[{"data":1,"prerenderedAt":73},["ShallowReactive",2],{"article-207":3,"articles-for-recommend-207":16},{"code":4,"message":5,"data":6},200,"success",{"id":7,"title":8,"content":9,"keywords":10,"date":11,"author":12,"readTime":13,"category":13,"views":14,"summary":13,"is_pay":15},207,"【限时免费】建行惠懂你最新申请提额策略详解（外面很少见）","\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"white-space: normal;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 82, 255); visibility: visible; box-sizing: border-box !important; word-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; word-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; font-size: 18px;\">\u003C\u002Fspan>一、建行惠懂你申请条件\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"white-space: normal;\">1、年龄18-65周岁\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; word-wrap: break-word !important;\">2、执照满一年以上，全国进件\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; word-wrap: break-word !important;\">3、有实体经营一年以上、工商无不良税务违规记录\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; visibility: visible; box-sizing: border-box !important; word-wrap: break-word !important;\">4、\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; color: rgb(255, 0, 0); visibility: visible; box-sizing: border-box !important; word-wrap: break-word !important;\">年收款流水超过信贷负债金额\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 82, 255); box-sizing: border-box !important; word-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; box-sizing: border-box !important; word-wrap: break-word !important;\">二、惠懂你征信要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; box-sizing: border-box !important; word-wrap: break-word !important;\">1、\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; font-size: 15px; color: rgb(255, 0, 0); box-sizing: border-box !important; word-wrap: break-word !important;\">近一年贷款查询低于12次，近半年低于6次，近一个月低于4次(快贷不看查询)；若条件好，查询多些可以尝试申请\u003C\u002Fspan>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">2、负债个人不超100万，企业负债不超300万，总负债额不能超500万(含抵押)\u003Csection>3、个人非银行贷款不超过2笔(小贷消金)，负债金额低于50万(不含信用卡)；企业征信信用负债不超3笔\u003C\u002Fsection>\u003Csection>4、信用卡在使用张数4笔内(总使用率60%以内不看张数)\u003Csection>5、当前不能有1、近两年无6次1、两年不能有2\u003Csection>6、企业法人不能有对外担保，不能有关联担保，征信贷款为冻结、关注、止付、可疑不准入\u003Csection>\u003Cbr\u002F>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 82, 255); box-sizing: border-box !important; word-wrap: break-word !important;\">\u003Cstrong style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">三、惠懂你准入条件\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; box-sizing: border-box !important; word-wrap: break-word !important;\">客户画像群体:\u003C\u002Fspan>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; color: rgb(255, 0, 0); box-sizing: border-box !important; word-wrap: break-word !important;\">个体工商户\u002F有限公司\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; visibility: visible; color: rgb(0, 82, 255); box-sizing: border-box !important; word-wrap: break-word !important;\">(一)个体户授信额度风控模型分类:\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>1、有使用银联收款码\u002FPOS机等，建行流水三月以上\u003C\u002Fsection>\u003Csection>2、建行储蓄卡有大额流水停留24小时以上AUM值较大的群体\u003C\u002Fsection>\u003Csection>3、有购买建行贵金属产品，金融理财，保险等产品\u003C\u002Fsection>\u003Csection>4、有固定资产在建行，如房贷，装修贷，大额存单等\u003C\u002Fsection>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 82, 255); box-sizing: border-box !important; word-wrap: break-word !important;\">(二)有限公司授信风控模型分类\u003C\u002Fspan>\u003C\u002Fsection>\u003Csection>1、年纳税在3000元以上,有纳税评价ABM级\u003C\u002Fsection>\u003Csection>2、年流水在100万以上，真实开的增值税专用发票\u003C\u002Fsection>\u003Csection>3、有建行基本户或者一般户开通结算账户，代发，协议等并且在使用\u003C\u002Fsection>\u003Csection>4、建行行业白名单客户群体惠懂你建档\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp style=\"white-space: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"white-space: normal;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(255, 0, 0); box-sizing: border-box !important; word-wrap: break-word !important;\">建档\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"white-space: normal;\">\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;\">建档材料：身份证正反面、营业执照、惠懂你实名手机号码\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"white-space: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp>\u003Csection>\u003Cspan style=\"margin: 0px; padding: 0px; outline: 0px; max-width: 100%; color: rgb(0, 82, 255); box-sizing: border-box !important; word-wrap: break-word !important;\">建档的几种方式：\u003C\u002Fspan>\u003C\u002Fsection>\u003C\u002Fp>\u003Cp>\u003Cspan style=\"font-size: 18px;\">\u003C\u002Fspan>\u003Cbr\u002F>\u003C\u002Fp>","#惠懂你 #建行","2025-07-10 18:15:07","易企胜","",137,2,{"code":4,"message":5,"data":17,"meta":69},[18,24,29,34,39,44,49,54,59,64],{"id":19,"title":20,"cover_img":21,"is_pay":22,"create_time":23},1062,"微众个人经营贷（个体户）到底符合什么资质才能批出来额度？","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FaZs5ZxjCJx.png",1,"2026-04-16 09:46:33",{"id":25,"title":26,"cover_img":27,"is_pay":22,"create_time":28},1061,"富民银行发票贷—富业贷重磅回归，需查白名单，2026年3月最新申请大纲！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FE5WxtMY6Yf.png","2026-03-30 16:48:24",{"id":30,"title":31,"cover_img":32,"is_pay":22,"create_time":33},1060,"商户贷陪跑必看：不搞懂银行流水，你永远贷不到钱！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FNJtXwecC1i.jpg","2026-03-26 12:29:09",{"id":35,"title":36,"cover_img":37,"is_pay":22,"create_time":38},1059,"2026年最新总结：交通银行惠民贷出额逻辑！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FbEbFYfMNkr.png","2026-03-23 11:37:05",{"id":40,"title":41,"cover_img":42,"is_pay":22,"create_time":43},1058,"建行惠懂你：个体户26年3月最新贷款标准、出额规则、扣减规则！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FrpYsAnFFhd.jpg","2026-03-19 16:15:54",{"id":45,"title":46,"cover_img":47,"is_pay":22,"create_time":48},1057,"助贷中介必看：企业融资税票贷注意事项！（小白科普文）","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F3FQjXYA5wX.jpg","2026-03-18 10:36:31",{"id":50,"title":51,"cover_img":52,"is_pay":22,"create_time":53},1056,"为什么都做交通惠商贷2.0，少有人做普惠e贷，原因很简单！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FhJhwTcfkzA.png","2026-03-16 16:05:41",{"id":55,"title":56,"cover_img":57,"is_pay":22,"create_time":58},1055,"今年315为啥没有曝光助贷的事儿？","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FFB7PBE5CSf.png","2026-03-16 10:45:17",{"id":60,"title":61,"cover_img":62,"is_pay":22,"create_time":63},1054,"日不落产品—微业贷，营业执照满1年即可准入，股东持股10%可申请！","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FC4hx8X68t7.png","2026-03-05 14:56:43",{"id":65,"title":66,"cover_img":67,"is_pay":22,"create_time":68},1053,"2026交通银行经营贷—惠商贷2.0最新产品图文操作流程（建议收藏）","https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002F6R5PdehEpn.png","2026-02-28 10:08:03",{"total":70,"per_page":71,"current_page":22,"last_page":72},665,10,67,1776829689272]