{ "artifact_version": "1.0", "source_workbook": "SIMULADOR RODOBENS - BTG 5.xlsm", "rows": [ { "field_id": "partner_name", "plan": "degrau", "section": "header", "source_sheet": null, "source_cell": null, "source_formula": "=IF('Degrau e Degrau Reduzido'!#REF!=\"\",\"\",'Degrau e Degrau Reduzido'!#REF!)", "layout_sheet": "Simulador Degrau", "layout_cell": "D6", "status": "pending", "current_value": "#REF!", "notes": "Único #REF! confirmado do workbook; sem origem homologada." }, { "field_id": "proposal_valid_until", "plan": "degrau", "section": "header", "source_sheet": "Simulador Degrau", "source_cell": "D7", "source_formula": "=TODAY()+3", "layout_sheet": "Simulador Degrau", "layout_cell": "D7", "status": "presentation_only", "current_value": "2026-02-13T00:00:00", "notes": "Regra de apresentação via TODAY()+3." }, { "field_id": "plan_label", "plan": "degrau", "section": "header", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "J36", "source_formula": "=\"Degrau \" &P8", "layout_sheet": "Simulador Degrau", "layout_cell": "C9", "status": "extracted", "current_value": "Degrau Integral", "notes": "Nome comercial do plano derivado de P8." }, { "field_id": "numero_cotas", "plan": "degrau", "section": "input", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "M5", "source_formula": null, "layout_sheet": "Simulador Degrau", "layout_cell": "I46", "status": "extracted", "current_value": 1, "notes": "Fonte numérica em M5; layout final textual em L32/I46." }, { "field_id": "credito_contratado", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "T3", "source_formula": "=P4", "layout_sheet": "Simulador Degrau", "layout_cell": "D33", "status": "extracted", "current_value": 1000000, "notes": "Layout multiplica T3 por M5." }, { "field_id": "lance_total", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "C24", "source_formula": "=IFERROR(S6*M5,\"\")", "layout_sheet": "Simulador Degrau", "layout_cell": "D34", "status": "extracted", "current_value": 650740.7407407408, "notes": "Valor total consolidado do lance." }, { "field_id": "lance_embutido_valor", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "D27", "source_formula": "=T9*M5", "layout_sheet": "Simulador Degrau", "layout_cell": "D35", "status": "extracted", "current_value": 300000, "notes": "Deriva de AD32 = P4 * P10." }, { "field_id": "recurso_proprio", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "C28", "source_formula": "=IFERROR((C24-D27),\"\")", "layout_sheet": "Simulador Degrau", "layout_cell": "D36", "status": "extracted", "current_value": 350740.7407407408, "notes": "Valor residual após lance embutido." }, { "field_id": "primeira_parcela", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "C26", "source_formula": "=S8*M5", "layout_sheet": "Simulador Degrau", "layout_cell": "D37", "status": "extracted", "current_value": 6851.8518518519, "notes": "Escolhe parcela integral ou reduzida conforme o plano." }, { "field_id": "credito_disponivel", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "B42", "source_formula": "=C33", "layout_sheet": "Simulador Degrau", "layout_cell": "D38", "status": "extracted", "current_value": 700000, "notes": "Aponta para C33 na memória de cálculo." }, { "field_id": "credito_liquido", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "C33", "source_formula": "=T15*M5", "layout_sheet": "Simulador Degrau", "layout_cell": "D42", "status": "review", "current_value": 700000, "notes": "Hoje coincide com crédito disponível; requer saneamento semântico." }, { "field_id": "furo", "plan": "degrau", "section": "input", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "M8", "source_formula": null, "layout_sheet": "Simulador Degrau", "layout_cell": "D43", "status": "extracted", "current_value": 0, "notes": "Quantidade de parcelas em atraso/furo." }, { "field_id": "mes_previsto_lance", "plan": "degrau", "section": "input", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "P17", "source_formula": null, "layout_sheet": "Simulador Degrau", "layout_cell": "D44", "status": "review", "current_value": 12, "notes": "Layout rotula como mês de contemplação, mas a origem funcional é mês previsto de lance." }, { "field_id": "seguro_prestamista", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "AD46", "source_formula": null, "layout_sheet": "Simulador Degrau", "layout_cell": "I42", "status": "extracted_partial", "current_value": 0, "notes": "Fórmula de array; manter fixture própria." }, { "field_id": "fundo_reserva", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "AD43", "source_formula": null, "layout_sheet": "Simulador Degrau", "layout_cell": "I43", "status": "extracted", "current_value": 0, "notes": "Atualmente zero." }, { "field_id": "taxa_administracao_mensal_exibida", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "J42", "source_formula": "=ROUND((P6/P5),6)*100 & \" % a.m.\"", "layout_sheet": "Simulador Degrau", "layout_cell": "I44", "status": "review", "current_value": "0,1111 % a.m.", "notes": "Layout mostra taxa mensal em vez de taxa total." }, { "field_id": "taxa_adesao", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "AD42", "source_formula": null, "layout_sheet": "Simulador Degrau", "layout_cell": "I45", "status": "extracted", "current_value": 0, "notes": "Atualmente zero." }, { "field_id": "diluicao_50_faixa_1", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "S11", "source_formula": "=\"de \" & P17+1& \" º até \"&P5*0.5&\"º \"", "layout_sheet": "Simulador Degrau", "layout_cell": "H34", "status": "extracted", "current_value": "de 13 º até 108º ", "notes": "Faixa textual de diluição 50% - primeira metade." }, { "field_id": "diluicao_50_valor_1", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "D29", "source_formula": "=IFERROR(T11*M5,\"\")", "layout_sheet": "Simulador Degrau", "layout_cell": "I34", "status": "extracted", "current_value": 4511.0578204103, "notes": "Valor monetário da primeira faixa de diluição 50%." }, { "field_id": "diluicao_50_faixa_2", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "S12", "source_formula": "=IFERROR(\"de \" & (P5*0.5)+1 &\"º até \" & ROUND((P5-AD36),\"00\")&\"º\",\" \")", "layout_sheet": "Simulador Degrau", "layout_cell": "H35", "status": "extracted", "current_value": "de 109º até 151º", "notes": "Faixa textual de diluição 50% - segunda metade." }, { "field_id": "diluicao_50_valor_2", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "D30", "source_formula": "=IFERROR(T12*M5,\"\")", "layout_sheet": "Simulador Degrau", "layout_cell": "I35", "status": "extracted", "current_value": 2288.8355981881, "notes": "Valor monetário da segunda faixa de diluição 50%." }, { "field_id": "diluicao_100_faixa_1", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "S13", "source_formula": "=\"de \" & P17+1& \" º até \"&P5*0.5&\"º \"", "layout_sheet": "Simulador Degrau", "layout_cell": "H37", "status": "extracted", "current_value": "de 13 º até 108º ", "notes": "Faixa textual de diluição 100% - primeira metade." }, { "field_id": "diluicao_100_valor_1", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "D31", "source_formula": "=IFERROR(T13*M5,\"\")", "layout_sheet": "Simulador Degrau", "layout_cell": "I37", "status": "extracted", "current_value": 3661.9462599855, "notes": "Valor monetário da primeira faixa de diluição 100%." }, { "field_id": "diluicao_100_faixa_2", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "S14", "source_formula": "= \"de \" &(P5/2)+1 & \"º até \" &P5-M8 &\"º \"", "layout_sheet": "Simulador Degrau", "layout_cell": "H38", "status": "extracted", "current_value": "de 109º até 216º ", "notes": "Faixa textual de diluição 100% - segunda metade." }, { "field_id": "diluicao_100_valor_2", "plan": "degrau", "section": "output", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "D32", "source_formula": "=IFERROR(T14*M5,\"\")", "layout_sheet": "Simulador Degrau", "layout_cell": "I38", "status": "extracted", "current_value": 1439.7240377633, "notes": "Valor monetário da segunda faixa de diluição 100%." }, { "field_id": "lance_observacao", "plan": "degrau", "section": "presentation", "source_sheet": "Degrau e Degrau Reduzido", "source_cell": "L35", "source_formula": "=IF(AND(M6=\"Livre\",P5>48),\"Opção de utilizar o lance para quitar até 03 parcelas seguintes à contemplação\",\"Opção de utilizar o lance para quitar até 01 parcela seguinte à contemplação\")", "layout_sheet": "Simulador Degrau", "layout_cell": "B45", "status": "extracted", "current_value": "Opção de utilizar o lance para quitar até 03 parcelas seguintes à contemplação", "notes": "Texto comercial dependente de modalidade de lance." }, { "field_id": "partner_name", "plan": "linear", "section": "header", "source_sheet": "Linear e Linear Reduzido", "source_cell": "AF1", "source_formula": null, "layout_sheet": "Simulador Linear", "layout_cell": "D6", "status": "review", "current_value": "Paula", "notes": "Aba chama o campo de Nome Cliente; layout imprime Parceiro." }, { "field_id": "proposal_valid_until", "plan": "linear", "section": "header", "source_sheet": "Simulador Linear", "source_cell": "D7", "source_formula": "=TODAY()+3", "layout_sheet": "Simulador Linear", "layout_cell": "D7", "status": "presentation_only", "current_value": "2026-02-13T00:00:00", "notes": "Regra de apresentação via TODAY()+3." }, { "field_id": "plan_label", "plan": "linear", "section": "header", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K8", "source_formula": null, "layout_sheet": "Simulador Linear", "layout_cell": "C9", "status": "extracted", "current_value": "Linear Reduzido 70%", "notes": "Nome do plano atual." }, { "field_id": "grupo", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "G4", "source_formula": null, "layout_sheet": "Simulador Linear", "layout_cell": "D36", "status": "extracted", "current_value": 2234, "notes": "Grupo comercial." }, { "field_id": "numero_cotas", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "G5", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 5, "notes": "Quantidade numérica; layout só expõe texto em AE13." }, { "field_id": "modalidade_lance", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "G6", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": "Fixo", "notes": "Livre ou fixo." }, { "field_id": "tipo_produto", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "G7", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": "Imóvel", "notes": "Produto do cenário." }, { "field_id": "furo", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "AN19", "source_formula": "=G8", "layout_sheet": "Simulador Linear", "layout_cell": "D35", "status": "extracted", "current_value": 0, "notes": "AN19 espelha G8." }, { "field_id": "credito_base", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K4", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 200000, "notes": "Base do cálculo." }, { "field_id": "prazo_cliente", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K5", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 180, "notes": "Prazo em meses." }, { "field_id": "taxa_administracao_total", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K6", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 0.21, "notes": "Taxa contratual total." }, { "field_id": "taxa_administracao_mensal_exibida", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "M75", "source_formula": "=ROUND(((K6/K5))*100,5)&\" % a.m.\"", "layout_sheet": "Simulador Linear", "layout_cell": "I36", "status": "review", "current_value": "0.11667 % a.m.", "notes": "Layout mostra taxa mensal e não a taxa total." }, { "field_id": "seguro_prestamista", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "AF30", "source_formula": "=IF(K7=\"Não\",0,_xlfn.XLOOKUP(G7,Tabela2[Produto],Tabela2[Taxa],0,0))", "layout_sheet": "Simulador Linear", "layout_cell": "I35", "status": "extracted_partial", "current_value": 0.0003245, "notes": "Lookup por produto em Tabela2." }, { "field_id": "tipo_lance", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K9", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": "Lance Parcela Integral", "notes": "Tipo de lance do cenário." }, { "field_id": "embutido_percentual", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K10", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 0, "notes": "Percentual de embutido." }, { "field_id": "parcelas_lance", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K13", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 54, "notes": "Quantidade de parcelas do lance." }, { "field_id": "mes_previsto_lance", "plan": "linear", "section": "input", "source_sheet": "Linear e Linear Reduzido", "source_cell": "K14", "source_formula": null, "layout_sheet": "Simulador Linear", "layout_cell": "D37", "status": "review", "current_value": 36, "notes": "Layout trata como mês de contemplação." }, { "field_id": "lance_total", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "AN20", "source_formula": "=IFERROR(O7*G5,\"Verificar Tipo de Lance\")", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 384202.83, "notes": "AN20 consolida o valor total por número de cotas." }, { "field_id": "credito_disponivel", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "AN27", "source_formula": "=O14*G5", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 1000000, "notes": "AN27 consolida O14 por número de cotas." }, { "field_id": "diluicao_50_texto", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "AE12", "source_formula": "=IF(K8=\"Linear Integral\",\"\",\"Plano de Parcela Reduzida até a contemplação\")", "layout_sheet": "Simulador Linear", "layout_cell": "B38", "status": "extracted_partial", "current_value": "Plano de Parcela Reduzida até a contemplação", "notes": "Layout não expõe os valores monetários de diluição." }, { "field_id": "diluicao_50_valor", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "O12", "source_formula": "=IF(IFERROR(G18-AF18,\"Verificar Tipo de Lance\")<0,\"\",IFERROR(G18-AF18,\"Verificar Tipo de Lance\"))", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 1218.6975213675, "notes": "Valor monetário da diluição 50%." }, { "field_id": "diluicao_100_faixa", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "N13", "source_formula": "=\"de \"&K14+1&\"º\" & \" a \" &(K5)-G8& \"º\"", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": "de 37º a 180º", "notes": "Faixa textual da diluição 100%." }, { "field_id": "diluicao_100_valor", "plan": "linear", "section": "output", "source_sheet": "Linear e Linear Reduzido", "source_cell": "O13", "source_formula": "=IFERROR(G18-AF19,\"Verificar Tipo de Lance\")", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 990.1917361111, "notes": "Valor monetário da diluição 100%." }, { "field_id": "partner_name", "plan": "pontual", "section": "header", "source_sheet": "Pontual", "source_cell": "AB6", "source_formula": null, "layout_sheet": "Simulador Pontual", "layout_cell": "D6", "status": "extracted", "current_value": "Paula", "notes": "Campo simples e estável." }, { "field_id": "taxa_adesao", "plan": "pontual", "section": "output", "source_sheet": "Pontual", "source_cell": "AB1", "source_formula": null, "layout_sheet": "Simulador Pontual", "layout_cell": "D44", "status": "extracted", "current_value": 0, "notes": "Atualmente zero." }, { "field_id": "fundo_reserva", "plan": "pontual", "section": "output", "source_sheet": "Pontual", "source_cell": "AB5", "source_formula": null, "layout_sheet": "Simulador Pontual", "layout_cell": "I44", "status": "extracted", "current_value": 0, "notes": "Atualmente zero." }, { "field_id": "furo", "plan": "pontual", "section": "input", "source_sheet": "Pontual", "source_cell": "O4", "source_formula": null, "layout_sheet": "Simulador Pontual", "layout_cell": "D43", "status": "extracted", "current_value": 0, "notes": "Quantidade de parcelas em atraso/furo." }, { "field_id": "option_title", "plan": "pontual", "section": "output", "source_sheet": "Pontual", "source_cell": "AA22", "source_formula": "=IF($AB$3=\"Automóvel\",G31,D31)", "layout_sheet": "Simulador Pontual", "layout_cell": "C32", "status": "domain_conflict", "current_value": "Contemplação por Sorteio (Até 12 Meses)", "notes": "Depende de AB3 e alterna entre branches Auto/Imóvel." }, { "field_id": "produto_base_controle", "plan": "pontual", "section": "input", "source_sheet": "Pontual", "source_cell": "AB3", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "domain_conflict", "current_value": "Automóvel", "notes": "Workbook atual gravado como Automóvel." }, { "field_id": "tipo_produto_operacional", "plan": "pontual", "section": "input", "source_sheet": "Pontual", "source_cell": "O6", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "domain_conflict", "current_value": "Automóvel", "notes": "Workbook atual gravado como Automóvel." }, { "field_id": "produto_chave_auto", "plan": "pontual", "section": "control", "source_sheet": "Pontual", "source_cell": "I47", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "domain_conflict", "current_value": "Automóvel", "notes": "Chave de comparação legada para Auto." }, { "field_id": "produto_chave_imovel", "plan": "pontual", "section": "control", "source_sheet": "Pontual", "source_cell": "I48", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "domain_conflict", "current_value": "Imóvel", "notes": "Chave de comparação legada para Imóvel." }, { "field_id": "numero_cotas", "plan": "pontual", "section": "input", "source_sheet": "Pontual", "source_cell": "O5", "source_formula": null, "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 1, "notes": "Quantidade numérica; texto final em P8." }, { "field_id": "numero_cotas_texto", "plan": "pontual", "section": "presentation", "source_sheet": "Pontual", "source_cell": "P8", "source_formula": "=IF(O5=1,O5&\" cota\",O5&\" cotas\")", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": "1 cota", "notes": "Texto comercial da quantidade de cotas." }, { "field_id": "valor_parcela_com_seguro", "plan": "pontual", "section": "output", "source_sheet": "Pontual", "source_cell": "L7", "source_formula": "=O47/L4", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 1323.2462667038, "notes": "Valor da parcela com seguro." }, { "field_id": "valor_parcela_sem_seguro", "plan": "pontual", "section": "output", "source_sheet": "Pontual", "source_cell": "L8", "source_formula": "=O44/L4", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 1257.6210833333, "notes": "Valor da parcela sem seguro." }, { "field_id": "credito_mais_taxas", "plan": "pontual", "section": "output", "source_sheet": "Pontual", "source_cell": "O44", "source_formula": "=L3+(L3*L6)", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 75457.265, "notes": "Base de cálculo do saldo devedor." }, { "field_id": "saldo_devedor_total", "plan": "pontual", "section": "output", "source_sheet": "Pontual", "source_cell": "O47", "source_formula": "=O44+O46", "layout_sheet": null, "layout_cell": null, "status": "extracted", "current_value": 79394.77600223, "notes": "O44 + O46." } ] }