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农业银行乐分易,不看负债.

  • 2026-06-03 23:29:18
农业银行乐分易,不看负债.

所有内容都是经过本人大量实操总结出来。

农业银行—乐分易

产品信息

额度：30万

利率：

非白名单年利率3.9%（折算费率0.18%）

白名单：年利率3.2%（折算费率0.15%）

期限：5年

还款方式：5年等本

年龄：23-60岁

流程：不限白名单，扫码测额，网点签约

准入要求（参考）

满足之一即可：
1.优质单位个税11w以上或者公积金1285以上
2.普通单位个税15w以上或者公积金1750以上
优势：
1.乐分易当天可以和网捷贷/业主贷同时申请，算一次查询，不用共享额度
2.网捷贷/业主贷按照公积金或者个税的36倍去除信贷类负债测算，3年先息后本不归本

征信要求（参考）

1.征信无当前逾期，近两年无连3累6；近半年内逾期不超2次

2.查询：近1个月查询次数≤4次；3个月查询≤6次；6个月查询≤15次，1年不超过20次

3.信用卡使用率70%内

4.银行类负债清看，公积金越高，单位越好，对负债容忍度越高

5.历史网贷数据越少越好

往期回顾

加v：Rxuzhou 

收藏！徐州22家详版征信打印网点汇总

兴业消费金融贷款最新产品大纲，线下审批不限网贷笔数！不看信用卡使用率

徐州个人详版征信报告查询地点及打印指引

南银法巴消费金融诚易贷徐州申请条件

债务重组全流程｜小白必看

交通银行惠民贷改利率攻略

免责申明：产品信息来源于机构官网/网点/客户经理，或第三方公开信息平台，最终以产品机构发布为准，如产品信息有误或其他异议，可在该页面下方留言。

没有无缘无故的相遇，你能看到我的文章，那么我一定能够帮助到你！

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  1. CONNECT:[ UseTime:0.000515s ] mysql:host=127.0.0.1;port=3306;dbname=h_mffb;charset=utf8mb4
  2. SHOW FULL COLUMNS FROM `fenlei` [ RunTime:0.000854s ]
  3. SELECT * FROM `fenlei` WHERE `fid` = 0 [ RunTime:0.000358s ]
  4. SELECT * FROM `fenlei` WHERE `fid` = 63 [ RunTime:0.000369s ]
  5. SHOW FULL COLUMNS FROM `set` [ RunTime:0.000475s ]
  6. SELECT * FROM `set` [ RunTime:0.000234s ]
  7. SHOW FULL COLUMNS FROM `article` [ RunTime:0.000538s ]
  8. SELECT * FROM `article` WHERE `id` = 539619 LIMIT 1 [ RunTime:0.000405s ]
  9. UPDATE `article` SET `lasttime` = 1780667313 WHERE `id` = 539619 [ RunTime:0.001210s ]
  10. SELECT * FROM `fenlei` WHERE `id` = 64 LIMIT 1 [ RunTime:0.000241s ]
  11. SELECT * FROM `article` WHERE `id` < 539619 ORDER BY `id` DESC LIMIT 1 [ RunTime:0.000528s ]
  12. SELECT * FROM `article` WHERE `id` > 539619 ORDER BY `id` ASC LIMIT 1 [ RunTime:0.000661s ]
  13. SELECT * FROM `article` WHERE `id` < 539619 ORDER BY `id` DESC LIMIT 10 [ RunTime:0.001017s ]
  14. SELECT * FROM `article` WHERE `id` < 539619 ORDER BY `id` DESC LIMIT 10,10 [ RunTime:0.000832s ]
  15. SELECT * FROM `article` WHERE `id` < 539619 ORDER BY `id` DESC LIMIT 20,10 [ RunTime:0.001127s ]
0.088839s