[{"data":1,"prerenderedAt":69},["ShallowReactive",2],{"article-1062":3,"articles-for-recommend-1062":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},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？","\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">如题，我今天讲讲\u003C\u002Fspan>\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">微众个人经营贷\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">产品，就是最高50万的那个，就是跟着微业贷一起批出来的那个，单独做的话，\u003C\u002Fspan>\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">什么客群\u003C\u002Fspan>\u003Cspan style=\"font-size: 16px;\">达标什么资质可以出额？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cimg src=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FYxCSG5kiar.jpg\" alt=\"a7ecd3144efb1df7e049bc05dc885b42.jpg\" data-href=\"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FYxCSG5kiar.jpg\" width=\"\" height=\"\" style=\"\">\u003C\u002Fp>\u003Cp style=\"text-align: left;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">两个客群：个体户、企业类型。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">企业都知道能批，微业贷批出来以后，全世界都看见个人版页面也有额度，这是开票纳税的客群，就不多讲了。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">那么问题来了，个体户没有开票纳税，单独用个人版申请码能不能批出来额度呢？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">答案是肯定的。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">个体户很多是没有开票纳税，但是有流水啊，当然这个流水也有讲究的，私人卡流水肯定是不识别的，银联貌似也不行，那这个产品识别什么流水呢？\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(54, 88, 226); font-size: 16px;\">划重点：微信流水+房贷\u002F房抵。（仅供参考）\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">这个认知是我个人的见解，仅供参考哈，就好像平安普惠一样，系统去识别你的数据你的资产，微众个人版也差不多，对于个体户来说，就没有开票纳税，就是需要本行流水+房产才好批。\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left;\">\u003Cbr>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"color: rgb(225, 60, 57); font-size: 16px;\">简单罗列：\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">\u003Cu>\u003Cem>客户是法人、经营者还是股东10%持股都可以做；\u003C\u002Fem>\u003C\u002Fu>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">\u003Cu>\u003Cem>要求年龄22-60周岁，和微业贷是同步的；\u003C\u002Fem>\u003C\u002Fu>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">\u003Cu>\u003Cem>成立满1年，变更也要满1年；\u003C\u002Fem>\u003C\u002Fu>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">\u003Cu>\u003Cem>非白户，近1月贷款查询不超4，近2月不超5，近3月不超8；\u003C\u002Fem>\u003C\u002Fu>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: left; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">\u003Cu>\u003Cem>负债建议有房的，不超资产的10成，无房的不超微信年流水的30%，信用卡率不超80%。\u003C\u002Fem>\u003C\u002Fu>\u003C\u002Fspan>\u003C\u002Fp>\u003Cp style=\"text-align: justify; line-height: 2;\">\u003Cspan style=\"font-size: 16px;\">最后就是网贷了，很头疼，网贷账户多的、月为0的，剩余金额少的，建议都先结清注销再做吧。\u003C\u002Fspan>\u003C\u002Fp>","微众个人经营贷","2026-04-16 09:46:33","易企胜","",440,1,{"code":4,"message":5,"data":17,"meta":65},[18,20,25,30,35,40,45,50,55,60],{"id":7,"title":8,"cover_img":19,"is_pay":15,"create_time":11},"https:\u002F\u002Fqrbsk-dev.oss-cn-beijing.aliyuncs.com\u002Fimages\u002FaZs5ZxjCJx.png",{"id":21,"title":22,"cover_img":23,"is_pay":15,"create_time":24},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":26,"title":27,"cover_img":28,"is_pay":15,"create_time":29},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":31,"title":32,"cover_img":33,"is_pay":15,"create_time":34},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":36,"title":37,"cover_img":38,"is_pay":15,"create_time":39},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":41,"title":42,"cover_img":43,"is_pay":15,"create_time":44},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":46,"title":47,"cover_img":48,"is_pay":15,"create_time":49},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":51,"title":52,"cover_img":53,"is_pay":15,"create_time":54},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":56,"title":57,"cover_img":58,"is_pay":15,"create_time":59},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":61,"title":62,"cover_img":63,"is_pay":15,"create_time":64},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":66,"per_page":67,"current_page":15,"last_page":68},665,10,67,1776829682986]