贷款申请

简要描述：

贷款申请

接口编码："4000"

请求URL：

测试：http://juheba-gateway-test.juheba.top:8888/open/loan/api/apply

生产：https://jhb-gateway.juheba.com/open/loan/api/apply

请求方式：

POST

请求参数说明：

Request Body

参数名	类型	描述
orderNo	string	第三方流水号
loanType	integer	贷款类型，参考字典100 企业贷款、200个人贷款，默认个人贷款
realName	string	申请人/申请公司
idCard	string	身份证/企业税号
phone	string	手机号/企业手机号
productId	string	产品id
userId	string	第三方用户唯一id
location	string	定位格式：广东省#深圳市

请求示例：

加密前

{
    "apiCode":"4000",
    "body":{
        "orderNo":"4H0Jcnwu7NFeAOIT",
        "loanType":200,
        "productId":"300002",
        "idCard":"42010119940127838X",
        "userId":"UnDnxakEU5k",
        "realName":"尤润嘉",
        "phone":"15879358549",
        "location":"广东#深圳",
        "timestamp":1698631976140
    },
    "orgId":"1530083790685921281"
}

加密后

{
    "apiCode":"4000",
    "body":"aIuaQEltPktyE770Bpwqa4j1M9etuFJGrhra7uqBNbvBcFJWNwpxXl6TdU6WZtz7llewPD5ySmQS2fmk0JHbgE70uwGgdN0pBrsz+MdEM0zaXjWhCxrVwLtPPMCfknSPly/LEEZlo6gEMmVDlIX/835UuicwbEKhP38DXlxURvFZvPRd3fM6o4tCUEOq6eMHA70m2qWi8kLyBxxGVnIr/HFmu7YdZcHZBzeX328dNahrt08yKK/SyYuUqdbBBl2vCiGXaKZcy9Mtg5r2rPltruNyW1iPNwf8GXFErA/+uoSWWpyjKFW3Oso6jDMvUbaJYewSUcMfJH6ejdteS2r7kQ==",
    "orgId":"1530083790685921281"
}

返回参数说明：

Response Body

参数名	类型	描述
platOrderNo	string	平台订单号
orderNo	string	第三方流水号
applyUrl	string	申请卡片链接
approvePrice	number	结算百分比
activePrice	number	结算单价单价分

返回示例：

{
    "code": "000000",
    "msg": "成功",
    "data": {
        "platOrderNo": "1718813496314368001",
        "orderNo": "4H0Jcnwu7NFeAOIT",
        "applyUrl": "https://h5.bestpay.cn/subapps/clp-ccp-h5/index.html#/cardDetail?merchantProductId=228&comeFrom=app&channel=C&productDetailId=5ee9f6e92ec302b0a4fa6f84&productType=XJD&merchantNo=6888892696&token=ETHQwgSZF8GcQp%2B6sdWlUALC8XWAc1V6ZzQqr%2FdcCUM%3D",
        "approvePrice": "3000000",
        "activePrice": "0"
    },
    "sign": "1530083790685921281"
}

备注：

暂无

请求参数

Body 参数application/json

apiCode

string

接口编码

必需

body

string

请求主题

必需

orgId

string

机构编码

必需

示例

{"apiCode":"3001","body":"DTLBl0IqOkOeJabweF5MFaZtq/0XOxMLYEDOjUUdMI4dCPM/oHWrqLeD6FALXMeYGAtIsNglofx7mM6Ol41KZ/w/hwp7T7avamDP7OiDfa0O9aLh6hMU3NCmCQW0aiUszws9QSczNePsrLKeEd5KSh5Xjl991TlFkqNVlMLcO+k=","orgId":"1608043285102735362"}

示例代码

Shell

JavaScript

Java

Swift

PHP

Python

HTTP

Objective-C

Ruby

OCaml

Dart

返回响应

🟢200成功

application/json

Body

code

string

响应码

必需

msg

string

响应信息

必需

data

object

响应数据

必需

nums

integer

产品数量

必需

productDetailVos

array [object {16}]

产品详情

必需

sign

string

签名串

必需

示例

成功示例异常示例

{
    "code": "000000",
    "msg": "成功",
    "data": {
        "nums": 5,
        "productDetailVos": [
            {
                "productName": "北部湾星辰卡",
                "id": "200001",
                "bankName": "北部湾银行",
                "logo": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/bankLogo/a08d8e13b8ca45c5aeda6f9c3ae4ef61.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=M3bEGkQhld%2F9lLW221OQr2MNEqQ%3D",
                "cardDesc": "秒批、快速办卡",
                "productPicUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardLogo/1c038413e4b84590bf708552fe78589b.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=XeGw5EBaoWf0t1KeXGbHcrp82zQ%3D",
                "approvePrice": "12500",
                "activePrice": "15500",
                "firstUsedPrice": "18500",
                "settleCycle": 10,
                "region": null,
                "regionType": null,
                "applyProcessUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=qgYc%2BCHDwTAU93i6kN9lzwDxLYs%3D",
                "settleCondition": "核卡、激活、首刷三阶段",
                "settleRule": "一阶段一结算",
                "attention": "务必在申请前，向办卡供方【北部湾银行】了解清楚办卡详情，办卡成功后收取的任何费用、与办卡方发生的任何纠纷，均与本平台无关。"
            },
            {
                "productName": "中国银行黑卡",
                "id": "200003",
                "bankName": "中国银行",
                "logo": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/bankLogo/5b8bdac80adf4c7f93f1389d9bfea232.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=s3BoaDdqHTSEEqLkczbar3eWFas%3D",
                "cardDesc": "快速秒批，额度大",
                "productPicUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardLogo/d78431139b364cc882b336d63f652443.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=nQGMtPsaMoYSqsrBZXzM%2FMmk%2FaA%3D",
                "approvePrice": "5000",
                "activePrice": "5000",
                "firstUsedPrice": "10000",
                "settleCycle": 6,
                "region": "北京市,深圳市,天津市",
                "regionType": 1,
                "applyProcessUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardProcess/69def2a8ad124eee8403e81517fa48fe.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=WGEp4ZKuM57OBFAFSRTRy28F%2BMk%3D",
                "settleCondition": "手动结算条件发放",
                "settleRule": "核卡、首刷、激活，各手动结算一次",
                "attention": "务必在申请前，向办卡供方【中国银行】了解清楚办卡详情，办卡成功后收取的任何费用、与办卡方发生的任何纠纷，均与本平台无关。"
            },
            {
                "productName": "腾讯联名卡",
                "id": "200023",
                "bankName": "中国银行",
                "logo": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/bankLogo/5b8bdac80adf4c7f93f1389d9bfea232.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=s3BoaDdqHTSEEqLkczbar3eWFas%3D",
                "cardDesc": "每月赠送流量，腾讯视频会员",
                "productPicUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardLogo/12c528220fa44e3bb8a67f8527c4e69b.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=LGDIKxzyfWu9SzkOaT3mtBxKK3o%3D",
                "approvePrice": "2500",
                "activePrice": "10000",
                "firstUsedPrice": "10000",
                "settleCycle": 12,
                "region": null,
                "regionType": null,
                "applyProcessUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardProcess/0231e7f69e3d4d05abfc2b66e3fc6f3e.png%2Cva/cardProcess/f11d748c8fdb4b2cb16f94a9006c5b0e.jpg?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=8wuEVorQpw7jJnxGwlKq0Slf%2FMo%3D",
                "settleCondition": "核卡激活首刷",
                "settleRule": "核卡激活首刷",
                "attention": "核卡激活首刷"
            },
            {
                "productName": "招商银行API",
                "id": "200021",
                "bankName": "招商银行",
                "logo": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/bankLogo/4205d92eb3894b258474c4797bd90b92.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=ZvpYa%2FODy63pePK4H969BuM0tTg%3D",
                "cardDesc": "结算快，免年费",
                "productPicUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardLogo/492c3d011f2b42c5ad1b1148ee3b09b6.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=ofzGbSjc5mS3cPuHAxcu6Hc860A%3D",
                "approvePrice": "2500",
                "activePrice": "0",
                "firstUsedPrice": "0",
                "settleCycle": 1,
                "region": "深圳市,广州市,长沙市,北京,保定市,上海,唐山市,宁德市,连云港市",
                "regionType": 0,
                "applyProcessUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=qgYc%2BCHDwTAU93i6kN9lzwDxLYs%3D",
                "settleCondition": "核卡",
                "settleRule": "新户首卡核卡结算",
                "attention": "首次申请招商银行信用卡:客户资质较好—收到预审直接通过的（让客户去网点面签确认）短信即为达标；销卡不予结算；\n【注】招商银行API为数据自动匹配结算，如因填写信息错误导致订单未成功匹配视为订单未完成，不予发放奖励，请知悉。"
            },
            {
                "productName": "长安银行云闪付无界白金信用卡",
                "id": "200018",
                "bankName": "长安银行",
                "logo": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/bankLogo/29aafd628d3e445e867f88ecbc7f8efa.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=Oo0g9ImVrn%2FDXdkvYCzJtTm4HR0%3D",
                "cardDesc": "长安银行云闪付无界信用卡新客户云闪付支付首刷返现6.2%，最高可返62元还款金。",
                "productPicUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardLogo/0764d5f3bfb9437b9ac7d4141b1fde70.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=2Jw3TttxABj%2BxnouJyHx0JfOqqI%3D",
                "approvePrice": "5000",
                "activePrice": "1000",
                "firstUsedPrice": "500",
                "settleCycle": 1,
                "region": null,
                "regionType": null,
                "applyProcessUrl": "https://juheba-test.oss-cn-shanghai.aliyuncs.com/va/cardProcess/71ca4680a7974038bbe02007f457759f.png?Expires=1687951015&OSSAccessKeyId=LTAI5tSShgHpWCoLABA4Rjyk&Signature=I3jJi3O8m0B1RiMGg%2FfiqdFuba0%3D",
                "settleCondition": "长安银行云闪付无界信用卡客户每自然月消费达到4000元及以上，次月可领取一张会员礼券（包括喜马拉雅、网易云音乐、芒果TV、爱奇艺会员月卡），数量有限，先到先得。",
                "settleRule": "长安银行云闪付无界信用卡持卡人在云闪付APP绑卡报名：\n\n·首刷惊喜（限新用户）：10元云闪付消费券2张，云闪付还款立减5元红包1个；\n\n·满3次：云闪付还款立减5元红包1个；\n\n·满5次：10元云闪付商户礼券1张；\n\n·满12次：8种互联网会员季卡，任选其一；\n\n·满15次：一次转盘抽奖机会，最高得62元云闪付红包。",
                "attention": "长安银行云闪付无界白金信用卡主卡年费800元/年，开卡首年免年费，每年刷卡10次免收次年年费。"
            }
        ]
    },
    "sign": "mTUbcI/R49cHwqXREnoL5CR8dpGtofr5i4aVp+uIzMdITfBiNkYVSd7iF+W6WpIBcF9r7XSF4eef9jLT+gGkGfd7ODjqFiXADCqxzw8jGHPXCKbVs3I5qa1bq+0Jw9vKnsgR/T8CVzF6qKRvmMQ9sAQr30bGdyENhJIqI/azUTY="
}

Request Body#

Response Body#

请求参数

示例代码

返回响应

Request Body

Response Body