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没有公司,可以办理房产抵押吗?

  • 2026-05-10 14:47:47
没有公司,可以办理房产抵押吗?

🔥没有公司，可以办理房产抵押吗？

经常有朋友问我🤔
没有营业执照还能办房产抵押吗？

其实是可以的✅
我们有两种方法：

❤️① 我们可以办消费型抵押
消费型抵押是不需要营业执照

❤️② 我们还可以办新办营业执照
有的银行呢，就是门槛会相对低一点，新办的营业执照也可以做经营性抵押。

那我们到底怎么选呢？💡

总的来说办经营性抵押的人还是多一些
因为经营性抵押利息要更低

苏州这边的话📊
经营性抵押，普遍在年息2.7~3.0
如果额度大的话利率还可以下到2.35%

而消费型的话最低也要3%
条件不怎么好的话，高的要去到年化5%了

以上

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❤️我是老张，扎根苏州，从业13年
关注我，融资不走弯路！

🏠苏州房产抵押，这5件事搞错！

苏州房产抵押热门问题解答🏠✨

苏州房产抵押怎么办理？全流程解析！

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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:0.000431s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000596s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000283s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.002801s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000712s ]
  6. SELECT * FROM `set` [ RunTime:0.000303s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000590s ]
  8. SELECT * FROM `article` WHERE `id` = 517703 LIMIT 1 [ RunTime:0.006573s ]
  9. UPDATE `article` SET `lasttime` = 1778404312 WHERE `id` = 517703 [ RunTime:0.012052s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000327s ]
  11. SELECT * FROM `article` WHERE `id` < 517703 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000568s ]
  12. SELECT * FROM `article` WHERE `id` > 517703 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000537s ]
  13. SELECT * FROM `article` WHERE `id` < 517703 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000749s ]
  14. SELECT * FROM `article` WHERE `id` < 517703 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000568s ]
  15. SELECT * FROM `article` WHERE `id` < 517703 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.012074s ]
0.110946s