3c214d1f60c6", "value": 915000, "minimal": 500000001, "maximal": 1000000000, "event_id": null, "created_by": null, "created_at": "2024-08-16T04:38:28.498318Z", "updated_at": "2024-08-16T04:38:28.498318Z", "event": null, "user": null }, "tdp": 182416033, "total_disbursement": 616883967 } ], "min_dp_percentage": 20, "dp": 159860000 } ], "unavailable_credit_simulation": [] }, "message": "Success", "errors": null }