\u003C/p>","https://static.congraedu.cn/static/images/75fc03fa-4c67-4767-a36b-371886ba274d.jpg","空格建工职称","空格教育","2023-12-29 17:36:21",{"code":5,"msg":6,"data":701,"traceId":15},{"id":702,"title":703,"state":10,"webId":11,"hotDoor":301,"hotText":301,"sourceId":128,"creatorId":704,"tagList":705,"keyword":15,"description":706,"text":707,"textPicture":708,"auth":697,"fromItem":698,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":709,"sourceName":45,"parentId":63,"parentName":68},502,"2024年职称评审新政策即将出台!建议满足条件尽早破格申报!",27,"[\"2024年职称评审新政策\",\"职称评审绿色通道\",\"广东省职称评审\"]","2024年职称评审新政策即将出台!建议满足条件尽早破格申报!想要满足破格申报条件并非易事,需要符合一定的能力,对于那些具有突出贡献和业绩的人来说,破格申报也是他们实现职业梦想的一条途径。","\u003Cp class=\"indent--2\">不知道各位工程师有没有留意职称评审政策资讯,其中有这样一则通知建议各位工程师都了解一下:《人力资源社会保障部办公厅关于进一步做好职称评审工作的通知》。\u003C/p>\n\u003Cp class=\"indent--2\">通知中有提到的评审政策的修改,2023年6月底前完成各系列评审标准修订工作。2023年底前,形成职称评审专业目录,向社会公布。2024年开始,评职称的标准和要求就会变得更加严格和细化,你可能要满足更多的条件才能申请。\u003C/p>\n\u003Cp class=\"indent--2\">如果你还没有评职称,或者想要晋升职称,赶紧抓住今年这个机会吧,部分省份已经明确取消破格,自2024年起严格执行国家有关规定晋升职称一律须提供下一层级同一系列(专业)职称。这句话的意思就是,破格申报政策紧张,并且从部份省份释放出来的信号,也能侧面了解到职称申报今后肯定是越来越严格。建议各位满足破格申报的工程师尽早申请!\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cimg src=\"https://static.congraedu.cn/static/images/ff65d475-e30d-465e-b796-a77de7c15b51.jpg\" alt=\"2024年职称评审新政策即将出台建议满足条件尽早破格申报.jpg\" />\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>广东省职称评审破格申报条件\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>建筑工程\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>1、中级评审绿色通道\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">取得助理工程师职称,从事本专业技术工作期间,符合下列条件之一,可不受学历、资历、业绩成果等条件的限制直接破格申报:\u003C/p>\n\u003Cp class=\"indent--2\">(1)国家级科技成果奖获奖项目的完成人。\u003C/p>\n\u003Cp class=\"indent--2\">(2)省(部)级科技成果奖二等奖以上获奖项目的完成人。\u003C/p>\n\u003Cp class=\"indent--2\">(3)荣获中国专利优秀奖以上、广东专利优秀奖以上、广东杰出发明人奖的主要完成人。\u003C/p>\n\u003Cp class=\"indent--2\">(4)被认定为“广东省传统建筑名匠”的技术人才\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>2、高级评审绿色通道\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">不具备规定学历条件,取得工程师职称后,从事本专业技术工作满10年,可由2名本专业或相近专业正高级工程师推荐破格申报。\u003C/p>\n\u003Cp class=\"indent--2\">取得工程师职称后,从事本专业技术工作满3年。任现职期间,符合下列条件之一,可不受学历、资历、业绩成果等条件的限制直接破格申报:\u003C/p>\n\u003Cp class=\"indent--2\">(1)国家级科技成果奖二等奖以上获奖项目的主要完成人(专业排名前3名的)。\u003C/p>\n\u003Cp class=\"indent--2\">(2)省(部)级科技成果奖一等奖获奖项目的主要完成人(专业排名前3名的)。\u003C/p>\n\u003Cp class=\"indent--2\">(3)荣获中国专利优秀奖、广东专利金奖的主要完成人(专业排名前3名的)。\u003C/p>\n\u003Cp class=\"indent--2\">(4)被认定为“广东省传统建筑名匠”的技术人才。\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>3、正高级评审绿色通道\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">不具备上述学历条件,取得高级工程师职称后,从事本专业技术工作满10年,可由2名本专业或相近专业正高级工程师推荐破格申报。\u003C/p>\n\u003Cp class=\"indent--2\">取得高级工程师职称后,从事本专业技术工作满3年。任现职期间,符合下列条件之一,可以不受学历、资历、业绩成果 等条件的限制直接破格申报:\u003C/p>\n\u003Cp class=\"indent--2\">(1)国家级科技成果奖一等奖获奖项目的主要完成人(专业排名前3名的)。\u003C/p>\n\u003Cp class=\"indent--2\">(2)省(部)级科技成果奖一等奖获奖项目的主要完成人(专业排名第1名的)。\u003C/p>\n\u003Cp class=\"indent--2\">(3)荣获中国专利优秀奖、广东专利金奖的主要完成人(专业排名第1名的)。\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>想要满足破格申报条件并非易事,需要符合一定的能力,对于那些具有突出贡献和业绩的人来说,破格申报也是他们实现职业梦想的一条途径。希望各位工程师能够充分了解职称评审相关政策,努力争取自己的机会,实现自己的职业目标。若想了解更多关于广东省职称评审条件、材料、专业等相关信息,欢迎联系空格建工职称专业老师免费咨询。\u003C/strong>\u003C/p>","https://static.congraedu.cn/static/images/495a748d-01f1-49bf-930f-50d5dea30a3d.jpg","2023-09-26 15:07:52",{"code":5,"msg":6,"data":711,"traceId":15},{"id":712,"title":713,"state":10,"webId":11,"hotDoor":301,"hotText":301,"sourceId":186,"creatorId":714,"tagList":715,"keyword":15,"description":716,"text":717,"textPicture":718,"auth":697,"fromItem":698,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":719,"sourceName":45,"parentId":63,"parentName":68},467,"2024年江苏职称评审指南:江苏职称评审申报常见误区",26,"[\"2024年江苏职称评审\",\"江苏职称评审政策\"]","江苏职称评审政策多变,很有可能今天你符合职称评审条件,拖到第二年再去申报就达不到要求了,所以建议各位工程师满足条件尽早申报。","\u003Cp class=\"indent--2\">各位想申报江苏职称评审的工程师要注意了,2024年江苏职称评审可以开始准备起来了!每年申报江苏职称评审的工程师人数都不少,最后通过评审的却寥寥无几,这是因为还是有大部分工程师都对职称有着或多或少的误区。\u003Cstrong>接下来小编给大家讲讲2024年江苏职称评审常见申报误区,以供大家参考。\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cimg src=\"https://static.congraedu.cn/static/images/9b6baaf9-1981-4044-98df-0080e45c7492.jpg\" alt=\"2024年江苏职称评审指南江苏职称评审申报常见误区.jpg\" />\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>江苏职称评审可以走”后门?”\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">有些人认为职称申报评审都是由行业专业协会负责,只要在行业协会有“关系”,就可以通过“走后门”的方式顺利通过职称评审。但这种点事是错误的,因为他们没有理解职称评审的基本形式。 职称是官方部门对专业技术人才的一种官方的评价体系,由官方部门负责组织进行。职称评委会是由相关人力社保部门或者行业主管部门负责组建,各评委会负责当地对应级别、专业范围的职称评审工作,并接受官方单位监督。\u003C/p>\n\u003Cp class=\"indent--2\">每次负责评审的评委会专家都是从专家库中抽取的,而专家库每3年调整一次,每次调整人数在1/3以上。因此想通过“打招呼、走后门”等投机取巧的方式通过职称评审是不可能成功的。大家只有努力提升自己的硬实力,才能够成功获得职称!\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>评职称自己一个人就可以搞定?\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">职称申报是需要以单位的名义申报,个人是申报不了的。如果你没有工作或者是工作单位不愿意配合你申报的,那你就申报不了。所以想自己一个人轻松搞定职称申报,是不太可能的。\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>职称评审提交的业绩材料越多越好?\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">有些人可能会认为职称评审业绩材料的项目准备越多越好,认为这样可以提高职称的通过率。其实并不是,部分地区专业确实对申报人申报的项目业绩数量有要求,但是各专业职称的文件中一般都要求申报人的业绩材料要突出代表性,要求精但不宜过多,所以并不是越多越好!\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>评职称只看学历和论文?\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">职称评审不仅仅看学历和论文。在职称申报评审中,学历是基础申报条件之一,不符合要求则无法正常申报;而论文虽然曾经是必备条件,但现在已成为重要的加分项。学历和论文都很重要,但并非决定性因素。 实际上,职称评审的核心在于以申报人提交的业绩材料来评定其是否具备职称任职资格。因此,相对来说,学历更多的是作为入门门槛和加分项,论文则是重要的加分项,而业绩材料才是“主心骨”。\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>评职称可以慢慢来就好?\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">很多工程师想评职称,又觉得自己没时间,慢慢来吧,就不把评职称放在心上了,等到要用到职称证书了,才发现时间不够了。一般来说中级职称要提前半年准备,高级职称最好是提前1-2年,所以大家一定要安排好时间,千万不要觉得还有时间慢慢来不着急,能早就尽量早。\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cstrong>江苏职称评审政策多变,很有可能今天你符合职称评审条件,拖到第二年再去申报就达不到要求了,所以建议各位工程师满足条件尽早申报。若想了解更多关于江苏省职称评审相关信息,欢迎联系空格建工职称专业老师免费咨询。\u003C/strong>\u003C/p>","https://static.congraedu.cn/static/images/963dba69-c467-4bdb-a836-02b666bb48a2.jpg","2023-09-25 18:45:57",{"code":5,"msg":6,"data":721,"traceId":15},{"id":722,"title":723,"state":10,"webId":11,"hotDoor":301,"hotText":301,"sourceId":257,"creatorId":714,"tagList":724,"keyword":15,"description":725,"text":726,"textPicture":727,"auth":697,"fromItem":698,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":728,"sourceName":262,"parentId":257,"parentName":262},557,"2023年度广东省职称评审通知下发!这些要点需注意!","[\"2023年度广东省职称评审\",\"广东省职称评审\",\"广东省职称评审通知\"]","2023年度全省各级职称评审委员会受理申报材料时间,原则上为2024年1月至3月,2024年6月底前完成评审。","\u003Cp>广东省人力资源和社会保障厅颁布了《关于做好2023年度职称评审工作的通知》文件,根据国家和省深化职称制度改革意见精神,现就2023年度我省职称评审工作通知的相关重点信息分享如下:\u003C/p>\n\u003Cp>\u003Cimg src=\"https://static.congraedu.cn/static/images/de13cb97-d9c1-41ea-99b9-d63ece18b483.jpg\" alt=\"2023年度广东省职称评审通知下发这些要点需注意.jpg\" />\u003C/p>\n\u003Cp>\u003Cstrong>一、申报与评审时间\u003C/strong>\u003C/p>\n\u003Cp>2023年度全省各级职称评审委员会受理申报材料时间,原则上为2024年1月至3月,2024年6月底前完成评审。高校和自主评审单位的职称评审工作按照经备案的时间安排推进。\u003C/p>\n\u003Cp>\u003Cstrong>二、职称资历年限申报材料时段的计算\u003C/strong>\u003C/p>\n\u003Cp>(一)对于2021年度及此后评审取得职称的人员,评审高一级职称时,职称资历年限和有效材料时段的起算时间为本级职称评审年度的下一自然年1月1日,截止时间为申报高一级职称评审年度的12月31日。\u003C/p>\n\u003Cp>(二)对于2020年度及以前年度评审取得职称的人员,评审高一级职称时,职称资历年限的起算时间为本级职称评审年度的1月1日,截止时间为高一级职称评审年度的12月31日;有效材料时段的起算时间为本级职称评审年度的9月1日,截止时间为高一级职称评审年度的12月31日。\u003C/p>\n\u003Cp>(三)对于通过考试和认定取得职称的人员,评审高一级职称时,职称资历年限和有效材料时段的起算时间为考试和认定通过之日,截止时间为高一级职称评审年度的12月31日。\u003C/p>\n\u003Cp>\u003Cstrong>三、申报评审条件\u003C/strong>\u003C/p>\n\u003Cp>(一)职称评审条件按照我省2016年以来出台的各系列职称改革实施方案和评价标准条件执行,具体以各职称评审委员会评审通知为准。高校和自主评审单位职称评审条件按照经备案的标准条件执行。\u003C/p>\n\u003Cp>(二)职称外语和计算机应用能力条件不作统一要求,确需评价外语、计算机能力水平的,由职称评审委员会或用人单位自主确定。对粤东粤西粤北地区和县(区)所属单位工作的专业技术人才,职称外语和计算机应用能力条件不作要求。\u003C/p>\n\u003Cp>(三)继续教育条件按照《广东省专业技术人员继续教育条例》执行,原则上要求提供2023年度《广东省专业技术人员继续教育证书》,高校和自主评审单位可根据实际自主确定年度要求。\u003C/p>\n\u003Cp>(四)除法律法规对学历要求有规定的系列(专业)外,在我省职称评审工作中,技工院校中级技工班毕业生与中专学历人员同等对待,高级工班毕业生与大专学历人员同等对待,预备技师(技师)班毕业生与本科学历人员同等对待。\u003C/p>\n\u003Cp>由上可知,2023年广东省职称评审原则上为2024年1月至3月,2024年6月底前完成评审。各位想申报广东省职称评审但却还没有行动的要注意了!职称评审政策多变,趁现在还有机会申报要抓紧时间了。那么,广东省各级职称评审条件是什么呢?\u003C/p>\n\u003Cp>\u003Cstrong>广东助理工程师职称评审条件\u003C/strong>\u003C/p>\n\u003Cp>1、大学本科毕业,从事本专业技术工作一年以上。\u003C/p>\n\u003Cp>2、大学专科毕业,从事专业技术工作三年以上。\u003C/p>\n\u003Cp>3、中专毕业,取得技术员职称后,从事本专业技术工作4年以上。具有中专学历,从事专业技术工作尚无专业技术资格的人员直接申报助理级专业技术资格,按地方职称改革工作领导小组的相关规定执行。\u003C/p>\n\u003Cp>4、高技能人才参加职称评审按人社局文件规定执行。\u003C/p>\n\u003Cp>\u003Cstrong>广东中级工程师职称评审条件\u003C/strong>\u003C/p>\n\u003Cp>1、博士学位+专业技术工作在职在岗满6个月。\u003C/p>\n\u003Cp>2、硕士学位+助理工程师+专业技术工作工作2年以上。\u003C/p>\n\u003Cp>3、研究生班毕业或取得双学士学位+助理工程师+专业技术工作工作4年以上。\u003C/p>\n\u003Cp>4、大学本科+助理工程师+专业技术工作4年以上。\u003C/p>\n\u003Cp>5、大学专科+助理工程师+专业技术工作4年以上。\u003C/p>\n\u003Cp>\u003Cstrong>广东高级工程师职称评审条件\u003C/strong>\u003C/p>\n\u003Cp>1、具备本科学历及以上学历毕业,取得工程师资格后,从事相关专业技术工作满5年以上\u003C/p>\n\u003Cp>2、具备博士学历,从事相关专业技术工作满2年以上,部分专业需取得工程师职称后,从事工作满2年及以上\u003C/p>\n\u003Cp>\u003Cstrong>近年来,人们对职称的认可度越来越高了,尤其是工程方面的人士。工程师职称有着一定的分量,就目前行情来说,尤其是工程类行业基本上是人手一本工程师职称证书,就算自己没有,公司也会需要用到,这也是小编多次建议大家符合申报条件的话就赶紧报名的原因。若想了解更多关于\u003Ca href=\"https://www.zhipingcn.com/detail/517\">广东省职称评审\u003C/a>申报相关信息,欢迎联系空格职称专业老师免费咨询。\u003C/strong>\u003C/p>","https://static.congraedu.cn/static/images/7703dca8-071e-4f8d-b263-0f38dfb2949f.jpg","2023-10-16 17:15:30",{"code":5,"msg":6,"data":730,"traceId":15},{"id":731,"title":732,"state":10,"webId":11,"hotDoor":10,"hotText":10,"sourceId":251,"creatorId":13,"tagList":733,"keyword":15,"description":734,"text":735,"textPicture":736,"auth":697,"fromItem":698,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":737,"sourceName":21,"parentId":251,"parentName":21},646,"2023年度浙江省生态环境工程技术人员正高级工程师职务任职资格评审申报计划评前公示","[\"浙江职称评前公示名单\",\"评审通知\"]","2023年度浙江省生态环境工程技术人员正高级工程师职务任职资格评审申报计划评前公示名单来了!","\u003Cp class=\"indent--2\">\u003Cstrong>公示时间:2023-12-25至2023-12-29,共5个工作日。\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cimg src=\"https://static.congraedu.cn/static/images/119d2fd6-27de-460d-8f9b-a3252cd22a78.png\" alt=\"f62a3c2c7696e01b102ef9e023a2be29.png\" />\u003C/p>","https://static.congraedu.cn/static/images/e6402595-0951-41ed-8543-d918f1a0625a.jpg","2023-12-27 17:49:25",{"code":5,"msg":6,"data":739,"traceId":15},{"id":740,"title":741,"state":10,"webId":11,"hotDoor":10,"hotText":301,"sourceId":251,"creatorId":714,"tagList":742,"keyword":15,"description":743,"text":744,"textPicture":745,"auth":697,"fromItem":698,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":746,"sourceName":21,"parentId":251,"parentName":21},681,"【名单公示】2023年度上海市律师、公证员系列中级职称评审委员会评审通过人员名单公示","[\"2023年度上海市职称评审公示\"]","2023年度上海市律师、公证员系列中级职称评审委员会评审通过人员名单公示","\u003Cp class=\"indent--2\">\u003Cstrong>2023年度上海市律师、公证员系列中级职称评审委员会评审通过人员名单公示\u003C/strong>\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cimg src=\"https://static.congraedu.cn/static/images/48d3dfd4-d06e-4373-bcc7-6bfe604b1f6c.png\" alt=\"image.png\" />\u003Cbr />\n\u003Cimg src=\"https://static.congraedu.cn/static/images/89de4d29-011e-401a-bf54-0ac6ffdd7d2c.png\" alt=\"image.png\" />\u003C/p>","https://static.congraedu.cn/static/images/1a32343e-a08b-4616-a711-4fbb3c4e64c8.jpg","2024-01-30 16:01:48",{"code":5,"msg":6,"data":748,"traceId":15},{"id":749,"title":750,"state":10,"webId":11,"hotDoor":10,"hotText":301,"sourceId":251,"creatorId":714,"tagList":751,"keyword":15,"description":750,"text":752,"textPicture":753,"auth":697,"fromItem":698,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":754,"sourceName":21,"parentId":251,"parentName":21},683,"2023年苏州市交通工程中、初级职称评审名单公示","[\"2023年苏州职称评审公示\"]","\u003Cp class=\"indent--2\">2023年苏州市交通工程中、初级职称评审名单公示\u003C/p>\n\u003Cp class=\"indent--2\">\u003Cimg src=\"https://static.congraedu.cn/static/images/68c7f103-0be1-4d66-9b3f-bcea8838fde7.png\" alt=\"image.png\" />\u003Cbr />\n\u003Cimg src=\"https://static.congraedu.cn/static/images/c7492246-5370-4c81-8040-bb099ad325bf.png\" alt=\"image.png\" />\u003C/p>","https://static.congraedu.cn/static/images/975e7d02-b8f4-4f0a-8357-b3766abe431e.jpg","2024-01-30 16:43:40",{"code":5,"msg":6,"data":756,"traceId":15},{"id":757,"title":758,"state":10,"webId":11,"hotDoor":10,"hotText":301,"sourceId":251,"creatorId":714,"tagList":759,"keyword":15,"description":760,"text":761,"textPicture":762,"auth":697,"fromItem":698,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":763,"sourceName":21,"parentId":251,"parentName":21},682,"【评审公示】2022年度广东省工程系列自然资源专业职称评审结果","[\"2022年度广东省职称评审公示\"]","2022年度广东省工程系列自然资源专业职称评审结果","\u003Cp class=\"indent--2\">根据国家和省深化职称制度改革意见,广东省人力资源社会保障厅文件《关于做好2022年度职称评审工作的通知》(粤人社发〔2022〕30号)和惠州市人力资源和社会保障局《关于做好2022年度职称评审工作的通知》(惠市人社函〔2022〕13号)精神,结合《广东省人力资源和社会保障厅广东省自然资源厅关于印发<广东省自然资源工程技术人才职称评价标准条件>的通知》(粤人社规〔2019〕52号)要求,惠州市工程系列自然资源专业中级职称评审委员会已完成2022年度工程系列自然资源专业(技术员、助理工程师、工程师)职称评审工作,为确保职称评审的公平公正,现按规定程序对评审通过人员进行公示,现就有关事项通知如下:\u003C/p>\n\u003Cp class=\"indent--2\">公示起止日期及方式\u003C/p>\n\u003Cp class=\"indent--2\">公示期为本公告发布之日起七天(不少于五个工作日),即:2023年6月27日至2023年7月3日,在市自然资源局官方网站发布。根据职称评审审批程序及有关政策规定,请公示人员(名单见附件1)所在单位于上述公示时间同步在本单位进行公示,并于2023年7月11日前,将《评委会评审通过人员公示情况表》(附件2)及张贴的公示原件交至惠州市自然资源局。\u003Cbr />\n\u003Cimg src=\"https://static.congraedu.cn/static/images/0fb148f7-be1e-4325-bc6b-da55c511697b.jpg\" alt=\"1888ceb3d7e74d6e9d9c7f4088d48aeb.jpg\" />\u003Cbr />\n\u003Cimg src=\"https://static.congraedu.cn/static/images/bb78ec1e-9815-4d37-85b4-6247850c2f3e.jpg\" alt=\"cb376a13db1643099c29e1ea011f9a60.jpg\" />\u003C/p>","https://static.congraedu.cn/static/images/962685d1-c7d1-48a5-8c60-56eb05d97917.jpg","2024-01-30 16:17:51",{"code":5,"msg":6,"data":765,"traceId":15},{"id":8,"title":9,"state":10,"webId":11,"hotDoor":10,"hotText":10,"sourceId":12,"creatorId":13,"tagList":14,"keyword":15,"description":9,"text":16,"textPicture":17,"auth":18,"fromItem":18,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":20,"sourceName":21,"parentId":22,"parentName":23},{"code":5,"msg":6,"data":767,"traceId":15},{"id":8,"title":9,"state":10,"webId":11,"hotDoor":10,"hotText":10,"sourceId":12,"creatorId":13,"tagList":14,"keyword":15,"description":9,"text":16,"textPicture":17,"auth":18,"fromItem":18,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":20,"sourceName":21,"parentId":22,"parentName":23},{"code":5,"msg":6,"data":769,"traceId":15},{"id":770,"title":771,"state":10,"webId":772,"hotDoor":301,"hotText":301,"sourceId":773,"creatorId":13,"tagList":774,"keyword":15,"description":775,"text":776,"textPicture":17,"auth":777,"fromItem":777,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":778,"sourceName":779,"parentId":780,"parentName":781},917,"房贷断供危机下,我们应该怎么做?",41,201,"[\"法律援助\",\"断供保房\",\"房贷断供\"]","最近好多朋友都在咨询房贷延期、断供保房的事儿,今天空格律所就来给大家掰开了、揉碎了讲讲,这 “房贷延期断供保房” 到底是怎么一回事。我们来看看吧~","\u003Carticle class=\"4ever-article\" data-clipboard-cangjie=\"["root",{},["p",{"uuid":"m82pfqw9jjyaemqyzv"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"房贷断供 断供保房 法律援助"]]],["p",{"uuid":"m82pncmveujwguzajb"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"最近好多朋友都在咨询房贷延期、断供保房的事儿,今天空格律所就来给大家掰开了、揉碎了讲讲,这 “房贷延期断供保房” 到底是怎么一回事。在这之前,咱们必须得先清楚房贷断供的严重后果,这可关乎大家的切身利益。"]]],["p",{"uuid":"m82pfqwajfnvz2u4vk"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"房贷一旦逾期,后果不敢想象:"]]],["p",{"uuid":"m82pfqwa5y85z42bj4"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"逾期首月:银行会立马打电话通知你房贷逾期了,赶紧归还房贷。这时候要是能及时补上,还能有转圜的余地。"]]],["p",{"uuid":"m82pfqwaq7nldz437lj"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"2-3个月:房贷经理会打电话了解情况,催着你赶紧解决房贷问题。要是这时候还不上,事情可就越来越严重了。"]]],["p",{"uuid":"m82pfqwat08m9nk38lq"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"3-6个月:房贷会被转入银行的代售部门,他们会上门找你,郑重其事地告知你银行准备起诉了。到这一步,压力就像一座大山,压得人喘不过气。"]]],["p",{"uuid":"m82pfqwbkm2ea2wzaf"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"6个月后:银行直接让律师起诉到法院,要求你全额偿还剩余房贷。要是还不上,房子就会被法院法拍。"]]],["p",{"uuid":"m82pfqwbcvnp5c1beyr"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"房子被法拍,结果无非两种:"]]],["p",{"uuid":"m82piiz7h2zst0bpfnw"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"要是拍卖金额超过房贷,扣除房贷还有剩余,那银行倒是不会再找麻烦。可要是拍卖金额不够还房贷呢?银行会像牛皮糖一样,一直追债,还会把业主拉进黑名单,以后想贷款、办信用卡啥的,门儿都没有。而且在这个过程中,诉讼费、律师费、评估费、法拍费等一系列费用,全得业主自己承担,简直是雪上加霜。"]]],["p",{"uuid":"m82piiz7py1etj4sl5b"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"那到底啥是 “断供保房” 呢?这可不是让房主彻底不还银行钱了,而是一种和银行协商,暂时缓解还款压力的办法。对于那些正被财务困境折磨得焦头烂额的房主来说,这就像是一根救命稻草。通过 “断供保房”,房主能在3至5年甚至长达8年的时间里,获得更多时间和空间去改善财务状况,最终保住自己的房子,不至于落得个无家可归的下场,给自己争取到一个重新站起来的机会。"]]],["p",{"uuid":"m82oudifn5zke9lvtdk"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"“房贷延期、断供保房”的2个阶段:"]]],["p",{"uuid":"m82pkqfty925zzxdh7"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"1、未逾期阶段:还没逾期的时候,赶紧先跟银行协商延期还款,一般能延期 3 - 6 个月。在这期间,不用还款,也不会上征信。这时候可别闲着,得赶紧为后续阶段做准备。为啥呢?因为只有前期准备充分,后面操作才能顺顺利利。"]]],["p",{"uuid":"m82pkqft2kobv9fid19"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"2、逾期阶段:"]]],["p",{"list":{"listId":"zupyogyhxp","level":1,"symbolStyle":{},"extraData":{},"listStyleType":"DEC_LEN_LROM_P","listStyle":{"format":"lowerLetter","text":"%2.","align":"left"},"hideSymbol":false,"isTaskList":false,"isOrdered":true},"uuid":"m82pkqft0aaqmq8ne7gb"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"逾期后:可以申请延期还款 6 - 12 个月,到期了还能续延,在这段时间里,银行不会起诉。"]]],["p",{"list":{"listId":"zupyogyhxp","level":1,"symbolStyle":{},"extraData":{},"listStyleType":"DEC_LEN_LROM_P","listStyle":{"format":"lowerLetter","text":"%2.","align":"left"},"hideSymbol":false,"isTaskList":false,"isOrdered":true},"uuid":"m82pkqfua44oq7egtej"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"起诉阶段:要是没处理好逾期,走到起诉这一步了,别慌,还能延缓 2 - 5 年,防止房子被拍卖、执行。"]]],["p",{"list":{"listId":"zupyogyhxp","level":1,"symbolStyle":{},"extraData":{},"listStyleType":"DEC_LEN_LROM_P","listStyle":{"format":"lowerLetter","text":"%2.","align":"left"},"hideSymbol":false,"isTaskList":false,"isOrdered":true},"uuid":"m82pkqfu0czyuuogj07j"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"执行阶段:甚至在执行阶段,还能延缓法拍 1 - 2 年,让房子不被拍卖。不过要注意,逾期后起诉、执行阶段能不能顺利延缓,全看前面准备工作做得好不好。有些材料必须在逾期前就准备好,因为法院对材料的认可可是有时间限制的,不是啥时候准备的材料都认。"]]],["p",{"uuid":"m82pkqfuhnp96zqkjjw"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"“断供保房” 主要针对这几类人群:"]]],["p",{"uuid":"m82pkqfuj28bx6forf"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"1.暂时财务困境房主:像因为失业,突然没了收入来源;或者家人生病,医疗费用把积蓄都掏空了;又或者遇到其他突发事件,导致收入下降,暂时没法按时还款的业主。"]]],["p",{"uuid":"m82pkqfujqvto58rr"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"2.收入不稳定房主:收入来源不固定,一会儿多一会儿少,每个月都为能不能按时还房贷提心吊胆的业主。"]]],["p",{"uuid":"m82pkqfvewd4p29c2p9"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"3.渴望长期保住房产房主:辛辛苦苦攒钱买房,不想因为一时的经济困难,就把多年积累的房产权益给弄丢了的业主。"]]],["p",{"uuid":"m82pkqfvzip1bq4g6p"},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"看到这儿,大家是不是对房贷延期、断供保房有了更清晰的认识?要是你正面临这些问题,别一个人扛着,赶紧找专业律师寻求法律援助。若有需要可以随时咨询我们空格律所,你分析情况,制定合适的方案,守住你的家。"]]]]\" 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data-identifier-application__slash__x-doc-key=\"eLbnjoxK28g8qaNY\">\n\u003Cp>\u003Cspan data-type=\"text\">最近好多朋友都在咨询房贷延期、断供保房的事儿,今天空格律所就来给大家掰开了、揉碎了讲讲,这 “房贷延期断供保房” 到底是怎么一回事。在这之前,咱们必须得先清楚房贷断供的严重后果,这可关乎大家的切身利益。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">房贷一旦逾期,后果不敢想象:\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">逾期首月:银行会立马打电话通知你房贷逾期了,赶紧归还房贷。这时候要是能及时补上,还能有转圜的余地。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">2-3个月:房贷经理会打电话了解情况,催着你赶紧解决房贷问题。要是这时候还不上,事情可就越来越严重了。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">3-6个月:房贷会被转入银行的代售部门,他们会上门找你,郑重其事地告知你银行准备起诉了。到这一步,压力就像一座大山,压得人喘不过气。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">6个月后:银行直接让律师起诉到法院,要求你全额偿还剩余房贷。要是还不上,房子就会被法院法拍。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">房子被法拍,结果无非两种:\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">要是拍卖金额超过房贷,扣除房贷还有剩余,那银行倒是不会再找麻烦。可要是拍卖金额不够还房贷呢?银行会像牛皮糖一样,一直追债,还会把业主拉进黑名单,以后想贷款、办信用卡啥的,门儿都没有。而且在这个过程中,诉讼费、律师费、评估费、法拍费等一系列费用,全得业主自己承担,简直是雪上加霜。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">那到底啥是 “断供保房” 呢?这可不是让房主彻底不还银行钱了,而是一种和银行协商,暂时缓解还款压力的办法。对于那些正被财务困境折磨得焦头烂额的房主来说,这就像是一根救命稻草。通过 “断供保房”,房主能在3至5年甚至长达8年的时间里,获得更多时间和空间去改善财务状况,最终保住自己的房子,不至于落得个无家可归的下场,给自己争取到一个重新站起来的机会。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">“房贷延期、断供保房”的2个阶段:\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">1、未逾期阶段:还没逾期的时候,赶紧先跟银行协商延期还款,一般能延期 3 - 6 个月。在这期间,不用还款,也不会上征信。这时候可别闲着,得赶紧为后续阶段做准备。为啥呢?因为只有前期准备充分,后面操作才能顺顺利利。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">2、逾期阶段:\u003C/span>\u003C/p>\n\u003Col>\n\u003Cli>\n\u003Cdiv>\u003Cspan data-type=\"text\">逾期后:可以申请延期还款 6 - 12 个月,到期了还能续延,在这段时间里,银行不会起诉。\u003C/span>\u003C/div>\n\u003C/li>\n\u003Cli>\n\u003Cdiv>\u003Cspan data-type=\"text\">起诉阶段:要是没处理好逾期,走到起诉这一步了,别慌,还能延缓 2 - 5 年,防止房子被拍卖、执行。\u003C/span>\u003C/div>\n\u003C/li>\n\u003Cli>\n\u003Cdiv>\u003Cspan data-type=\"text\">执行阶段:甚至在执行阶段,还能延缓法拍 1 - 2 年,让房子不被拍卖。不过要注意,逾期后起诉、执行阶段能不能顺利延缓,全看前面准备工作做得好不好。有些材料必须在逾期前就准备好,因为法院对材料的认可可是有时间限制的,不是啥时候准备的材料都认。\u003C/span>\u003C/div>\n\u003C/li>\n\u003C/ol>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">“断供保房” 主要针对这几类人群:\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">1.暂时财务困境房主:像因为失业,突然没了收入来源;或者家人生病,医疗费用把积蓄都掏空了;又或者遇到其他突发事件,导致收入下降,暂时没法按时还款的业主。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">2.收入不稳定房主:收入来源不固定,一会儿多一会儿少,每个月都为能不能按时还房贷提心吊胆的业主。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">3.渴望长期保住房产房主:辛辛苦苦攒钱买房,不想因为一时的经济困难,就把多年积累的房产权益给弄丢了的业主。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">看到这儿,大家是不是对房贷延期、断供保房有了更清晰的认识?要是你正面临这些问题,别一个人扛着,赶紧找专业律师寻求法律援助。\u003Cstrong>若有需要可以随时咨询我们\u003Ca href=\"https://www.kglaw.cn/ywzx/all\">空格律所\u003C/a>,你分析情况,制定合适的方案,守住你的家。\u003C/strong>\u003C/span>\u003C/p>\n\u003C/article>","空格律所","2025-03-10 15:02:41","断供保房",205,"业务资讯",{"code":5,"msg":6,"data":783,"traceId":15},{"id":784,"title":785,"state":10,"webId":772,"hotDoor":301,"hotText":301,"sourceId":773,"creatorId":13,"tagList":786,"keyword":15,"description":787,"text":788,"textPicture":17,"auth":777,"fromItem":777,"seq":19,"hotSeq":19,"hotTuiSeq":19,"createTime":789,"sourceName":779,"parentId":780,"parentName":781},919,"断供后房子要没了,这三种保房办法快收藏!","[\"断供保房\",\"空格律所\"]","当房贷断供的阴霾笼罩,房子面临被法拍的绝境,那感觉简直像天塌了一样。一旦走到法拍这一步,以前辛苦攒下的首付款,还有一笔笔还进去的月供,全都打了水漂,不仅如此,大概率还会倒欠银行一屁股债。所以还不如保房,下面来看看三种保房业务有何区别。","\u003Carticle class=\"4ever-article\" data-clipboard-cangjie=\"["root",{},["p",{"uuid":"m8ctamqfhi6r4zx7e0a","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"当房贷断供的阴霾笼罩,房子面临被法拍的绝境,那感觉简直像天塌了一样。一旦走到法拍这一步,以前辛苦攒下的首付款,还有一笔笔还进去的月供,全都打了水漂,不仅如此,大概率还会倒欠银行一屁股债。所以,几乎每一位断供业主,心里都只有一个强烈的渴望,那就是:保房。今天,就来看这三种保房业务有何区别。"]]],["p",{"uuid":"m8ctau3k9cb7j7ksd7h","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"下面是三种保房业务的区别:"]]],["p",{"uuid":"m8ctamqf6dq8ck1g88q","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"一、时间段不同"]]],["p",{"uuid":"m8ctamqgo4bh7tyuo3m","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"延期保房:还没断供,或者刚出现逾期的苗头,银行还没动起诉的念头呢,这时候就可以申请延期保房了,属于诉前操作。"]]],["p",{"uuid":"m8ctamqggau3dwjbqr","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"断供保房:已经断供了,银行已经要起诉,或者刚起诉还没宣判,这时候就到了诉中阶段,断供保房就派上用场了。"]]],["p",{"uuid":"m8ctamqgffydlhukejc","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"法拍保房:房子都已经要被法院拿去拍卖了,进入诉后阶段,法拍保房就成了那根能 “力挽狂澜” 的定海神针。不到万不得已,谁也不想走到这一步,但只要还有一线希望,就得抓住。"]]],["p",{"uuid":"m8ctamqgc8lk2cl0cha","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"二、操作方式不同"]]],["p",{"uuid":"m8ctamqgvmshc28w2kq","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"延期保房:业主自己或者找中介、律师帮忙,准备好身份证、购房合同、延期还款申请书等材料,跟银行申请延长还款时间、调整还款计划。"]]],["p",{"uuid":"m8ctamqhvycv6cg9do","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"断供保房:一般由业主委托专业律师团队,根据业主的个人信用、房贷合同等情况制定方案,和银行协商展期,或者找第三方买不良债权,想办法拖时间。"]]],["p",{"uuid":"m8ctamqhn8aw6ebrspm","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"法拍保房:专业机构或个人去参加法拍,帮业主竞拍,争取把房子拍下来保住产权或居住权。"]]],["p",{"uuid":"m8ctyt7nzs2dy5n3uui","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"三、优劣势对比"]]],["p",{"uuid":"m8ctyt7ojk5oiu56zr9","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"延期保房"]]],["p",{"uuid":"m8ctyt7od49yuohixd4","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"优势:申请成功的话,能马上暂时缓解还款压力。只要按时还延期后的房贷,征信也不会受太大影响,还能踏踏实实地继续住自己的房子。现在一般能延期半年到一年半,这期间可以喘口气,再想办法解决问题。"]]],["p",{"uuid":"m8ctyt7poxupapk6fu9","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"劣势:银行审批条件那叫一个苛刻,得全方位考察你的还款能力、信用等。而且延期时间通常不会太长,到期后可能压力更大,利息也可能变多,就像把问题往后推了推,并没有彻底解决。"]]],["p",{"uuid":"m8ctyt7ptbbs0g805x","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"断供保房"]]],["p",{"uuid":"m8ctyt7pr50htqhzdcp","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"优势:能争取 3-8 年的保房时间,这段时间不用还房贷,房子还能自己住着或者出租。"]]],["p",{"uuid":"m8ctyt7phwl83okdt79","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"劣势:不确定性比较大,银行和第三方机构审查严格。保房期限一到,要是还没钱还,房子还是可能被处理。断供期间产生的利息、违约金等,最后都得自己扛,就像一颗定时炸弹,不知道什么时候就爆炸了。"]]],["p",{"uuid":"m8ctyt7q25mpxnqolz5","spacing":{},"ind":{"left":0}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"法拍保房"]]],["p",{"uuid":"m8ctyt7qzemxvxndzh","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"优势:法院把关产权,明明白白没纠纷。要是操作得好,真能把房子保住,从法律上解决问题。法拍流程规范,有法律保护。要是运气好,还能低价拍到房。"]]],["p",{"uuid":"m8ctyt7qr6v4vk2q13n","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},"劣势:资金投入比较大,需要支付相应比例的首付款,对于处于债务困境中的业主,基本无法承担。"]]],["p",{"uuid":"m8cuib2o5b3z7p3w2jt","spacing":{}},["span",{"data-type":"text"},["span",{"data-type":"leaf"},""]]]]\" 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data-identifier-application__slash__x-doc-key=\"J9LnWXVmpVveqvDe\">\n\u003Cp>\u003Cspan data-type=\"text\">当房贷断供的阴霾笼罩,房子面临被法拍的绝境,那感觉简直像天塌了一样。一旦走到法拍这一步,以前辛苦攒下的首付款,还有一笔笔还进去的月供,全都打了水漂,不仅如此,大概率还会倒欠银行一屁股债。所以,几乎每一位断供业主,心里都只有一个强烈的渴望,那就是:保房。今天,就来看这三种保房业务有何区别。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">下面是三种保房业务的区别:\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">一、时间段不同\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">\u003Cstrong>延期保房:\u003C/strong>还没断供,或者刚出现逾期的苗头,银行还没动起诉的念头呢,这时候就可以申请延期保房了,属于诉前操作。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">\u003Cstrong>断供保房:\u003C/strong>已经断供了,银行已经要起诉,或者刚起诉还没宣判,这时候就到了诉中阶段,断供保房就派上用场了。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">\u003Cstrong>法拍保房:\u003C/strong>房子都已经要被法院拿去拍卖了,进入诉后阶段,法拍保房就成了那根能 “力挽狂澜” 的定海神针。不到万不得已,谁也不想走到这一步,但只要还有一线希望,就得抓住。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">二、操作方式不同\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">\u003Cstrong>延期保房:\u003C/strong>业主自己或者找中介、律师帮忙,准备好身份证、购房合同、延期还款申请书等材料,跟银行申请延长还款时间、调整还款计划。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">\u003Cstrong>断供保房:\u003C/strong>一般由业主委托专业律师团队,根据业主的个人信用、房贷合同等情况制定方案,和银行协商展期,或者找第三方买不良债权,想办法拖时间。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">\u003Cstrong>法拍保房:\u003C/strong>专业机构或个人去参加法拍,帮业主竞拍,争取把房子拍下来保住产权或居住权。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">三、优劣势对比\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">延期保房\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">优势:申请成功的话,能马上暂时缓解还款压力。只要按时还延期后的房贷,征信也不会受太大影响,还能踏踏实实地继续住自己的房子。现在一般能延期半年到一年半,这期间可以喘口气,再想办法解决问题。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">劣势:银行审批条件那叫一个苛刻,得全方位考察你的还款能力、信用等。而且延期时间通常不会太长,到期后可能压力更大,利息也可能变多,就像把问题往后推了推,并没有彻底解决。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">断供保房\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">优势:能争取 3-8 年的保房时间,这段时间不用还房贷,房子还能自己住着或者出租。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">劣势:不确定性比较大,银行和第三方机构审查严格。保房期限一到,要是还没钱还,房子还是可能被处理。断供期间产生的利息、违约金等,最后都得自己扛,就像一颗定时炸弹,不知道什么时候就爆炸了。\u003C/span>\u003C/p>\n\u003Cp>\u003Cstrong>\u003Cspan data-type=\"text\">法拍保房\u003C/span>\u003C/strong>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">优势:法院把关产权,明明白白没纠纷。要是操作得好,真能把房子保住,从法律上解决问题。法拍流程规范,有法律保护。要是运气好,还能低价拍到房。\u003C/span>\u003C/p>\n\u003Cp>\u003Cspan data-type=\"text\">劣势:资金投入比较大,需要支付相应比例的首付款,对于处于债务困境中的业主,基本无法承担。\u003C/span>\u003C/p>\n\u003Cp>如果您正在为\u003Cspan data-type=\"text\">房子面临被法拍而\u003C/span>烦恼,欢迎点击空格律所【在线咨询】,我们乐意为您解答疑惑。\u003C/p>\n\u003Cp>点击查看:\u003Ca href=\"https://www.kglaw.cn/detail/917\">房贷断供危机下,我们应该怎么做?\u003C/a>\u003C/p>\n\u003Cp>点击查看:\u003Ca href=\"https://www.kglaw.cn/detail/914\">断供危机下,我们应该怎么保住房产?\u003C/a>\u003C/p>\n\u003C/article>","2025-03-17 17:17:09",{"code":5,"msg":6,"data":791,"traceId":15},{"records":792,"total":94,"size":191,"current":10,"orders":822,"optimizeCountSql":688,"searchCount":688,"countId":15,"maxLimit":15,"pages":10},[793,796,803,809,816],{"id":8,"title":9,"nickName":794,"auth":18,"area":95,"state":10,"webId":11,"hotDoor":15,"hotText":10,"cityId":15,"sourceId":12,"parentId":22,"sourceName":21,"createTime":20,"creator_id":15,"fromItem":18,"tagList":14,"keyword":15,"pictureUrl":15,"description":9,"text":15,"textPicture":17,"firstName":23,"seq":19,"hotSeq":19,"hotTuiSeq":19,"firstSourceId":15,"secondSourceId":15,"isColorRed":795},"陈喜凤",false,{"id":797,"title":798,"nickName":794,"auth":799,"area":95,"state":10,"webId":11,"hotDoor":15,"hotText":10,"cityId":15,"sourceId":12,"parentId":22,"sourceName":21,"createTime":800,"creator_id":15,"fromItem":799,"tagList":801,"keyword":15,"pictureUrl":15,"description":802,"text":15,"textPicture":17,"firstName":23,"seq":19,"hotSeq":19,"hotTuiSeq":19,"firstSourceId":15,"secondSourceId":15,"isColorRed":795},941,"深圳市2024年度建筑工程检测专业职称评审工作的通知","空格职称","2025-04-09 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