chore: deploy web_comercial from monorepo

.dockerignore

@@ -0,0 +1,3 @@
+**/.next
+**/node_modules
+**/.DS_Store

Dockerfile

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+FROM node:22-alpine AS builder
+WORKDIR /workspace
+
+COPY apps/web_comercial ./apps/web_comercial
+COPY packages/simulation-engine ./packages/simulation-engine
+
+RUN npm ci --prefix apps/web_comercial
+RUN npm --prefix apps/web_comercial run build
+
+FROM node:22-alpine AS runner
+WORKDIR /workspace
+ENV NODE_ENV=production
+ENV PORT=7860
+ENV HOSTNAME=0.0.0.0
+
+COPY --from=builder /workspace/apps/web_comercial ./apps/web_comercial
+COPY --from=builder /workspace/packages/simulation-engine ./packages/simulation-engine
+
+EXPOSE 7860
+CMD ["sh", "-c", "cd apps/web_comercial && npm run start -- -H 0.0.0.0 -p 7860"]

README.md

@@ -1,10 +1,10 @@
 ---
-title: Bumachar Doc Chat
-emoji: ⚡
+title: Simulador Consorcio
+aemoji: chart_with_upwards_trend
 colorFrom: blue
 colorTo: indigo
 sdk: docker
 pinned: false
 ---
 
-Check out the configuration reference at https://huggingface.co/docs/hub/spaces-config-reference
+Docker Space para executar `apps/web_comercial` com o pacote interno `packages/simulation-engine`.

apps/web_comercial/.gitignore

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+# See https://help.github.com/articles/ignoring-files/ for more about ignoring files.
+
+# dependencies
+/node_modules
+/.pnp
+.pnp.*
+.yarn/*
+!.yarn/patches
+!.yarn/plugins
+!.yarn/releases
+!.yarn/versions
+
+# testing
+/coverage
+
+# next.js
+/.next/
+/out/
+
+# production
+/build
+
+# misc
+.DS_Store
+*.pem
+
+# debug
+npm-debug.log*
+yarn-debug.log*
+yarn-error.log*
+.pnpm-debug.log*
+
+# env files (can opt-in for committing if needed)
+.env*
+
+# vercel
+.vercel
+
+# typescript
+*.tsbuildinfo
+next-env.d.ts

apps/web_comercial/README.md

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+# Web App - Simulador Consorcio
+
+Aplicacao Next.js que consome o motor deterministico interno `@simulador-consorcio/simulation-engine`.
+
+## Desenvolvimento
+
+```bash
+npm run dev
+```
+
+## Qualidade
+
+```bash
+npm run lint
+npm run build
+```

apps/web_comercial/eslint.config.mjs

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+import { defineConfig, globalIgnores } from "eslint/config";
+import nextVitals from "eslint-config-next/core-web-vitals";
+import nextTs from "eslint-config-next/typescript";
+
+const eslintConfig = defineConfig([
+  ...nextVitals,
+  ...nextTs,
+  // Override default ignores of eslint-config-next.
+  globalIgnores([
+    // Default ignores of eslint-config-next:
+    ".next/**",
+    "out/**",
+    "build/**",
+    "next-env.d.ts",
+  ]),
+]);
+
+export default eslintConfig;

apps/web_comercial/next.config.ts

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+import type { NextConfig } from "next";
+
+const nextConfig: NextConfig = {
+  transpilePackages: ["@simulador-consorcio/simulation-engine"],
+  experimental: {
+    externalDir: true,
+  },
+};
+
+export default nextConfig;

apps/web_comercial/package.json

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+{
+  "name": "consorcio-simulator-app",
+  "version": "0.1.0",
+  "private": true,
+  "scripts": {
+    "dev": "next dev",
+    "build": "next build --webpack",
+    "start": "next start",
+    "lint": "eslint"
+  },
+  "dependencies": {
+    "next": "16.1.6",
+    "react": "19.2.3",
+    "react-dom": "19.2.3",
+    "@simulador-consorcio/simulation-engine": "file:../../packages/simulation-engine"
+  },
+  "devDependencies": {
+    "@tailwindcss/postcss": "^4",
+    "@types/node": "^20",
+    "@types/react": "^19",
+    "@types/react-dom": "^19",
+    "eslint": "^9",
+    "eslint-config-next": "16.1.6",
+    "tailwindcss": "^4",
+    "typescript": "^5"
+  }
+}

apps/web_comercial/postcss.config.mjs

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+const config = {
+  plugins: {
+    "@tailwindcss/postcss": {},
+  },
+};
+
+export default config;

apps/web_comercial/src/app/globals.css

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+@import "tailwindcss";
+
+:root {
+  --background: #ffffff;
+  --foreground: #171717;
+}
+
+@theme inline {
+  --color-background: var(--background);
+  --color-foreground: var(--foreground);
+  --font-sans: "Inter", "Segoe UI", "Roboto", "Helvetica Neue", Arial, sans-serif;
+  --font-mono: "SFMono-Regular", "Menlo", "Monaco", "Consolas", "Liberation Mono", monospace;
+}
+
+@media (prefers-color-scheme: dark) {
+  :root {
+    --background: #0a0a0a;
+    --foreground: #ededed;
+  }
+}
+
+body {
+  background: var(--background);
+  color: var(--foreground);
+  font-family: var(--font-sans);
+}

apps/web_comercial/src/app/layout.tsx

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+import type { Metadata } from "next";
+import "./globals.css";
+
+export const metadata: Metadata = {
+  title: "Apex Consorcios | Simulador",
+  description: "Simulador deterministico de consorcio imobiliario",
+};
+
+export default function RootLayout({
+  children,
+}: Readonly<{
+  children: React.ReactNode;
+}>) {
+  return (
+    <html lang="pt-BR">
+      <body className="antialiased">{children}</body>
+    </html>
+  );
+}

apps/web_comercial/src/app/page.tsx

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+import { SimulatorForm } from "@/components/simulator/SimulatorForm";
+
+export default function Home() {
+  return (
+    <div className="min-h-screen bg-black text-white selection:bg-blue-500/30">
+      <div className="absolute inset-0 z-0 bg-[radial-gradient(ellipse_at_top,_var(--tw-gradient-stops))] from-blue-900/20 via-black to-black"></div>
+
+      <main className="relative z-10 flex flex-col items-center min-h-screen p-8 sm:p-20 font-sans">
+        <header className="w-full max-w-6xl flex justify-between items-center mb-16 animate-in slide-in-from-top-8 duration-700">
+          <div className="flex items-center gap-3">
+            <div className="w-10 h-10 bg-gradient-to-tr from-blue-600 to-indigo-500 rounded-xl flex items-center justify-center shadow-lg shadow-blue-500/20">
+              <svg
+                className="w-6 h-6 text-white"
+                fill="none"
+                stroke="currentColor"
+                viewBox="0 0 24 24"
+              >
+                <path
+                  strokeLinecap="round"
+                  strokeLinejoin="round"
+                  strokeWidth="2"
+                  d="M19 21V5a2 2 0 00-2-2H7a2 2 0 00-2 2v16m14 0h2m-2 0h-5m-9 0H3m2 0h5M9 7h1m-1 4h1m4-4h1m-1 4h1m-5 10v-5a1 1 0 011-1h2a1 1 0 011 1v5m-4 0h4"
+                ></path>
+              </svg>
+            </div>
+            <h1 className="text-xl font-bold tracking-tight text-transparent bg-clip-text bg-gradient-to-r from-white to-gray-400">
+              Apex Consórcios
+            </h1>
+          </div>
+          <nav className="hidden md:flex gap-6 text-sm font-medium text-gray-400">
+            <a
+              href="#"
+              className="text-white hover:text-blue-400 transition-colors"
+            >
+              Simulador
+            </a>
+            <a href="#" className="hover:text-blue-400 transition-colors">
+              Mercado Secundário
+            </a>
+            <a href="#" className="hover:text-blue-400 transition-colors">
+              Configurações
+            </a>
+          </nav>
+        </header>
+
+        <section className="w-full flex-grow flex flex-col items-center mt-8">
+          <div className="text-center max-w-3xl mb-16 animate-in zoom-in-95 duration-700 delay-150">
+            <h2 className="text-5xl md:text-6xl font-extrabold tracking-tighter mb-6 leading-tight">
+              Simule o futuro do seu{" "}
+              <span className="text-transparent bg-clip-text bg-gradient-to-r from-blue-400 to-indigo-500">
+                patrimônio
+              </span>
+            </h2>
+            <p className="text-lg md:text-xl text-gray-400 max-w-2xl mx-auto leading-relaxed">
+              O modelo determinístico oficial da Rodobens parametrizado para
+              viabilidade primária e revenda secundária.
+            </p>
+          </div>
+
+          <SimulatorForm />
+        </section>
+
+        <footer className="w-full max-w-6xl mt-24 pt-8 border-t border-white/10 text-center text-sm text-gray-500 flex justify-between items-center">
+          <p>© 2026 Apex Consórcios. Motor Baseado em Regras Rodobens.</p>
+          <div className="flex gap-4">
+            <span className="flex items-center gap-1.5">
+              <div className="w-2 h-2 rounded-full bg-emerald-500"></div> API
+              Determinística Ativa
+            </span>
+          </div>
+        </footer>
+      </main>
+    </div>
+  );
+}

apps/web_comercial/src/components/simulator/SimulatorForm.tsx

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+"use client";
+
+import { useState } from "react";
+import { calcularSimulacao } from "@simulador-consorcio/simulation-engine";
+import {
+  type ParametrosPlano,
+  type ResultadoSimulacao,
+  type SimulacaoInput,
+} from "@simulador-consorcio/simulation-engine";
+
+export function SimulatorForm() {
+  const [credito, setCredito] = useState<number>(300000);
+  const [prazo, setPrazo] = useState<number>(180);
+  const [temLance, setTemLance] = useState<boolean>(false);
+  const [lancePercentual, setLancePercentual] = useState<number>(30);
+  const [resultado, setResultado] = useState<ResultadoSimulacao | null>(null);
+
+  const formatCurrency = (value: number) => {
+    return new Intl.NumberFormat("pt-BR", {
+      style: "currency",
+      currency: "BRL",
+    }).format(value);
+  };
+
+  const handleSimular = () => {
+    const parametros: ParametrosPlano = {
+      id_plano: "PADRAO",
+      nome_plano: "Plano Padrão Imóvel",
+      prazo_meses: prazo,
+      taxa_administracao_total: 0.15, // 15%
+      fundo_reserva_mensal: 0.0005, // 0.05%
+      seguro_prestamista: 0.035, // 3.5%
+    };
+
+    const input: SimulacaoInput = {
+      credito_desejado: credito,
+      parametros,
+      tem_lance: temLance,
+      lance_percentual: temLance ? lancePercentual / 100 : undefined,
+    };
+
+    const res = calcularSimulacao(input);
+    setResultado(res);
+  };
+
+  return (
+    <div className="flex flex-col md:flex-row gap-8 w-full max-w-6xl mx-auto p-4">
+      {/* Formulário */}
+      <div className="w-full md:w-1/2 bg-white/5 backdrop-blur-xl border border-white/10 rounded-3xl p-8 shadow-2xl transition-all hover:shadow-[0_0_40px_rgba(59,130,246,0.15)]">
+        <h2 className="text-2xl font-semibold mb-6 text-white tracking-tight">
+          Novo Cenário
+        </h2>
+
+        <div className="space-y-6">
+          <div>
+            <label className="block text-sm font-medium text-gray-300 mb-2">
+              Crédito Desejado (R$)
+            </label>
+            <input
+              type="number"
+              value={credito}
+              onChange={(e) => setCredito(Number(e.target.value))}
+              step="10000"
+              className="w-full bg-black/20 border border-gray-700 text-white rounded-xl px-4 py-3 focus:outline-none focus:ring-2 focus:ring-blue-500 transition-all font-mono"
+            />
+          </div>
+
+          <div>
+            <label className="block text-sm font-medium text-gray-300 mb-2">
+              Prazo (Meses)
+            </label>
+            <select
+              value={prazo}
+              onChange={(e) => setPrazo(Number(e.target.value))}
+              className="w-full bg-black/20 border border-gray-700 text-white rounded-xl px-4 py-3 focus:outline-none focus:ring-2 focus:ring-blue-500 appearance-none transition-all"
+            >
+              <option value="120">120 meses</option>
+              <option value="150">150 meses</option>
+              <option value="180">180 meses</option>
+              <option value="216">216 meses</option>
+            </select>
+          </div>
+
+          <div className="flex items-center space-x-3 pt-2">
+            <button
+              type="button"
+              onClick={() => setTemLance(!temLance)}
+              className={`relative inline-flex h-6 w-11 items-center rounded-full transition-colors ${temLance ? "bg-blue-600" : "bg-gray-600"}`}
+            >
+              <span
+                className={`inline-block h-4 w-4 transform rounded-full bg-white transition-transform ${temLance ? "translate-x-6" : "translate-x-1"}`}
+              />
+            </button>
+            <label
+              className="text-sm font-medium text-gray-300 cursor-pointer"
+              onClick={() => setTemLance(!temLance)}
+            >
+              Incluir Lance
+            </label>
+          </div>
+
+          {temLance && (
+            <div className="animate-in fade-in slide-in-from-top-4 duration-300">
+              <label className="block text-sm font-medium text-gray-300 mb-2">
+                Percentual de Lance (%)
+              </label>
+              <input
+                type="number"
+                value={lancePercentual}
+                onChange={(e) => setLancePercentual(Number(e.target.value))}
+                min="10"
+                max="80"
+                className="w-full bg-black/20 border border-gray-700 text-white rounded-xl px-4 py-3 focus:outline-none focus:ring-2 focus:ring-blue-500 transition-all"
+              />
+            </div>
+          )}
+
+          <button
+            onClick={handleSimular}
+            className="w-full mt-8 bg-gradient-to-r from-blue-600 to-indigo-600 hover:from-blue-500 hover:to-indigo-500 text-white font-medium py-4 px-6 rounded-xl shadow-[0_0_20px_rgba(79,70,229,0.3)] hover:shadow-[0_0_30px_rgba(79,70,229,0.5)] transition-all transform hover:-translate-y-0.5 active:translate-y-0"
+          >
+            Calcular Cenário
+          </button>
+        </div>
+      </div>
+
+      {/* Resultados */}
+      <div className="w-full md:w-1/2 flex flex-col gap-6">
+        {resultado ? (
+          <div className="animate-in fade-in zoom-in-95 duration-500 space-y-6">
+            <div className="bg-gradient-to-br from-indigo-900/40 to-blue-900/20 border border-blue-500/30 rounded-3xl p-8 shadow-xl backdrop-blur-md">
+              <h3 className="text-lg text-blue-300 font-medium mb-1">
+                Parcela Integral (100%)
+              </h3>
+              <div className="text-5xl font-bold text-white tracking-tighter mb-6">
+                {formatCurrency(resultado.parcela_integral.total)}
+              </div>
+
+              <div className="grid grid-cols-2 gap-4 text-sm">
+                <div className="bg-black/20 p-3 rounded-lg border border-white/5">
+                  <div className="text-gray-400 mb-1">Fundo Comum</div>
+                  <div className="text-white font-mono">
+                    {formatCurrency(resultado.parcela_integral.fundo_comum)}
+                  </div>
+                </div>
+                <div className="bg-black/20 p-3 rounded-lg border border-white/5">
+                  <div className="text-gray-400 mb-1">Taxa Admin (TA)</div>
+                  <div className="text-white font-mono">
+                    {formatCurrency(
+                      resultado.parcela_integral.taxa_administracao,
+                    )}
+                  </div>
+                </div>
+                <div className="bg-black/20 p-3 rounded-lg border border-white/5">
+                  <div className="text-gray-400 mb-1">Seguro/Outros</div>
+                  <div className="text-white font-mono">
+                    {formatCurrency(
+                      resultado.parcela_integral.seguro +
+                        resultado.parcela_integral.fundo_reserva,
+                    )}
+                  </div>
+                </div>
+                <div className="bg-black/20 p-3 rounded-lg border border-white/5">
+                  <div className="text-gray-400 mb-1">Prazo</div>
+                  <div className="text-white font-mono">
+                    {resultado.prazo} meses
+                  </div>
+                </div>
+              </div>
+            </div>
+
+            {resultado.parcela_reduzida && (
+              <div className="bg-white/5 backdrop-blur-xl border border-white/10 rounded-3xl p-6 shadow-lg hover:bg-white/10 transition-colors">
+                <h3 className="text-sm text-gray-400 font-medium mb-1">
+                  Parcela Reduzida (Ate a contemplacao)
+                </h3>
+                <div className="text-3xl font-bold text-emerald-400 tracking-tight">
+                  {formatCurrency(resultado.parcela_reduzida.total)}
+                </div>
+              </div>
+            )}
+
+            {resultado.valor_lance && resultado.prazo_apos_lance && (
+              <div className="bg-gradient-to-r from-amber-900/30 to-orange-900/20 border border-orange-500/30 rounded-3xl p-6 shadow-lg backdrop-blur-md">
+                <h3 className="text-sm text-orange-300 font-medium mb-4 flex items-center gap-2">
+                  <svg
+                    className="w-5 h-5"
+                    fill="none"
+                    stroke="currentColor"
+                    viewBox="0 0 24 24"
+                  >
+                    <path
+                      strokeLinecap="round"
+                      strokeLinejoin="round"
+                      strokeWidth="2"
+                      d="M13 10V3L4 14h7v7l9-11h-7z"
+                    ></path>
+                  </svg>
+                  Projeção com Lance
+                </h3>
+                <div className="grid grid-cols-2 gap-4">
+                  <div>
+                    <div className="text-gray-400 text-xs uppercase tracking-wider mb-1">
+                      Valor do Lance
+                    </div>
+                    <div className="text-2xl font-semibold text-white">
+                      {formatCurrency(resultado.valor_lance)}
+                    </div>
+                  </div>
+                  <div>
+                    <div className="text-gray-400 text-xs uppercase tracking-wider mb-1">
+                      Prazo Reduzido
+                    </div>
+                    <div className="text-2xl font-semibold text-white">
+                      {resultado.prazo_apos_lance} meses
+                    </div>
+                  </div>
+                </div>
+              </div>
+            )}
+          </div>
+        ) : (
+          <div className="h-full w-full flex items-center justify-center border-2 border-dashed border-gray-700/50 rounded-3xl p-12 text-center text-gray-500">
+            <div className="max-w-xs">
+              <svg
+                className="w-12 h-12 mx-auto mb-4 opacity-50 text-gray-400"
+                fill="none"
+                viewBox="0 0 24 24"
+                stroke="currentColor"
+              >
+                <path
+                  strokeLinecap="round"
+                  strokeLinejoin="round"
+                  strokeWidth="1"
+                  d="M9 17v-2m3 2v-4m3 4v-6m2 10H7a2 2 0 01-2-2V5a2 2 0 012-2h5.586a1 1 0 01.707.293l5.414 5.414a1 1 0 01.293.707V19a2 2 0 01-2 2z"
+                />
+              </svg>
+              <p>
+                Ajuste os parâmetros e clique em &quot;Calcular Cenario&quot; para exibir
+                as projeções.
+              </p>
+            </div>
+          </div>
+        )}
+      </div>
+    </div>
+  );
+}

apps/web_comercial/tsconfig.json

@@ -0,0 +1,42 @@
+{
+  "compilerOptions": {
+    "target": "ES2017",
+    "lib": [
+      "dom",
+      "dom.iterable",
+      "esnext"
+    ],
+    "allowJs": true,
+    "skipLibCheck": true,
+    "strict": true,
+    "noEmit": true,
+    "esModuleInterop": true,
+    "module": "esnext",
+    "moduleResolution": "bundler",
+    "resolveJsonModule": true,
+    "isolatedModules": true,
+    "jsx": "react-jsx",
+    "incremental": true,
+    "plugins": [
+      {
+        "name": "next"
+      }
+    ],
+    "paths": {
+      "@/*": [
+        "./src/*"
+      ]
+    }
+  },
+  "include": [
+    "next-env.d.ts",
+    "**/*.ts",
+    "**/*.tsx",
+    ".next/types/**/*.ts",
+    ".next/dev/types/**/*.ts",
+    "**/*.mts"
+  ],
+  "exclude": [
+    "node_modules"
+  ]
+}

packages/simulation-engine/package.json

@@ -0,0 +1,14 @@
+{
+  "name": "@simulador-consorcio/simulation-engine",
+  "version": "0.1.0",
+  "private": true,
+  "type": "module",
+  "main": "./src/index.js",
+  "exports": {
+    ".": "./src/index.js"
+  },
+  "types": "./src/index.d.ts",
+  "scripts": {
+    "test": "node --test tests/*.test.js"
+  }
+}

packages/simulation-engine/src/index.d.ts

@@ -0,0 +1,34 @@
+export interface ParametrosPlano {
+  id_plano: string;
+  nome_plano: string;
+  prazo_meses: number;
+  taxa_administracao_total: number;
+  fundo_reserva_mensal: number;
+  seguro_prestamista: number;
+}
+
+export interface SimulacaoInput {
+  credito_desejado: number;
+  parametros: ParametrosPlano;
+  tem_lance: boolean;
+  lance_percentual?: number;
+}
+
+export interface ResultadoParcela {
+  fundo_comum: number;
+  taxa_administracao: number;
+  fundo_reserva: number;
+  seguro: number;
+  total: number;
+}
+
+export interface ResultadoSimulacao {
+  credito: number;
+  prazo: number;
+  parcela_integral: ResultadoParcela;
+  parcela_reduzida?: ResultadoParcela;
+  valor_lance?: number;
+  prazo_apos_lance?: number;
+}
+
+export declare function calcularSimulacao(input: SimulacaoInput): ResultadoSimulacao;

packages/simulation-engine/src/index.js

@@ -0,0 +1,95 @@
+function ensurePositiveNumber(name, value) {
+  if (typeof value !== "number" || Number.isNaN(value) || value <= 0) {
+    throw new Error(`${name} deve ser um numero maior que zero`);
+  }
+}
+
+function ensureNonNegativeNumber(name, value) {
+  if (typeof value !== "number" || Number.isNaN(value) || value < 0) {
+    throw new Error(`${name} deve ser um numero nao negativo`);
+  }
+}
+
+function validateInput(input) {
+  if (!input || typeof input !== "object") {
+    throw new Error("input invalido");
+  }
+
+  ensurePositiveNumber("credito_desejado", input.credito_desejado);
+
+  if (!input.parametros || typeof input.parametros !== "object") {
+    throw new Error("parametros invalidos");
+  }
+
+  const p = input.parametros;
+
+  ensurePositiveNumber("prazo_meses", p.prazo_meses);
+  ensureNonNegativeNumber("taxa_administracao_total", p.taxa_administracao_total);
+  ensureNonNegativeNumber("fundo_reserva_mensal", p.fundo_reserva_mensal);
+  ensureNonNegativeNumber("seguro_prestamista", p.seguro_prestamista);
+
+  if (input.tem_lance && input.lance_percentual !== undefined) {
+    ensureNonNegativeNumber("lance_percentual", input.lance_percentual);
+  }
+}
+
+export function calcularSimulacao(input) {
+  validateInput(input);
+
+  const { credito_desejado, parametros, tem_lance, lance_percentual } = input;
+  const {
+    prazo_meses,
+    taxa_administracao_total,
+    fundo_reserva_mensal,
+    seguro_prestamista,
+  } = parametros;
+
+  const fcMensal = 1.0 / prazo_meses;
+  const taMensal = taxa_administracao_total / prazo_meses;
+
+  const valorFC = credito_desejado * fcMensal;
+  const valorTA = credito_desejado * taMensal;
+  const valorFR = credito_desejado * fundo_reserva_mensal;
+
+  const valorBaseSeguro =
+    credito_desejado + credito_desejado * taxa_administracao_total;
+  const taxaSeguroMensal = seguro_prestamista / prazo_meses;
+  const valorSeguro = valorBaseSeguro * taxaSeguroMensal;
+
+  const parcelaIntegral = {
+    fundo_comum: valorFC,
+    taxa_administracao: valorTA,
+    fundo_reserva: valorFR,
+    seguro: valorSeguro,
+    total: valorFC + valorTA + valorFR + valorSeguro,
+  };
+
+  const fatorReducao = 0.7;
+  const valorFCReduzido = valorFC * fatorReducao;
+
+  const parcelaReduzida = {
+    fundo_comum: valorFCReduzido,
+    taxa_administracao: valorTA,
+    fundo_reserva: valorFR,
+    seguro: valorSeguro,
+    total: valorFCReduzido + valorTA + valorFR + valorSeguro,
+  };
+
+  let valorLance = 0;
+  let prazoAposLance = prazo_meses;
+
+  if (tem_lance && lance_percentual && lance_percentual > 0) {
+    valorLance = credito_desejado * lance_percentual;
+    const numeroParcelasAntecipadas = Math.floor(valorLance / parcelaIntegral.total);
+    prazoAposLance = Math.max(1, prazo_meses - numeroParcelasAntecipadas);
+  }
+
+  return {
+    credito: credito_desejado,
+    prazo: prazo_meses,
+    parcela_integral: parcelaIntegral,
+    parcela_reduzida: parcelaReduzida,
+    valor_lance: tem_lance ? valorLance : undefined,
+    prazo_apos_lance: tem_lance ? prazoAposLance : undefined,
+  };
+}

packages/simulation-engine/tests/simulation-engine.test.js

@@ -0,0 +1,50 @@
+import test from "node:test";
+import assert from "node:assert/strict";
+import { calcularSimulacao } from "../src/index.js";
+
+const baseInput = {
+  credito_desejado: 300000,
+  parametros: {
+    id_plano: "PADRAO",
+    nome_plano: "Plano Padrao Imovel",
+    prazo_meses: 180,
+    taxa_administracao_total: 0.15,
+    fundo_reserva_mensal: 0.0005,
+    seguro_prestamista: 0.035,
+  },
+  tem_lance: false,
+};
+
+test("calcula parcela integral com valores esperados", () => {
+  const result = calcularSimulacao(baseInput);
+
+  assert.equal(result.prazo, 180);
+  assert.equal(result.credito, 300000);
+  assert.ok(result.parcela_integral.total > 0);
+  assert.equal(Number(result.parcela_integral.fundo_comum.toFixed(2)), 1666.67);
+});
+
+test("calcula cenario com lance e reduz prazo", () => {
+  const result = calcularSimulacao({
+    ...baseInput,
+    tem_lance: true,
+    lance_percentual: 0.3,
+  });
+
+  assert.ok(result.valor_lance);
+  assert.equal(result.valor_lance, 90000);
+  assert.ok(result.prazo_apos_lance);
+  assert.ok(result.prazo_apos_lance < result.prazo);
+});
+
+test("falha quando prazo_meses for invalido", () => {
+  assert.throws(() => {
+    calcularSimulacao({
+      ...baseInput,
+      parametros: {
+        ...baseInput.parametros,
+        prazo_meses: 0,
+      },
+    });
+  }, /prazo_meses/);
+});