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想贷的贷不了?成都“房产抵押贷”业主吐槽

  • 2026-03-12 14:00:30
想贷的贷不了?成都“房产抵押贷”业主吐槽

最近，我公众号经常发成都各银行房产抵押政策调整的文章，有粉丝就来咨询：

都说现在银行放水，房抵利率下调至2%点几，成数提高至9成、10成。那为什么我去银行网点咨询，他们却说没有这个政策，甚至直接说我的资质做不了呢？

反正，我对放水完全没感觉，申请银行贷款依然感觉困难。

诚然，网上很多中介都在发银行大放水，消费贷、经营贷、房产抵押贷利率降至2%点几了。

 

而且门槛低，似乎只要申请就能放一样。事实真的如此吗？

很遗憾，银行贷款都有门槛要求

如果在成都有房，或者工作单位好、公积金基数高，确实比较受银行欢迎。但也会审核几个点：

1、征信情况

2、负债情况

3、收入是否能支撑

但如果想要做“超低利率+超高成数”的房抵，那还得看看房产和经营的情况。

申请纯信用类，要是工作单位和收入比较普通，征信花了基本也是拒贷。

END

作者：成都贷小二

咨询微信：19180593921

长按屏幕可复制微信号

【成都抵押百科】团队成都贷圈8年，服务客户3000+，资深的抵押从业者，坚持良性银行方案，懂业务，找到我们能节约50%的成本费用，省心省力，服务有保障，防上当，秉承做一单生意交一个朋友原则立足贷圈！

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  138. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-template/src/template/contract/DriverInterface.php ( 0.86 KB )
  139. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/runtime/temp/cbe9940b986bd319e8e4ad9d69892652.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/a.mffb.com.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000980s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001820s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000744s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000656s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001379s ]
  6. SELECT * FROM `set` [ RunTime:0.000569s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001464s ]
  8. SELECT * FROM `article` WHERE `id` = 478840 LIMIT 1 [ RunTime:0.001074s ]
  9. UPDATE `article` SET `lasttime` = 1776799318 WHERE `id` = 478840 [ RunTime:0.002234s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000571s ]
  11. SELECT * FROM `article` WHERE `id` < 478840 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001127s ]
  12. SELECT * FROM `article` WHERE `id` > 478840 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001731s ]
  13. SELECT * FROM `article` WHERE `id` < 478840 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002581s ]
  14. SELECT * FROM `article` WHERE `id` < 478840 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.002022s ]
  15. SELECT * FROM `article` WHERE `id` < 478840 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.002090s ]
0.119871s