Jiebei is a product that calculates interest on a daily basis, with the daily interest rate ranging from 1.5/10,000 to 6/10,000. For a loan of 30,000 yuan, the daily interest rate is calculated based on 30,000 yuan. If you choose equal monthly repayments, the monthly repayment amount is 2,651.62 yuan, and the total interest is 1,819.49 yuan. If you choose to pay interest first and then principal, you should pay interest of 279 yuan in each of the first 11 periods. In the last period, you will pay a principal of 30,000 yuan and an interest of 279 yuan, and the total interest is 3,294 yuan.

“Jiebei”, now known as Credit Loan, is a loan service launched by Alipay. According to different Zhima scores, users can apply for different loan amounts. The maximum repayment period for Borrowing is 12 months, and the daily loan interest rate is 0.045%. You can repay as you borrow.

According to news on November 8, 2021, it is reported that the name of Alipay’s “Jiebei” has been changed to “Credit Loan”.

In response, Alipay customer service said that in order to facilitate you to have a clearer understanding of the actual consumer credit service provider, the consumer credit services independently provided to you by financial institutions that cooperate with Ant have been updated to "credit loans" , and display the name of the financial institution on the credit loan page. After this adjustment, the original borrowing, accounting, repayment and other services will not be affected.

/p>

Currently, the consumer loans launched by e-commerce giants are mainly for installments in the consumption scenario of the e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also gradually being launched. Launched. The following is the actual experience of increasing the amount:

1. Deposit 15,00 money in Yu'e Bao or Zhaocai Bao (regular), and you can basically withdraw it after 10 days, usually on the 1st to 10th;

2. Download the MYbank app on your mobile phone, and then deposit money into Yulibao. If you deposit 10,000 yuan + deposit for one month, you can basically lend it + MYbank consumer loan of 10,000 yuan;

Open the loan Notes on Baidu:

First, the Zhima credit score in Alipay is the primary condition that affects the activation of Baidu. As long as your Zhima credit score reaches 600 points, you have the right to apply for it.

Second, the activation of Jiebei is closely related to the user's activity in using Alipay. If you want to open Jiebei, the activity of Alipay is also an important condition. If the activity is not enough, it will be more difficult to open Jiebei.

Third, the user’s default situation when using Alipay is an important factor that affects the opening of Jiebei. We have overdrafted Huabei’s limit before and failed to repay it overdue, then Alipay’s credit score will decrease, not only. It will affect your Alipay withdrawal limit and seriously affect the opening of Jiebei.

Fourth, the user’s repayment ability is the most important condition when opening Jiebei. . Alipay will determine whether we can open the loan based on personal information and personal occupation.