Test Cases
These test cases are only available in the automation environment
(https://automation.api.banca.me), through the
/automation/real-estate/* endpoints.
When you generate pre-approves, banca.me does not consult any data source. It loads a fixed risk profile chosen by the lead's RUT and evaluates it against your project's real risk policies. The same RUT always produces the same result.
📝 RUT Test Cases
| RUT | Result | Why | hardFilterResults that fail |
|---|---|---|---|
| Any other RUT | ✅ Approved | Healthy profile: permanent contract, high income, no debts, no delinquencies. | — |
11111111-1 | ❌ Rejected | Delinquency (morosidades): has protests and delinquencies in the last 1 and 5 years. | protest_and_delinquency_1year, protest_and_delinquency_5years |
55555555-5 | ❌ Rejected, complementable | Does not meet the policy: income below the policy minimum. No delinquencies. Because it fails only income filters, it can be complemented. | min_net_salary, min_brute_salary, min_loan_policy_amount |
In both rejections the lead ends in ARCHIVED_FAIL and the
pre_approve webhook is delivered with estado: "rechazado".
They differ in complementable: false for 11111111-1 and true for 55555555-5. On
subscription filters, 55555555-5 therefore counts as complementable, not rechazado.
"Approved" means the healthy profile passes a typical real-estate policy. If your project's
policy is unusually strict — for example a minimum income above the mocked profile — an
"approved" RUT can be rejected too. Check hardFilterResults in the response to see which filter
failed.
🤝 Complement Test Cases
Use POST /automation/real-estate/complement/{plrId}
on a lead that has already been evaluated.
| Lead | Co-applicant RUT | Result |
|---|---|---|
55555555-5 | Any other RUT | ✅ The combined income passes: the lead moves to READY_FOR_LOAN with a complemented, accepted pre-approve. |
55555555-5 | 11111111-1 | ❌ The co-applicant's delinquencies are added: the complemented pre-approve is rejected and the lead stays in ARCHIVED_FAIL. |
11111111-1 | Any | ❌ 422 ERR_LEAD_NOT_COMPLEMENTABLE — a delinquency rejection cannot be complemented. |
| Any | The lead's own RUT | ❌ 422 ERR_INCORRECT_PRE_LOAN_REQUEST_STATE. |
Applying a complement delivers new_lead and pre_approve for the co-applicant only. Your
lead's combined result is not sent by webhook; read it through
GET /partner/pre-loan-request/{idNumber}.
🔄 Re-entry Test Case
| Action | Result |
|---|---|
| Create a lead with a RUT that already has a lead in the same project | ✅ The previous lead is archived and a new one is created, with a new plrId and a new new_lead webhook. |
Generate pre-approves for the archived (previous) plrId | ❌ 422 ERR_INVALID_STEP — use the latest plrId. |
This emulates a person who comes back to creditos.banca.me. Any RUT works, including the test
RUTs above. See Re-enter with the same RUT.