向银行申请初审
| 名称 | 类型 | 是否必须 | 示例值 | 更多限制 | 描述 |
|---|---|---|---|---|---|
| accountCertType | String | 必须 | IDENTITY_CARD | 参拍账号对应证件类型 枚举： unknown:其他证件;BUSINESS_LICENSE:企业营业执照;IDENTITY_CARD:身份证;BACK_HOMETOWN_CARD,台胞证;HK_CARD:港澳证件;PASSPORT:护照 ;OFFICER_CARD:军官证;BUSINESS_LICENSE:组织机构代码证件;UNIFIED_SOCIAL_CREDIT_CODE:统一社会信用代码;OTHERS:其他证件;OTHERS-CHINA-PASSPORTS:中国护照;OTHERS-HOUSEHOLD-REG-BOOK:户口簿;OTHERS-ENTERPRISE-LEGALPERSON-REG-CER:事业法人登记证件 | |
| accountName | String | 必须 | 胡骧 | 参拍账号姓名 | |
| itemFloor | String | 可选 | 3 | 楼层 | |
| borrowerName | String | 必须 | 胡丫丫 | 贷款人姓名 | |
| memo | String | 可选 | 无 | 说明 | |
| itemCategoryId | String | 必须 | 2234523 | 类目id | |
| familyMonthlyIncome | Number | 可选 | 20000 | 家庭月收入 单位：元 | |
| borrowerContactNumber | String | 必须 | 18628778656 | 贷款人联系电话 | |
| fundSettleType | Number | 可选 | 1 | 资金流结算方式 | |
| itemAreaCode | String | 必须 | 361176 | 区域code | |
| loanOrderNo | String | 必须 | 24010900100YSKSSG | 贷款申请单号 | |
| from | Number | 可选 | 1 | 来源 | |
| applyTime | String | 必须 | 2022-10-08 09:55:00 | 申请时间，格式：yyyy-MM-dd HH:mm:ss | |
| borrowerCertCode | String | 必须 | 330122985682763776 | 贷款人证件号码 | |
| insuranceCompany | Number | 可选 | 1 | 支持的保险公司 | |
| borrowerEmployer | String | 可选 | 浙江XX有限公司 | 贷款人工作单位 | |
| localRealEstateCount | String | 可选 | MORE_THAN_THREE | 拍品所在地房产套数，枚举：NONE ：无;ONE:一套;TWO：二套;THREE：三套;MORE_THAN_THREE：三套以上 | |
| itemAddress | String | 必须 | XXX小区 2幢 | 标的地址 | |
| itemArea | String | 必须 | 余杭 | 区域信息 | |
| itemCategoryName | String | 必须 | 房产 | 类目名称 | |
| itemConsultPrice | Number | 必须 | 20000000 | 评估价，单元 ：元 | |
| itemHousingArea | String | 必须 | 102.25 | 住房面积，值为数字double类型 | |
| itemId | Number | 必须 | 761560604290 | 标的ID | |
| borrowerMaritalStatus | String | 可选 | MARRIED | 贷款人婚姻状态，枚举：MARRIED; UNMARRIED; DIVORCED | |
| familyMonthlyRepaymentAmount | Number | 可选 | 3000 | 家庭月还款金额，单位元 | |
| borrowerCertType | String | 必须 | IDENTITY_CARD | 贷款人证件类型枚举： unknown:其他证件;BUSINESS_LICENSE:企业营业执照;IDENTITY_CARD:身份证;BACK_HOMETOWN_CARD,台胞证;HK_CARD:港澳证件;PASSPORT:护照 ;OFFICER_CARD:军官证;BUSINESS_LICENSE:组织机构代码证件;UNIFIED_SOCIAL_CREDIT_CODE:统一社会信用代码;OTHERS:其他证件;OTHERS-CHINA-PASSPORTS:中国护照;OTHERS-HOUSEHOLD-REG-BOOK:户口簿;OTHERS-ENTERPRISE-LEGALPERSON-REG-CER:事业法人登记证件 | |
| accountCertCode | String | 必须 | 3398788766776656777 | 参拍账号对应证件号 | |
| itemUrl | String | 必须 | https://sf-item.taobao.com/sf_item/761560604290.htm | 标的链接 |
| 名称 | 类型 | 示例值 | 描述 |
|---|---|---|---|
| success | Boolean | false | 是否受理成功 |
| failMessage | String | 系统错误 | 错误信息 |
| failCode | String | SYSTEM_ERROR | 错误code |
| reviewResultCode | String | REVIEW_NOT_PASS | 初审结果 枚举：REVIEW_ING 初审中；REVIEW_PASS 通过；RETURN_TO_MODIFY 退回修改；REVIEW_NOT_PASS 不通过 |
| reviewTime | String | 2022-10-08 09:55:00 | 初审时间 格式：yyyy-MM-dd HH:mm:ss |
| maximumLoanRatio | Number | 60 | 最高可贷比例 如:百分比，如60% 则值为60 |
| maximumLoanAmount | String | 100000 | 最高可贷金额 单位：元，不支持小数点 |
| loanBankName | String | XX银行杭州分行 | 贷款行名称 |
| bankAccountManagerName | String | 王小丫 | 客户经理姓名 |
| bankAccountManagerContactNumber | String | 18678776567 | 客户经理联系方式 |
| memo | String | 信息不全 | 说明 |
{"accountCertType":"IDENTITY_CARD","accountName":"胡骧","itemFloor":"3","borrowerName":"胡丫丫","memo":"无","itemCategoryId":"2234523","familyMonthlyIncome":20000,"borrowerContactNumber":"18628778656","fundSettleType":1,"itemAreaCode":"361176","loanOrderNo":"24010900100YSKSSG","from":1,"applyTime":"2022-10-08 09:55:00","borrowerCertCode":"330122985682763776","insuranceCompany":1,"borrowerEmployer":"浙江XX有限公司","localRealEstateCount":"MORE_THAN_THREE","itemAddress":"XXX小区 2幢","itemArea":"余杭","itemCategoryName":"房产","itemConsultPrice":20000000,"itemHousingArea":"102.25","itemId":0,"borrowerMaritalStatus":"MARRIED","familyMonthlyRepaymentAmount":3000,"borrowerCertType":"IDENTITY_CARD","accountCertCode":"3398788766776656777","itemUrl":"https://sf-item.taobao.com/sf_item/761560604290.htm"}
{
"success":false,
"failMessage":"系统错误",
"failCode":"SYSTEM_ERROR",
"reviewResultCode":"REVIEW_NOT_PASS",
"reviewTime":"2022-10-08 09:55:00",
"maximumLoanRatio":60,
"maximumLoanAmount":"100000",
"loanBankName":"XX银行杭州分行",
"bankAccountManagerName":"王小丫",
"bankAccountManagerContactNumber":"18678776567",
"memo":"信息不全"
}
{"success":"false","failCode":"sign-check-failure","failMessage":"Illegal request"}
| 错误码 | 错误描述 | 解决方案 |
|---|
