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郑州银行公积金—郑e贷

  • 2026-03-31 08:25:17
郑州银行公积金—郑e贷

基本信息

期限：最长5年期。
额度：最高50万
利息：最低年化3%起（第一年）
年龄要求：22—60周岁。
户籍要求：大陆户籍。
还款方式：先息后本/等额本息，随借随还
范围：有郑州银行行口即可

申请条件

满足以下条件任意一点：

①、本行存量客户、AUM客户

②、公积金缴存单位在银行白名单、公积金用户缴存1年以上。

③、优质单位可加白（公务员、事业单位、学校、医院、国企、央企上市公司、金融业等）

④、郑州银行卡代发工资用户

⑤、郑州银行按揭房用户、还款6个月以上

⑥、郑州银行理财用户

征信要求(建议)

①、查询：近3个月≤4次

②、逾期：2年不超6个1，不能有2，当前无逾期

③、贷款机构：信贷机构数≤5笔

④、负债：信用负债<120万

⑤、信用卡使用率：

  • 近半年使用额度超过20万的，使用率不超50%，

  • 近半年使用额度不超20万的，使用率不能超80%。

⑥、月收入＞月支出

额度核算（仅供参考）

公积金基数*36倍 （不扣减负债）

  • 基数3000-4500      含本笔贷款负债小于50w

  • 基数4500-6000      含本笔贷款负债小于70w

  • 基数6000-10000    含本笔贷款负债小于80w

  • 基数10000-15000  含本笔贷款负债小于100w

  • 基数15000 含本笔贷款负债小于120w

①、A、B类单位：

  • 1-3年期：3%

  • 5年期：3.65%

②、C类单位：

  • 1-3年期：3.2%

  • 5年期：4.2%

          产品信息来源于产品方官网/网点/客户经理或者第三方公开信息平台，最终以产品方发布为准。本平台只做信息整合分享，如涉及侵权等问题，请与我们公众号联系联系小编予以删除，非常感谢！
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  139. /yingpanguazai/ssd/ssd1/www/i.460.net.cn/runtime/temp/ea612fc1da910b74827694dd9af81119.php ( 11.98 KB )
  140. /yingpanguazai/ssd/ssd1/www/i.460.net.cn/vendor/topthink/think-trace/src/Html.php ( 4.42 KB )
  1. CONNECT:[ UseTime:0.000621s ] mysql:host=127.0.0.1;port=3306;dbname=i460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000821s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000316s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000278s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000469s ]
  6. SELECT * FROM `set` [ RunTime:0.000189s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000551s ]
  8. SELECT * FROM `article` WHERE `id` = 492852 LIMIT 1 [ RunTime:0.000958s ]
  9. UPDATE `article` SET `lasttime` = 1775412541 WHERE `id` = 492852 [ RunTime:0.002494s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000213s ]
  11. SELECT * FROM `article` WHERE `id` < 492852 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000495s ]
  12. SELECT * FROM `article` WHERE `id` > 492852 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000365s ]
  13. SELECT * FROM `article` WHERE `id` < 492852 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.004701s ]
  14. SELECT * FROM `article` WHERE `id` < 492852 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.001591s ]
  15. SELECT * FROM `article` WHERE `id` < 492852 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001357s ]
0.082616s