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浙商银行—房产抵押贷款产品纲要【最新】

  • 2026-03-16 04:50:33
浙商银行—房产抵押贷款产品纲要【最新】
①企业抵押额度：单笔最高500万
②抵押利率：年化低至2.8%~3.3%
③抵押期限：3年/5年
④还款方式：随借随还，先息后本
⑤提前还款：无违约金
⑥对抵押物要求：

      1.住宅7成抵押率  

      2.刚下证可做

      3.商业用地可做（可7成）注重实际经营，营收.

      4.可做二押

⑦签约方式：线上/线下银行网点面签申请

准入要求：

①年龄：20-65周岁（含） 

②客户类群：

   青岛本地有房（可带押申请）

③营业执照要求：

   青岛地区执照注册满一年且过户满半年

④评估价格可参考：购房发票，购房合同
⑤准入地区: 
        青岛市：市辖区7个.代管县级市3个
 崂山区，市南区，市北区，李沧区
        城阳区，黄岛区，即墨区
        胶州市，莱西市，平度市
①逾期：无当前逾期，不得有3期连续逾期和连3累6；近一年逾期无2且一年内逾期次数不超6次；近两年逾期无3且两年内逾期次数不超9次
②贷款审批查询：系统数据通过即可 
一. 未婚状态
①身份证
②详版征信
③户口本（包含所有页数）
④房产证（可附加多套增加资信）
⑤个人详版纸质征信
⑥营业执照(副本/正本)
⑦公司章程（个体工商户不需要提供）
⑧公司章，财务章，法人章
⑨近一年入账流水（个人+对公账户）
⑩购房发票，购房合同，行驶证
二. 已婚状态
①夫妻双方身份证
②夫妻双方详版征信，结婚证
③夫妻双方户口本（包含所有页数）
④房产证（可附加多套增加资信）
⑤夫妻双方个人详版纸质征信
⑥营业执照(副本/正本)
⑦公司章程（个体工商户不需要提供）
⑧公司章，财务章，法人章
⑨夫妻双方近一年入账流水
⑩购房发票，购房合同，行驶证
三. 离异状态
①身份证
②详版征信，离婚证，离婚协议
③户口本（包含所有页数）
④房产证（可附加多套增加资信）
⑤个人详版纸质征信
⑥营业执照(正本/副本)
⑦公司章程（个体工商户不需要提供）
⑧公司章，财务章，法人章
⑨近一年入账流水（个人+对公账户）
⑩购房发票，购房合同，行驶证
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2026.2.28【靖江萌鸭】招聘、房产、二手、本地服务信息汇总

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  1. CONNECT:[ UseTime:0.000495s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000728s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000323s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000269s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000462s ]
  6. SELECT * FROM `set` [ RunTime:0.000192s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000509s ]
  8. SELECT * FROM `article` WHERE `id` = 479923 LIMIT 1 [ RunTime:0.003269s ]
  9. UPDATE `article` SET `lasttime` = 1776422351 WHERE `id` = 479923 [ RunTime:0.005740s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000317s ]
  11. SELECT * FROM `article` WHERE `id` < 479923 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000584s ]
  12. SELECT * FROM `article` WHERE `id` > 479923 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001455s ]
  13. SELECT * FROM `article` WHERE `id` < 479923 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000908s ]
  14. SELECT * FROM `article` WHERE `id` < 479923 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.006579s ]
  15. SELECT * FROM `article` WHERE `id` < 479923 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.005128s ]
0.108946s