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武汉|2026年8月新规建设银行—分期通,利率降至0.18%,不算征信负债,裸社保可做,可做全省

  • 2026-08-26 03:12:10
武汉|2026年8月新规建设银行—分期通,利率降至0.18%,不算征信负债,裸社保可做,可做全省

基本信息

更新内容：利率降至0.18%，裸社保可做。

额度：最高30万；
月利率：0.18%（1厘8）；
期限：最长5年期 ；
年龄要求：22-60周岁；
还款方式：等额本息，随借随还；
提前还款：无违约金；

申请时效：纯线上预审，通过后线下网点签约终审放款。

准入要求

①学历客群：武汉社保满3个月+大专及以上学历；
②社保客群：武汉本地社保，近12个月连续缴纳（社保需是公司缴纳）。
③房产客群：
①在武汉本地有固定工作单位且社保缴纳3个月及以上；
②有1年以上人行正常信贷记录；
③房产为武汉房（商品房）。
加分项：
①全日制本科及以上学历加分；

②武汉房产空间15%以上（计算方式：评估价减去所有负债）。

征信要求

查询：查询次数一个月不超3，半年不超6，一年不超12次（贷款审批，信用卡审批）；
逾期：无当前逾期，近半年无2，近一年无4；

负债：信用卡不超5张，近半年使用额度不超20万；信用贷款余额+信用卡已使用额度不超70万；贷款机构不超5家，其中非不超3家（按揭，抵押不算）。

建设银行分期通评测优势

1、可远程扫码过初审有额度再约面签；

2、裸社保可做，可做全省；

3、无需公积金，无需房，可单签；

4、不占贷款笔数，不占信用卡使用率。

办理流程

1、咨询：发公积金基数截图，征信，评估综合资质，确定适合做哪家银行及可贷额度；

2、进件：根据客户条件对接银行，客户提供资料，客户经理后台审查是否合格，预约签署合同放款。

非常规疑难杂症消费贷产品

①征信花，查询多；

②负债高，网贷笔数多；

③逾期多（两年内连三累六）；

④白户，多头借贷；

事业单位/公务员，公积金，征信差都可沟通。

本文来自网友投稿或网络内容，如有侵犯您的权益请联系我们删除，联系邮箱：wyl860211@qq.com 。

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  1. CONNECT:[ UseTime:0.000904s ] mysql:host=127.0.0.1;port=3306;dbname=f460;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.001718s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000472s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000321s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.001113s ]
  6. SELECT * FROM `set` [ RunTime:0.000349s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.001310s ]
  8. SELECT * FROM `article` WHERE `id` = 589790 LIMIT 1 [ RunTime:0.000479s ]
  9. UPDATE `article` SET `lasttime` = 1788440588 WHERE `id` = 589790 [ RunTime:0.002725s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000462s ]
  11. SELECT * FROM `article` WHERE `id` < 589790 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000518s ]
  12. SELECT * FROM `article` WHERE `id` > 589790 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000371s ]
  13. SELECT * FROM `article` WHERE `id` < 589790 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.000654s ]
  14. SELECT * FROM `article` WHERE `id` < 589790 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000682s ]
  15. SELECT * FROM `article` WHERE `id` < 589790 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.000900s ]
0.056937s