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：/loan/queryParams</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>userid</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;maxLoanAmount&quot;: 15000,// 最高可借金额
&quot;minLoanAmount&quot;: 1, //最低可借金额
&quot;bankCardkList&quot;: [
{
&quot;bankNo&quot;: 101,
&quot;bankName&quot;: &quot;中国银行&quot;,
&quot;bankCardId&quot;: 1234,
&quot;bankCardNo&quot;: &quot;111111111111111111111111111111111&quot;,
},
{
&quot;bankNo&quot;: 102,
&quot;bankName&quot;: &quot;建设银行&quot;,
&quot;bankCardId&quot;: 1235,
&quot;bankCardNo&quot;: &quot;22222222222222222222222222222&quot;,
},
],
&quot;termRateList&quot;: [
{
&quot;term&quot;: 3,//期数
&quot;dayRate&quot;: 0.001,
&quot;monthRate&quot;: 0.03,
&quot;yearRate&quot;: 0.36,
}，
{
&quot;term&quot;: 6,//期数
&quot;dayRate&quot;: 0.001,
&quot;monthRate&quot;: 0.03,
&quot;yearRate&quot;: 0.36,
}，
{
&quot;term&quot;: 9,//期数
&quot;dayRate&quot;: 0.001,
&quot;monthRate&quot;: 0.03,
&quot;yearRate&quot;: 0.36,
}，
{
&quot;term&quot;: 12,//期数
&quot;dayRate&quot;: 0.001,
&quot;monthRate&quot;: 0.03,
&quot;yearRate&quot;: 0.36,
}，
]
},
}</code></pre></li>
</ul>
<h3>1.8.2. 还款计划试算</h3>
<ul>
<li>请求路径：/loan/trial</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>userid</td>
<td>用户id </td>
<td>不能为空</td>
</tr>
<tr>
<td>loanAmount</td>
<td>借款金额 </td>
<td>不能为空</td>
</tr>
<tr>
<td>termNum</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;: {
&quot;repayPlanItems&quot;: [
{
&quot;termNo&quot;: 1, //期次
&quot;shouldRepayDate&quot;: 20241213, //应还款日期yyyyMMdd
&quot;termAmount&quot;: 500,//本期应还总额
},
{
&quot;termNo&quot;: 2, //期次
&quot;shouldRepayDate&quot;: 20241213, //应还款日期yyyyMMdd
&quot;termAmount&quot;: 500,//本期应还总额
},
{
&quot;termNo&quot;: 3, //期次
&quot;shouldRepayDate&quot;: 20241213, //应还款日期yyyyMMdd
&quot;termAmount&quot;: 500,//本期应还总额
},
]
},
}</code></pre>
<h3>1.8.3. 借款申请接口</h3>
<ul>
<li>请求路径：/loan/apply</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>userid</td>
<td>用户id </td>
<td>不能为空</td>
</tr>
<tr>
<td>mobileNo</td>
<td>银行卡预留手机号 </td>
<td>不能为空</td>
</tr>
<tr>
<td>bankCardId</td>
<td>银行卡ID </td>
<td>不能为空</td>
</tr>
<tr>
<td>repayMethod</td>
<td>还款方式 0-等本等息 1-等额本⾦ 2-等额本息 3-一次性还本付息</td>
<td>不能为空</td>
</tr>
<tr>
<td>loanAmount</td>
<td>借款金额 </td>
<td>不能为空</td>
</tr>
<tr>
<td>smsCode</td>
<td>短信验证码 </td>
<td>不能为空</td>
</tr>
<tr>
<td>totalTerm</td>
<td>借款期数 Int </td>
<td>不能为空</td>
</tr>
<tr>
<td>loanUse</td>
<td>借款用途 Int 0_装修 1_家电 2_婚庆 3_助学 4_旅游 5_医疗 </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
}
}</code></pre>