[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-267":3,"articles-for-recommend-267":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},267,"分享！朋友圈爆火的交通银行惠民贷到底什么资质才能批~","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑; letter-spacing: 0px;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 18px;\">\u003C\u002Fspan>“惠民贷”是交通银行推出的一款\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑; letter-spacing: 0px; color: rgb(255, 0, 0);\">线上申请的消费贷款，无需担保，纯信用贷款\u003C\u002Fspan>，方便快捷！\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑; letter-spacing: 0px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑; letter-spacing: 0px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240119\u002F50812decd68667c53680a282622ee664.png\" title=\"50812decd68667c53680a282622ee664.png\" alt=\"50812decd68667c53680a282622ee664.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"letter-spacing: 0px; font-size: 16px; font-family: 微软雅黑;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 0px; font-size: 16px; font-family: 微软雅黑;\">本篇文章为大家详细介绍一下惠民贷的申请条件及注意事项：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">一、产品信息\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">贷款额度：\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">最高 20 万；线上申请+线下审批（即去网点找客户经理）：最高 80 万；\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">贷款利率：年化 3.24%起\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">贷款期限：最长36期，循环使用\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">还款方式：\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">先息后本（一年内），等额本息（一年以上）\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">提前还款：无违约金\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240119\u002F08ab4cd77ab47cc513306b255f9736e4.png\" title=\"08ab4cd77ab47cc513306b255f9736e4.png\" alt=\"08ab4cd77ab47cc513306b255f9736e4.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">二、准入条件\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">1、\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">男性25-57周岁，女性25-52周岁\u003C\u002Fspan>;\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2、借款主体：个人;\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">准入条件(以下要求满足一个就可以)\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 0px; font-size: 16px; font-family: 微软雅黑;\">① 交通银行信用卡或储蓄卡持卡人、交通银行理财存款特定授信客群\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">②交通银行有6个月的打卡代发工资\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"letter-spacing: 0px; font-family: 微软雅黑; font-size: 16px;\">③交通银行的月供房（抵押或按揭），他行有月供房（抵押或按揭）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">④公积金缴纳客户，基数5000以上（优质单位为主，缴纳满6个月以上）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 19px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240119\u002Fb9606b8e64a1536e01c5108a7bef8980.png\" title=\"b9606b8e64a1536e01c5108a7bef8980.png\" alt=\"b9606b8e64a1536e01c5108a7bef8980.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 19px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">三、征信要求\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 19px;\">\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑;\">1、查询：\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 19px; color: rgb(255, 0, 0);\">\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑;\">近 2 个月查询记\u003C\u002Fspan>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; color: rgb(255, 0, 0); font-size: 16px;\">\u003Cspan style=\"font-family: 微软雅黑;\">录≤6 次；（存量和优质单位可到\u003C\u002Fspan>9次，交通是第9次）\u003Cspan style=\"font-family: 微软雅黑;\">近1年＜\u003C\u002Fspan>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; font-family: 微软雅黑;\">12次，近2年＜18次\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">2、逾期：当前无逾期，历史无严重逾期（2 及以上），近2年逾期无连3累6\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">3、非白户，征信不能显示次级、可疑、损失、担保代偿等字样4、信贷笔数不超4家，无未结清经营性贷款\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">5、\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">负债优质客户＜150万；一般客户＜80万；信用卡使用率≤80%\u003C\u002Fspan>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: normal;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px; color: rgb(255, 0, 0);\">四、惠民贷需要办理交行储蓄卡吗？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cstrong>\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">需要，惠民贷也可以放款到二类账户，二类账户提款限额不超20万\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"font-family: 微软雅黑; letter-spacing: 0px; font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240119\u002Fee982ea972e1983f29f98737ed18d822.png\" title=\"ee982ea972e1983f29f98737ed18d822.png\" alt=\"ee982ea972e1983f29f98737ed18d822.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"font-family: Calibri; font-size: 14px; white-space: normal; line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 0, 0);\">\u003Cstrong>\u003Cspan style=\"letter-spacing: 0px; font-size: 16px; font-family: 微软雅黑;\">五、申请方式：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"white-space: normal; line-height: 2em;\">\u003Cfont color=\"#ff0000\" face=\"微软雅黑\">\u003Cspan style=\"caret-color: rgb(255, 0, 0);\">联系客服单独拿码（加白）\u003C\u002Fspan>\u003C\u002Ffont>\u003C\u002Fp>","#交通银行 #惠民贷","2025-07-10 18:15:26","易企胜","",133,1,{"code":4,"message":5,"data":17,"meta":68},[18,23,28,33,38,43,48,53,58,63],{"id":19,"title":20,"cover_img":21,"is_pay":15,"create_time":22},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","2026-04-16 09:46:33",{"id":24,"title":25,"cover_img":26,"is_pay":15,"create_time":27},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":29,"title":30,"cover_img":31,"is_pay":15,"create_time":32},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":34,"title":35,"cover_img":36,"is_pay":15,"create_time":37},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":39,"title":40,"cover_img":41,"is_pay":15,"create_time":42},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":44,"title":45,"cover_img":46,"is_pay":15,"create_time":47},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":49,"title":50,"cover_img":51,"is_pay":15,"create_time":52},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":54,"title":55,"cover_img":56,"is_pay":15,"create_time":57},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":59,"title":60,"cover_img":61,"is_pay":15,"create_time":62},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":64,"title":65,"cover_img":66,"is_pay":15,"create_time":67},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":69,"per_page":70,"current_page":15,"last_page":71},665,10,67,1776829689928]