According to the official introduction, the daily interest rate of borrowing treasure ranges from 0.0/kloc-0.5% to 0.06%. The specific daily loan interest rate is determined by the system based on the comprehensive evaluation of user qualifications, personal credit, consumption habits and other factors. Due to the different personal conditions of borrowers, the loan interest rate will be different.
The following methods will help users get a higher loan amount when borrowing money:
Users can usually use Alipay to spend more, and their good spending power can reflect their economic strength. It is best to buy some Alipay wealth management products. The more personal assets, the stronger the repayment ability of users, and the lower the overdue risk of users. Therefore, frequent use of Alipay helps to obtain a higher loan amount.
Improve sesame credit score
Friends who open a loan account know that the opening and quota of the loan account are directly related to the user's sesame credit score. The higher the personal sesame credit score, the better the user's personal credit status and the greater the overdue risk. Therefore, users with low sesame credit scores are more likely to get lower daily loan interest rates.
Users will supplement Alipay's personal information, spend more money and keep a good repayment record. These methods will help to improve the credit score.
In order to improve the sesame credit score, everyone can use the flower buds to pay more when shopping. After frequent use of flower buds for payment, everyone must remember to return the flower buds on time and successfully repay the flower buds before the final repayment date. If you are not careful, it may have a negative impact on your sesame credit score.
Lending Bao, now known as credit loan, is a loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
2065438+20081October 9, 65438+2065438, or due to excessive leverage ratio, in violation of the relevant regulatory provisions of the central bank, actively closed some user accounts and controlled the loan balance.
2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan". In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution.
After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.
Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.
At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:
1, deposit the balance treasure or lucky treasure (regularly), and deposit 15000+ money, which can be spent after basically 10, usually at1-10;
2. Download the online merchant bank app on your mobile phone, and then save it in your computer. 10,000+deposits can basically be lent to Bai+online merchant bank for 10,000 consumer loans in one month.
20211news, Lending Bao responded that Lending Bao is gradually promoting brand isolation, and many licensed financial institutions, including Ant Consumer Finance Company, will provide users with small consumer credit services.
Future loans will be provided by Ant Consumer Finance Company and become the exclusive brand of Ant Consumer Finance Company. Credit services independently provided by financial institutions such as banks will be displayed on the "Credit Loan" page.
In the process of brand isolation, the user's service experience will not be affected, and the core processes such as account opening, audit, interest calculation and loan repayment will not change.