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能做郑州全域房产抵押的银行--中行房抵政策【最新】

  • 2026-08-07 11:40:06
能做郑州全域房产抵押的银行--中行房抵政策【最新】
      很多人可能听过中行的公积金贷、商户贷或者企业贷，其实在房屋抵押这一业务板块中行也有着独特优势，唯一的缺憾是房抵只能走经营，今天小编就把最新的中行房抵贷政策分享给诸位，觉得有用的朋友记得关注公众号收藏起来哦~
    一、产品详情
     1.额度：最高1000万
     2.利率：三年还本年化3.4%；1年还本年化3%，先息后本
     3.区域：市区+所有郊县
    4.房屋要求：住宅、别墅、写字楼、公寓、临街商铺均可；面积≥40平；土地性质须显示出让
     5.房龄：市区30年内；郊县20年内（优质客户可沟通25年内）
     6.年龄：抵押人18-65；借款人年龄+贷款年限＜70
     7.成数：住宅7成，别墅最高7成；公寓、商铺5成；写字楼4成
     8.经营要求：营业执照满1年，股东可做
     二、征信要求
     1.近两年逾期次数无连三累六；借款人及配偶无当前逾期
     2.对外担保逾期禁入
     3.信用卡使用率不超80%；如超可调整账单后进件
     4.不看查询
     5.不看负债
     三、产品优势
     1.住宅可以任意第三方借款
     2.不公证
     3.新房本可做
     4.房本为成套住宅，实际办公可做
     5.商铺打通可以做
     6.一房两本可做
     7.不查关联企业
     8.历史本金逾期的，系统通过可正常受理
     9.占股30%以上的股东可做借款人申请
     10.可多套房产同时抵押
     作为四大行之一的中行，其房抵优势也是十分明显的，并且是线上过系统，线下人工审批，沟通尺度大，特别是能做所有郊县房产，这是很多银行的抵押贷产品所不具备的。

---END

     我是郑州做助贷十年的李祺，专业房抵、车抵、公积金贷、商户贷、企业税票贷等各种融资业务，有任何融资方面的问题欢迎随时咨询交流！

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  1. CONNECT:[ UseTime:0.001107s ] mysql:host=127.0.0.1;port=3306;dbname=a_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001585s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000849s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000890s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001502s ]
  6. SELECT * FROM `set` [ RunTime:0.000593s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001767s ]
  8. SELECT * FROM `article` WHERE `id` = 552292 LIMIT 1 [ RunTime:0.001073s ]
  9. UPDATE `article` SET `lasttime` = 1786460779 WHERE `id` = 552292 [ RunTime:0.021470s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.001629s ]
  11. SELECT * FROM `article` WHERE `id` < 552292 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.001160s ]
  12. SELECT * FROM `article` WHERE `id` > 552292 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.001077s ]
  13. SELECT * FROM `article` WHERE `id` < 552292 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.002041s ]
  14. SELECT * FROM `article` WHERE `id` < 552292 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.006042s ]
  15. SELECT * FROM `article` WHERE `id` < 552292 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.009588s ]
0.220551s