[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-293":3,"articles-for-recommend-293":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},293,"渣打发票贷-逸商贷，企业满3年，开票340万，0纳税，69岁都能批！","\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192);\">\u003Cem>\u003Cstrong>\u003Cspan style=\"font-size: 16px;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 18px;\">\u003C\u002Fspan>独家审批技巧：\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①做渣打一定满足硬条件，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px; text-decoration: underline;\">不够3年不做，变更不到1年不做\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">，等额负债少的最好批\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">②渣打取消应税开票340万以上的要求，当前实际开票符合340万标准即可申请，\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">0税企业允许申请\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③建筑，批发，零售，制造类行业1000万开票可背动3.5万月供，科技，技术服务，信息，软件开发类行业1000万开票可背动7万月供\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④当前\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px; text-decoration: underline;\">被告\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">能做，\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">1年前黑户\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">也能做，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px; text-decoration: underline;\">69岁\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">之前都能做\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240509\u002F77b49f3e22aea60eec7726cb942920c8.png\" title=\"77b49f3e22aea60eec7726cb942920c8.png\" alt=\"77b49f3e22aea60eec7726cb942920c8.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192);\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192);\">基本要素\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①授信额度：最高200万\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">②期限：12\\24\\36期\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③利息：年化9.9%-18%\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px; text-decoration: underline;\">（件均12%）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④额度：综合资质审批，\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">对公\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">账户放款\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">⑤还款方式：等额本息，可提前还款无违约金\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192);\">企业要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①年龄：\u003C\u002Fspan>\u003Cspan style=\"color: rgb(255, 0, 0); font-size: 16px; text-decoration: underline;\">21-69周岁\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">，户籍不限，港澳台法人可对接线下\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">②公司\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">成立3年\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">以上，硬性标准，不够的够了再做\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③法人变更满一年，\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">法人不占股\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">（变更不足可以先走线上，再走线下）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④开票记录线下对接至少满2年，线上满1年即可（实际不满也能尝试），\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">近1年实际开票\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">在340万-1.02亿之间\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">⑤开票可断-不看断票，\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">不看纳税评级\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">-D级也能做，不看利润表正负，年开票\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">下滑不超40%\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">，经营性贷款总额\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">不超开票40%\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">⑥企业当前\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">不能有关注\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">及以上异常（借新还旧客户出具银行证明可做，处理过的关注及其他异常需满9个月）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240509\u002F34a0a9efd2d70f2e9c4db2ca6e96190c.png\" title=\"34a0a9efd2d70f2e9c4db2ca6e96190c.png\" alt=\"34a0a9efd2d70f2e9c4db2ca6e96190c.png\"\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192);\">征信要求\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">白户可做\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">②查询：一年内不超过21次，60日内统一查询机构查询视为一次，（\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">只计算贷款审批查询、信用卡审批\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③逾期：当前无1，半年无2，一年无3，过往\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">历史逾期不看\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④只看1年内征信，不看贷款笔数，但\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">小贷过多容易降级\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">降额\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192);\">开通区域\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">请参考【\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">企融帮数科\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">】产品页面详情\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cbr\u002F>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192);\">业务流程\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>①\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">联系客服获取进件通道\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">②预审出额度\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③补充资料提交终审\u003Cbr\u002F>④终审通过，线上提交资料，渣打方面开户放款\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em; text-align: center;\">\u003Cspan style=\"font-size: 16px;\">\u003Cimg src=\"https:\u002F\u002Fkn-qrbold.oss-cn-beijing.aliyuncs.com\u002Fuploads\u002Fueditor\u002F20240509\u002Fbe62ae4082611359049047f7c481f796.png\" title=\"be62ae4082611359049047f7c481f796.png\" alt=\"be62ae4082611359049047f7c481f796.png\"\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: normal;\">\u003Cspan style=\"font-size: 16px;\">\u003Cbr\u002F>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"color: rgb(0, 112, 192); font-size: 16px;\">\u003Cem>\u003Cstrong>\u003Cspan style=\"color: rgb(0, 112, 192);\">产品优势\u003C\u002Fspan>\u003C\u002Fstrong>\u003C\u002Fem>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">①征信查询只看近一年贷款和信用卡审批，中途有重复查询只算一次（\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">去重\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">②额度高：200万，\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">件均80万\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">以上\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">③贷款期限长：贷款期限3年，100万每月仅还3万多，企业还款压力小，贷款满1年可续贷、增贷（本金无需结清），\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">每月都有降息名额\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">④仅考虑开票额，\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">不考虑\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">纳税等级、\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">不考虑\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">纳税额（免税、退税、抵扣税均可进件）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">⑤\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">风控逻辑\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">：建筑，批发，零售，制造类行业1000万开票可背动3.5万月供；科技，技术服务，信息，软件开发类行业1000万开票可背动7万月供\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"line-height: 2em;\">\u003Cspan style=\"font-size: 16px;\">⑥原告正常进件，目前被告诉讼也没问题，只要\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px; text-decoration: underline; color: rgb(255, 0, 0);\">未进入执行就能批\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">出来额度\u003C\u002Fspan>\u003C\u002Fp>","#渣打发票贷 #渣打逸商贷","2025-07-10 18:15:33","易企胜","",131,1,{"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},665,10,67,1776829691840]