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【苏州】在苏州,办理银行房产抵押贷,需要满足什么条件?

  • 2026-07-30 19:22:16
【苏州】在苏州,办理银行房产抵押贷,需要满足什么条件?
坐标苏州，本号主更银行系房产抵押相关讯息。
银行房产抵押贷，需要满足哪些条件才可以办理？
银行房抵，受理客群分为以下两类：
一：经营性房产抵押。
二：个人消费性房产抵押。
两类群体都需要满足的条件：
①：申请人年龄：18~69周岁。
其中，18~22/65~69周岁群体，需要父母或子女作为共借人。
②：征信：符合人行/申请行准入系统。
③：房产情况：产权清晰。
经营性房产抵押需满足条件：
①：经营（执照）时长：执照注册需至少满3个月。
执照不可有异常：税务、经济纠纷、地址异常等。
②：经营流水大于抵押金额。
③：合规的资金用途，即用于经营。
消费性房产抵押需要满足的条件：
①：合规的资金用途，即：用于哪类消费，并且提供相应的用途证明。
②：工作满一年，且工资收入大于整体月供负债。
③：再用贷款笔数小于等于5笔。
如有其他疑问，可评论区留言或点击本公众号主页。
感谢阅读！！！
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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:0.000404s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000610s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.006002s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000313s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000559s ]
  6. SELECT * FROM `set` [ RunTime:0.002037s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000627s ]
  8. SELECT * FROM `article` WHERE `id` = 550171 LIMIT 1 [ RunTime:0.002108s ]
  9. UPDATE `article` SET `lasttime` = 1785519324 WHERE `id` = 550171 [ RunTime:0.013682s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000377s ]
  11. SELECT * FROM `article` WHERE `id` < 550171 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000571s ]
  12. SELECT * FROM `article` WHERE `id` > 550171 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000489s ]
  13. SELECT * FROM `article` WHERE `id` < 550171 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.010327s ]
  14. SELECT * FROM `article` WHERE `id` < 550171 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000945s ]
  15. SELECT * FROM `article` WHERE `id` < 550171 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.000775s ]
0.122327s