当前位置：首页>郑州>郑州农商行【金燕e贷】进件标准与要求整理好了,最高30万,年化3.1%,不看查询,快来了解学习吧!

郑州农商行【金燕e贷】进件标准与要求整理好了,最高30万,年化3.1%,不看查询,快来了解学习吧!

  • 2026-06-18 06:06:53
郑州农商行【金燕e贷】进件标准与要求整理好了,最高30万,年化3.1%,不看查询,快来了解学习吧!
点击蓝色豫想贷快来关注我们吧，每天不定时分享金融知识！
农商银行-金燕e贷
农商银行【金燕e贷】最高30万，年利率3.1%起，最长可贷3年，单签、易出额，负债100万以内，不看小贷，不看信用卡使用率，不看查询。
金燕e贷优势
  • 不看查询 ： 负债100万以内，不看小贷，不看信用卡使用率，不看查询。
  • 单签 ：已婚，离异，单身都可单签
  • 易出额 ：只要跟新密有关系的，哪怕是私企，哪怕没公积金，什么资质都没有，都可以出额（5-15万）
产品详情
  1. 年龄 ：20-60周岁
  2. 额度 ：最高30万
  3. 利率 ：3.1%
  4. 期限 ：1-3年
  5. 还款方式 ：先息后本，随借随还，无违约金
  6. 准入区域 ：0371范围内
准入客群
  • 国企 ， 央企 ， 事业单位 ， 机关单位 ， 公立学校 ， 三级医院 等
  • 公积金缴存比例 ：单位/个人需要缴纳 12%以上 。
  • 新密 房产，新密单位、新密户籍等 客群
  • 国企以上单位 ，但是 公积金缴存比例不足12%
征信要求
  • 查询 ：近3个月查询不超6次
  • 逾期 ：近5年内不能连3累6
  • 负债 ：最好不超100万，他行信用贷款不超3家
  • 信用卡 ：不看信用卡使用率
  • 小贷 ：不看小贷
  • 资产 ：名下有房可以提高通过率
  • 负面 ：历史不能有涉诉或者被执行
申请资料和流程
  • 申请资料 ： 身份证、婚姻资料，房产资料
  • 申请流程 ： 扫码以后拍取公积金资料，婚姻资料，房产资料提交以后-确定审批安排下户考察-出额放款！
产品优势
  • 事业单位 国企、央企无房可单签
  • 私企、三方、资质好的可以单签
  • 不看公积金基数，贷款机构数可沟通，不看信用卡使用率
  • 逾期连2有个十几次能沟通
免责声明：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删除，谢谢！
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  1. CONNECT:[ UseTime:0.001011s ] mysql:host=127.0.0.1;port=3306;dbname=i460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001648s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000747s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000648s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001391s ]
  6. SELECT * FROM `set` [ RunTime:0.000536s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001592s ]
  8. SELECT * FROM `article` WHERE `id` = 537661 LIMIT 1 [ RunTime:0.079759s ]
  9. UPDATE `article` SET `lasttime` = 1781884451 WHERE `id` = 537661 [ RunTime:0.006948s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.004830s ]
  11. SELECT * FROM `article` WHERE `id` < 537661 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.009882s ]
  12. SELECT * FROM `article` WHERE `id` > 537661 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.020024s ]
  13. SELECT * FROM `article` WHERE `id` < 537661 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.073682s ]
  14. SELECT * FROM `article` WHERE `id` < 537661 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.016157s ]
  15. SELECT * FROM `article` WHERE `id` < 537661 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.010772s ]
0.396673s