2. When you find that your online merchant loan quota suddenly disappeared, you should immediately check whether your loan and credit card have been returned in full and on time. Once the loan or credit card is in arrears for a long time, it is very likely that the online merchant loan quota will be cancelled.
3. Online commercial loans are pure credit personal commercial loans in the Ali system. Without mortgage and guarantee, the expected annualized interest rate is much lower than that of similar products in the market, which can help you solve the capital problem quickly and develop the market steadily. In fact, the definition of online business loans, like previous loans, are all Alipay financial loan products.
The service object of online merchant loan is Alipay users, mainly providing fast loan service for Alipay users, and the interest rate is very low. The expected annualized daily interest rate is 0.0 18%, the term is 12 months, and the maximum loan amount is 1 ten thousand yuan. The expected annualized interest rate of loans is very low in wealth management products, which is a great benefit for friends who are eager for small loans.
4. Alipay online business loans mainly provide daily working capital for shopkeepers of Alibaba's major online shopping platforms, including Ali credit loans, Taobao/Tmall credit loans, and AliExpress loans. At present, not everyone can apply for Alipay online business loans, and the application threshold is relatively high. Product category:
(1) Credit loan: It is a pure credit loan product specially launched for Taobao and Tmall users. As long as your Taobao and Tmall stores operate normally and have no serious violation records, you will have the opportunity to obtain a certain amount of approval. Of course, the specific approval amount still depends on the comprehensive operation of your store.
(2) Order loan: hence the name incredible, it is a credit loan product developed according to the daily order volume of your store. The larger and more stable your order, the greater your chances of getting a loan and the higher the corresponding credit line.
(3) Prepayment: It is a credit loan product launched by Alipay to ease the financial pressure of Taobao and Tmall users and quickly collect the payment receivable from the store.
(4) Loan payment: It is a credit loan product specially provided for Taobao sellers to pay in installments after purchasing goods at 1688, which can greatly reduce the pressure on sellers to occupy a lot of money for purchasing goods. It should be noted that the loan payment can only be used when 1688 purchases goods, and it is not directly paid in cash and cannot be used for other purposes.