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南京银行—鑫易分(上海)

  • 2026-04-28 23:24:59
南京银行—鑫易分(上海)
南京银行-鑫易分

产品属性

产品类型：大额分期卡
贷款金额：最高100万
贷款利率及还款方式：
先息后本1-3年，年化约3.68-4.9%
按月分期1-5年，月费率0.19-0.24%
贷款期限：12-60期

准入要求

准入地区

上海

个人要求
1、 贷款年龄：22-60周岁（含分期期限）

目标客群：

  • 申请地社保/个税连续申报缴存12个月以上；

  • 月收入（个税/社保/公积金之一基数不低于5K）；

客群分类：

  • AB类：机关事业单位、上市公司、国企等白名单企业职工；

  • C类(满足其二)：申请地有房、本科学历、月薪11.5K以上；

  • DE类(满足其一)：申请地有房、大专学历、本地户籍月薪4.8K以上；

备注：应届生刚入职可申办，跳槽人士收入可断1-2个月；

征信要求

  • 名下授信机构建议不超5家，优质单位可适当放宽；

  • 近1个月查询≤4次，近3个月≤7次，近6个月≤11次；

  • 近2年无连三累六的逾期记录，近5年逾期不超10次；

  • 名下信用卡近半年以及当前透支率不超70%；

  • 个人当前无负面信息（被执行/法案/严重行政处罚）；

申请流程

产品为线下产品，联系平台经理了解申请流程，区域不同准入要求不一样（目前只供上海地区参考）

详细请咨询平台经理

免责申明：
产品信息来源于机构官网/网点/客户经理，或第三方公开信息平台，最终以产品机构发布为准，如产品信息有误或其他异议，可在该页面下方留言。
本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  3. 缓存信息 : 0 reads,0 writes
  4. 会话信息 : SESSION_ID=114309c986157a88e2bba089e9c24bbb
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  140. /yingpanguazai/ssd/ssd1/www/b.460.net.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000548s ] mysql:host=127.0.0.1;port=3306;dbname=b460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000834s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000726s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000266s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000526s ]
  6. SELECT * FROM `set` [ RunTime:0.000198s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000512s ]
  8. SELECT * FROM `article` WHERE `id` = 493492 LIMIT 1 [ RunTime:0.011242s ]
  9. UPDATE `article` SET `lasttime` = 1777499811 WHERE `id` = 493492 [ RunTime:0.008901s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.006514s ]
  11. SELECT * FROM `article` WHERE `id` < 493492 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000849s ]
  12. SELECT * FROM `article` WHERE `id` > 493492 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.016364s ]
  13. SELECT * FROM `article` WHERE `id` < 493492 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.026165s ]
  14. SELECT * FROM `article` WHERE `id` < 493492 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.039346s ]
  15. SELECT * FROM `article` WHERE `id` < 493492 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.050556s ]
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