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夫妻一方征信差,影响房产抵押吗?

2026-05-08 06:48:19

夫妻一方征信差,影响房产抵押吗?

夫妻一方征信差，影响房产抵押吗？

一句话：有影响，但能办，关键看征信差到什么程度、房子是不是共有、谁做主贷人。
把这 3 点告诉我：
1）房子属性（婚前 / 婚后）
2）差征信方的逾期情况（近 2 年几次、有无连三累六）
3）好征信方的月收入和负债
我可以帮你定最优方案 + 可做银行 + 大概利率 / 额度。

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CONNECT:[ UseTime:0.001069s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001601s ]
SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.008030s ]
SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000713s ]
SHOW FULL COLUMNS FROM `set` [ RunTime:0.001529s ]
SELECT * FROM `set` [ RunTime:0.000605s ]
SHOW FULL COLUMNS FROM `article` [ RunTime:0.001634s ]
SELECT * FROM `article` WHERE `id` = 511672 LIMIT 1 [ RunTime:0.001108s ]
UPDATE `article` SET `lasttime` = 1778671342 WHERE `id` = 511672 [ RunTime:0.001571s ]
SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000646s ]
SELECT * FROM `article` WHERE `id` < 511672 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001232s ]
SELECT * FROM `article` WHERE `id` > 511672 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001028s ]
SELECT * FROM `article` WHERE `id` < 511672 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.012786s ]
SELECT * FROM `article` WHERE `id` < 511672 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.024972s ]
SELECT * FROM `article` WHERE `id` < 511672 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.011666s ]

0.240272s

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