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【南京银行】你好e贷 2026版产品大纲及操作流程 额度最高30万!

  • 2026-03-20 23:23:46
【南京银行】你好e贷 2026版产品大纲及操作流程 额度最高30万!
南京银行-你好e贷

南京银行"你好e贷"是向正常缴纳住房公积金、个税的申请人或我行优质存量客户，给予一定免担保授信额度，满足其在约定的授信额度和期限内用于个人及家庭消费的纯线上个人信用贷款。

01
产品要素

  • 额度：最高额度30万

  • 期限：最长5年期

  • 利率：年化低至3.0%

  • 还款方式：先息后本、等额本息；

  • 提前还款：随借随还，无违约金；

02
准入要求

  • 中国大陆国籍，男士年龄18-59周岁，女士18-54周岁；

  • 现单位连续工作≥6个月，建议满1年以上，且正常缴纳公积金及个税（需缴满6个月以上）；

  • 公积金缴纳地需为开放城市（如江苏全省、上海、杭州、北京等16个城市）；

03
征信要求

  • 查询要求：征信查询次数：近2个月≤4次，近3个月≤5次；

  • 逾期要求：近2年无累计6次逾期，近5年无累计12次逾期；

  • 其    他：实名制手机号、无重大负债（信贷负债≤年收入3倍，按揭房不计入）；

04
申请流程
申请入口：

①渠道：关注公众号：钱途解析，搜索南京，二维码扫码；

②材料：身份证、公积金账号、个税信息（无需纸质文件）；

2、审批与激活 

步骤：审核通过后，需在1个月内激活额度，否则需重新申请；提款前需要打客服确认额度；

放款：激活后资金实时至绑定银行卡（支持他行卡）；

3、续贷与额度管理 

①循环使用：额度有效期内还清后可立即再借；

②到期续贷：额度过期需重新提交申请，银行二次审批；无钱偿还，可以联系续贷。

微信号：qkyy667

添加好友  免费咨询
免责声明：借贷有风险，选择需谨慎。本文仅作为知识分享，不构成任何决策建议，对内容的准确性与完整不做承诺与保障。任何人据此作出借贷决策，风险自担。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。本微信公众号对所有原创、转载、分享的内容、陈述、观点判断均保持中立，推送文章仅供读者参考，发布的文章、图片等版权归作者享有。部分转载作品、图片如有作者来源标记有误或涉及侵权，请原创作者友情提醒并联系小编删除
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 。

上海人去了趟南京,我说句不中听的:书卷气这块,真足

2025专业分数线|南京大学

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  1. CONNECT:[ UseTime:0.000575s ] mysql:host=127.0.0.1;port=3306;dbname=b460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000647s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000299s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000599s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000684s ]
  6. SELECT * FROM `set` [ RunTime:0.000301s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000664s ]
  8. SELECT * FROM `article` WHERE `id` = 500599 LIMIT 1 [ RunTime:0.011329s ]
  9. UPDATE `article` SET `lasttime` = 1776097391 WHERE `id` = 500599 [ RunTime:0.005274s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 65 LIMIT 1 [ RunTime:0.003572s ]
  11. SELECT * FROM `article` WHERE `id` < 500599 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.005454s ]
  12. SELECT * FROM `article` WHERE `id` > 500599 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.003437s ]
  13. SELECT * FROM `article` WHERE `id` < 500599 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.030192s ]
  14. SELECT * FROM `article` WHERE `id` < 500599 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.016851s ]
  15. SELECT * FROM `article` WHERE `id` < 500599 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.014177s ]
0.169061s