1.8、借款相关
<h2>1.8. 借款相关</h2>
<h3>1.8.1. 借款参数接口</h3>
<ul>
<li>请求路径:/h5/loan/getQuatoInfo</li>
<li>请求方法:post</li>
<li>请求参数</li>
</ul>
<table>
<thead>
<tr>
<th>参数名 </th>
<th>参数说明</th>
<th>备注 </th>
</tr>
</thead>
<tbody>
<tr>
<td>custNo</td>
<td>用户id </td>
<td>不能为空</td>
</tr>
</tbody>
</table>
<ul>
<li>响应数据
<pre><code class="language-json"> {
&quot;meta&quot;: {
&quot;msg&quot;: &quot;成功&quot;,
&quot;status&quot;: 200
},
&quot;data&quot;: {
&quot;avlCreditLine&quot;: 10000,//可用金额
&quot;minLoanAmount&quot;: 1000, //最低可借金额
&quot;maxLoanAmount&quot;: 10000, //最高可借金额
&quot;repayMethod&quot;: [&quot;等额本息&quot;,&quot;等额本金&quot;],
&quot;periods&quot;: [3,6,9,12]
}
}</code></pre></li>
</ul>
<h3>1.8.2. 还款计划试算</h3>
<ul>
<li>请求路径:/h5/loan/loanTrial</li>
<li>请求方法:post</li>
<li>请求参数</li>
</ul>
<table>
<thead>
<tr>
<th>参数名 </th>
<th>参数说明</th>
<th>备注 </th>
</tr>
</thead>
<tbody>
<tr>
<td>amount</td>
<td>借款金额 </td>
<td>不能为空</td>
</tr>
<tr>
<td>periods</td>
<td>借款期数 </td>
<td>不能为空</td>
</tr>
</tbody>
</table>
<ul>
<li>响应数据</li>
</ul>
<pre><code class="language-json"> {
&quot;meta&quot;: {
&quot;msg&quot;: &quot;成功&quot;,
&quot;status&quot;: 200
},
&quot;data&quot;: {
[
{
period:1,//期数
totalAmount:1000,//当期总金额
principal:700,//当期本金
interest:200,//当期利息
serviceFee:100,//当期服务费(担保费,咨询费等总和)
dueDate:2025-02-01//当期应还日
},
{
period:2,//期数
totalAmount:1000,//当期总金额
principal:700,//当期本金
interest:200,//当期利息
serviceFee:100,//当期服务费(担保费,咨询费等总和)
dueDate:2025-02-01//当期应还日
},
{
period:3,//期数
totalAmount:1000,//当期总金额
principal:700,//当期本金
interest:200,//当期利息
serviceFee:100,//当期服务费(担保费,咨询费等总和)
dueDate:2025-02-01//当期应还日
},
]
}
}</code></pre>
<h3>1.8.3. 借款申请接口</h3>
<ul>
<li>请求路径:/h5/loan/loanApply</li>
<li>请求方法:post</li>
<li>请求参数</li>
</ul>
<table>
<thead>
<tr>
<th>参数名 </th>
<th>参数说明</th>
<th>备注 </th>
</tr>
</thead>
<tbody>
<tr>
<td>bankcardNo</td>
<td>银行卡号 </td>
<td>不能为空</td>
</tr>
<tr>
<td>amount</td>
<td>借款金额 </td>
<td>不能为空</td>
</tr>
<tr>
<td>periods</td>
<td>借款期数 </td>
<td>不能为空</td>
</tr>
<tr>
<td>purpose</td>
<td>借款用途</td>
<td>不能为空</td>
</tr>
<tr>
<td>repayType</td>
<td>还款方式</td>
<td>‘’</td>
</tr>
<tr>
<td>osType</td>
<td>操作系统类型 IOS或ANDRIOD </td>
<td>''</td>
</tr>
<tr>
<td>osVersion</td>
<td>操作系统版本 </td>
<td>''</td>
</tr>
<tr>
<td>deviceId</td>
<td>设备ID 安卓取IEMI, 苹果取IDFA </td>
<td>''</td>
</tr>
<tr>
<td>brand</td>
<td>设备品牌 如华为 </td>
<td>''</td>
</tr>
<tr>
<td>model</td>
<td>设备型号 如P30 </td>
<td>''</td>
</tr>
<tr>
<td>longitude</td>
<td>经度 </td>
<td>''</td>
</tr>
<tr>
<td>latitude</td>
<td>纬度 </td>
<td>''</td>
</tr>
</tbody>
</table>
<ul>
<li>响应数据</li>
</ul>
<pre><code class="language-json"> {
&quot;meta&quot;: {
&quot;msg&quot;: &quot;成功&quot;,
&quot;status&quot;: 200
},
&quot;data&quot;:{
&quot;loanNo&quot;:&quot;123232323232&quot; //借款申请编号
}
}</code></pre>
<h3>1.8.4. 配置查询接口</h3>
<ul>
<li>请求路径:/h5/cfg/getConfig</li>
<li>请求方法:get</li>
<li>请求参数</li>
</ul>
<table>
<thead>
<tr>
<th>参数名 </th>
<th>参数说明</th>
<th>备注 </th>
</tr>
</thead>
<tbody>
<tr>
<td>type</td>
<td>配置类型 </td>
<td>''</td>
</tr>
</tbody>
</table>
<ul>
<li>响应数据
<pre><code class="language-json"> {
&quot;meta&quot;: {
&quot;msg&quot;: &quot;成功&quot;,
&quot;status&quot;: 200
},
&quot;data&quot;: {
{&quot;0&quot;:&quot;装修&quot;, &quot;1&quot;:&quot;家电&quot;}
}
}</code></pre></li>
</ul>
<h3>1.8.5. 查询借款详情接口</h3>
<ul>
<li>请求路径:/h5/loan/getLoanDetailList</li>
<li>请求方法:get</li>
<li>请求参数</li>
</ul>
<table>
<thead>
<tr>
<th>参数名 </th>
<th>参数说明</th>
<th>备注 </th>
</tr>
</thead>
<tbody>
<tr>
<td>month</td>
<td>月份 </td>
<td>根据月份查询如查一年内的传12, 全部不用传</td>
</tr>
<tr>
<td>loanState</td>
<td>贷款状态 </td>
<td>applied:审核中 , overdue: 已逾期,disbursed: 还款中,disbursed_fail: 放款失败,closed: 已结清, 全部不用传</td>
</tr>
</tbody>
</table>
<ul>
<li>响应数据
<pre><code class="language-json"> {
&quot;meta&quot;: {
&quot;msg&quot;: &quot;成功&quot;,
&quot;status&quot;: 200
},
&quot;data&quot;: [
{
&quot;loanNo&quot;: &quot;5435435435435435435&quot;,//贷款号
&quot;amount&quot;: 10000,//贷款金额
&quot;remainAmount&quot;: 12000,//剩余待还金额
&quot;loanState&quot;: &quot;disbursed&quot;,
&quot;applyDate&quot;: &quot;2025-01-14T02:28:49.206+00:00&quot;,
&quot;periods&quot;: 12,
&quot;purpose&quot;: &quot;消费&quot;,
&quot;bankcardNo&quot;: &quot;545345435435435&quot;,
&quot;bankName&quot;: &quot;工商银行&quot;,
&quot;userName&quot;: &quot;逯旭辉&quot;,
&quot;mobile&quot;: &quot;15235649846&quot;,
&quot;cnid&quot;: &quot;140522199909208119&quot;,
&quot;industry&quot;: &quot;10&quot;,
&quot;income&quot;: &quot;10&quot;,
&quot;city&quot;: &quot;广东深圳&quot;,
&quot;street&quot;: &quot;华强北11号&quot;,
&quot;liaisonName1&quot;: &quot;耳温枪&quot;,
&quot;liaisonMobile1&quot;: &quot;17777777778&quot;,
&quot;liaisonName2&quot;: &quot;大圣&quot;,
&quot;liaisonMobile2&quot;: &quot;19999999990&quot;
}
],
}</code></pre></li>
</ul>
<h3>1.8.6. 查询单笔借款详情接口</h3>
<ul>
<li>请求路径:/h5/loan/getLoanDetail/{loanNo}</li>
<li>请求方法:get</li>
<li>请求参数</li>
</ul>
<table>
<thead>
<tr>
<th>参数名 </th>
<th>参数说明</th>
<th>备注 </th>
</tr>
</thead>
<tbody>
</tbody>
</table>
<ul>
<li>响应数据
<pre><code class="language-json"> {
&quot;meta&quot;: {
&quot;msg&quot;: &quot;成功&quot;,
&quot;status&quot;: 200
},
&quot;data&quot;: {
&quot;loanNo&quot;: &quot;5435435435435435435&quot;,
&quot;amount&quot;: 100000,
&quot;loanState&quot;: &quot;disbursed&quot;,
&quot;applyDate&quot;: &quot;2025-01-14T02:28:49.206+00:00&quot;,
&quot;periods&quot;: 12,
&quot;purpose&quot;: &quot;消费&quot;,
&quot;bankcardNo&quot;: &quot;545345435435435&quot;,
&quot;bankName&quot;: &quot;工商银行&quot;,
&quot;userName&quot;: &quot;逯旭辉&quot;,
&quot;mobile&quot;: &quot;15235649846&quot;,
&quot;cnid&quot;: &quot;140522199909208119&quot;,
&quot;industry&quot;: &quot;10&quot;,
&quot;income&quot;: &quot;10&quot;,
&quot;city&quot;: &quot;广东深圳&quot;,
&quot;street&quot;: &quot;华强北11号&quot;,
&quot;liaisonName1&quot;: &quot;耳温枪&quot;,
&quot;liaisonMobile1&quot;: &quot;17777777778&quot;,
&quot;liaisonName2&quot;: &quot;大圣&quot;,
&quot;liaisonMobile2&quot;: &quot;19999999990&quot;
},
}</code></pre></li>
</ul>
<h3>1.8.7. 借款状态</h3>
<pre><code>APPLIED(&quot;applied&quot;, &quot;已申请&quot;),
APPROVED(&quot;approved&quot;, &quot;已批准&quot;),
CONFIRMED(&quot;confirmed&quot;, &quot;已确认&quot;),
DISBURSED(&quot;disbursed&quot;, &quot;已放款&quot;),
CLOSED(&quot;closed&quot;, &quot;已结清&quot;),
REJECTED(&quot;rejected&quot;, &quot;已拒绝&quot;),
CANCELLED(&quot;cancelled&quot;, &quot;已取消&quot;),
EARLY_SETTLED(&quot;early_settled&quot;, &quot;提前结清&quot;),</code></pre>