Stop talking about it. I borrowed it. I borrowed it for one day at 5 100. The interest is 459, right? The interest is 459 pounds a day. Do not believe you try

Second, is Weibo's interest on borrowing money high or WeChat's interest on payment high?

The lowest official daily interest rate for borrowing money in Weibo is 0.04%, and the converted annual interest rate is 14.4%. For example, if the loan is 65,438+0,000 yuan, the interest is 65,438+0,000,000.04% 630 = 720 yuan interest.

The interest paid by WeChat is calculated on a daily basis, and the daily interest rate is 0.04%.

This shows that Weibo's borrowing money is the same as WeChat's interest payment.

Third, is the interest rate of gold bars high or low?

Borrow. The interest on borrowing is very high. The loan interest is calculated on a daily basis, and the daily interest rate ranges from 0.0/kloc-0.5% to 0.0. According to many users' feedback, it is generally 0.04%. The specific interest rate is also affected by the repayment method. There are two ways to borrow money: to repay the interest first and then the principal.

If equal monthly repayment is chosen, the interest rate will be 0.04% higher than the daily interest rate after interest, and the total interest after interest will be 839 yuan, which is 1 year, that is, more than 600 yuan. The specific calculation method is not explained here.

Interest on gold bar loan:

There are three kinds of interest-bearing methods for gold bars, namely, daily interest, monthly equal interest, interest first and principal later, with different interest rates.

If the lowest rate is 0.0 19%, you can choose to repay in installments of 1/3/6/ 12. The calculation method of interest is: the loan principal is borrowed for several days, and the daily interest rate is four ten thousandths, then you will receive interest 1460 yuan.

If it is equal monthly, the interest rate will be 0.39%~ 3/6/ 12. The calculation method of interest is the monthly interest rate of the loan principal. Borrow 10000 yuan, the term is 12 months, the monthly interest rate is 0.39%, and the interest is 468 yuan.

If interest comes first, the minimum loan interest rate is 0.0 19%, and the maximum annualized interest rate does not exceed 36%. You can choose to repay the loan in 3/6/ 12/ 18/24 installments. The method of interest calculation is daily interest settlement, with the outstanding principal of the current period as the calculation base, and the calculation formula is daily interest settlement loan.

In a word, there are many interest-bearing methods for gold bars and loans, and it is difficult to judge whose interest is high and whose interest is low.

To apply for a loan, you must meet the following four basic conditions:

1. AliPay account is normal and has passed real-name authentication;

2. Bind the mobile phone;

3. Apply for and use the same identity account;

4. Taobao loan has not been opened, that is, personal consumption loan and Taobao loan cannot be accessed at the same time.

The system will make a comprehensive evaluation according to the user's account usage, but it is still unable to apply for a loan, which may be due to the user's qualification. It is suggested that such users keep good credit habits and use Alipay to pay telephone bills, utilities and gas bills to prove their stability and repayment ability.

Reasons why the loan cannot be opened:

In order to open a debit card, users must meet these basic conditions: first, users must be real-name users of Chinese mainland Alipay, aged 18 years and above; Secondly, the Alipay account is in a normal state, and the sesame credit score that binds my bank savings card to a large household usually needs to reach 600 or above. Users who meet these conditions can try to apply for opening a debit card, but whether the debit card can be successfully opened is determined by the system according to the comprehensive situation of the user's account and cannot be manually intervened.

Some friends may not find the option to borrow money from their Alipay. This situation is mostly because the user's own qualifications have not yet reached the requirements of borrowing money, so the system has not opened its qualifications to users.