[{"data":1,"prerenderedAt":72},["ShallowReactive",2],{"article-628":3,"articles-for-recommend-628":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},628,"学历贷风口，百信银行好会花，最高20万，突破40岁限制，无学历有工作准入！","\u003Cp style=\"text-align: start;\">\u003Cspan style=\"color: rgb(216, 68, 147);\">2025.8.22重要通知：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: start;\">1、\u003Cspan style=\"color: rgb(54, 88, 226);\">百信学历贷好会花\u003C\u002Fspan>调整完成，\u003Cspan style=\"color: rgb(54, 88, 226);\">专科（大专）和无学历（中专、高中及以下）\u003C\u002Fspan>但有工作的人群授信已优化完成，通过率大幅上涨！\u003C\u002Fp>\u003Cp style=\"text-align: start;\">2、优化额度：优化结果已提高至人均5万，放开初期额度限制！\u003C\u002Fp>\u003Cp style=\"text-align: start;\">3、年龄优化：\u003Cspan style=\"color: rgb(54, 88, 226);\">优化结果准入40岁以上有学历人群\u003C\u002Fspan>，大专以上审批通过率大幅上涨！\u003C\u002Fp>\u003Cp style=\"text-align: center;\">\u003Cimg src=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FziDTFcMStZ.png\" alt=\"image.png\" data-href=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FziDTFcMStZ.png\" width=\"\" height=\"\" style=\"\">\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cspan style=\"color: rgb(54, 88, 226);\">产品介绍：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">额度：最高20万\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">期限：单笔借款最长36期\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">利息：年化利率6%起（最长30天免息）\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">还款：先息后本，等额本息，随借随还\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">提还：提前还款无违约金\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">区域：全国\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">方式：线上申请，线上审批，线上放款，可放款到其他银行卡比如四大行一类卡\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cspan style=\"color: rgb(54, 88, 226);\">准入要求：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">1、年龄：22-40岁\u003Cspan style=\"color: rgb(54, 88, 226);\">（实测40岁以上有学历也批出来了）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">2、手机实名在网时长6个月\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">3、全日制专科及以上学历优先审批（必须已毕业，非在读函授等，国外大学暂不准入）\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">4、单签个人，无需担保\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cspan style=\"color: rgb(54, 88, 226);\">征信要求：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">1、近1个月贷款+信用卡审批查询机构数≤4，近3个月贷款+信用卡审批查询机构数≤6\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">2、无当前逾期，无连三累六，历史无严重逾期\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">3、白户禁入，总负债无明确要求\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">4、征信五级分类正常，无呆账、坏账、止付、冻结、核销等状态\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">5、申请人无公开被执行、当前无涉案涉诉、无失信等记录\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cspan style=\"color: rgb(54, 88, 226);\">精准客群：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">1、身份证日期放开年龄40周岁以上\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">2、白领客群\u002F二战考研客群\u002F考编客群\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">3、一二线城市（学历人群浓度高）\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cspan style=\"color: rgb(54, 88, 226);\">申请流程：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">报备信息与客服—获取申请通道—提交信息—审批放款\u003C\u002Fp>\u003Cp style=\"text-align: justify;\">\u003Cspan style=\"color: rgb(216, 68, 147);\">（目前放款有30天免息券可用）\u003C\u002Fspan>\u003C\u002Fp>","百信银行学历贷好会花","2025-08-22 17:01:45","易企胜","",174,1,{"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},665,10,67,1776829686712]