Have a certain reputation.

What are the application conditions for Taobao shop owners to apply for loans? What are the loan products of Taobao Loan? According to the data of Taobao loan website, Taobao loan is currently divided into order loan, which is repaid with the loan (3 months), repaid with the loan (6 months) and the average capital (12 months). When Bian Xiao mouse slides to repay with the loan (3 months), the webpage displays "Dear, this service has been suspended, thank you for your attention". In addition, the guarantee company also provides e-commerce enterprises with goodwill pledge financing guarantee, that is to say, with the "diamond" on Taobao, they can apply for loans from banks.

1, Taobao order loan application conditions and loan interest rate

Application conditions: Store registrant 18 years old or above, with full civil capacity of Taobao seller; Taobao shop has been operating effectively in the last two months, with effective trading volume every month; Honest and trustworthy, the store has a good credit record. The current daily interest rate of the order loan is about five ten thousandths, that is, the loan interest of 10000 yuan is 5 yuan a day; The loan interest is calculated according to the actual amount used and the number of days. The interest is calculated on the loan date, not on the repayment date.

2 loan application conditions and loan interest rate (6 months)

Application conditions: 1) Taobao Store has been operating effectively in the last 6 months, with effective monthly trading volume and good operating conditions; 2) Store registrant 18-65 years old. Secondly, the credit loan is the result of whether the system can give loans according to the comprehensive situation of the store operation (related to the store operation data, such as the store's favorable rate, refund rate, deduction points, penalties, complaint points, etc.). For a credit loan with a credit period of 6 months, the daily interest rate is about 6/10,000/day (i.e. 0.06% per day), and the daily interest of 1 10,000 yuan is 6 yuan money.

3. Average capital (12 months) loan application conditions and loan interest rate.

Application conditions: 1) Taobao Store has been operating effectively in the last 6 months, with effective monthly trading volume and good operating conditions; 2) Store registrant 18-65 years old. Secondly, the credit loan is the result of whether the system can give loans according to the comprehensive situation of the store operation (related to the store operation data, such as the store's favorable rate, refund rate, deduction points, penalties, complaint points, etc.). For credit loans with a credit period of 12 months, the daily interest rate is 0.05%, and the loan is 1 10,000 yuan, and the daily interest rate is 5 yuan money.

There have been successful cases about online store credit rating mortgage financing. Jieyang Boda Financing Guarantee Company accepted goodwill as the main pledge for the first time, providing guarantee for an e-commerce enterprise and helping it obtain a bank loan of 500,000 yuan. The enterprise that obtained financing is an e-commerce enterprise that deals in clothing, with an annual flow of 7 million yuan, but it lacks fixed assets as collateral.

In addition, Taobao shop owners can also apply for credit loans from banks, and they need to provide ID cards, household registration books, personal income certificates and other relevant application materials that banks need, and banks will review and investigate the submitted application materials; After the bank checks it correctly, the borrower and the lender sign a loan contract. After the loan is successfully obtained, the bank lends money, the applicant uses the loan, and the borrower needs to repay the loan on time according to the contract.

Hope to adopt. Thank you.

Second, how does the online merchant bank lend, and what is the maximum loan amount?

Online commercial loans are divided into several types:

1. The line directly given by the online merchant bank is shared by some people, borrowed by some people, and enjoyed by others. I borrowed 10 thousand by myself, and the online merchant also borrowed 10 thousand.

2. It seems that applying for a legal person business license within one year is at most 3 million, and it is awesome to pay 200,000 to 300,000.

3. Taobao order loan Taobao merchants. The latter two need to be submitted for review, which is directly related to the qualification of customers. The first gundam I have ever seen is 1.8 million. Give you a warm reminder: try not to borrow online business loans to repay in advance, otherwise the quota will be gone. Don't ask me why I know.

3. The credit line of Taobao Ant is 654.38+0 million. Is it safe to borrow this?

This is safe and reliable. Be careful not to default on the repayment date! Loans are a good thing

Start (a disease)

4. What are the conditions for borrowing 10,000 yuan?

Then go to the bank to apply for a credit card! This is the fastest! If you want to borrow more money, you can apply for a personal credit loan. Your qualifications are in line with personal credit loans! Elements of personal credit loan 1. Commercial banks with loan targets generally have strict regulations on borrowers of personal credit loans. To apply for a personal credit loan, you must first meet the following basic conditions: ① a China citizen who has a fixed residence in China and a fixed residence in a local town and has full capacity for civil conduct; (2) having a legitimate and stable economic income and the ability to repay the principal and interest of the loan on schedule; Law-abiding, no illegal acts and bad credit records; (3) Opening a personal settlement account in a lending bank (it is agreed that the borrowing bank will deduct the loan principal and interest from the personal settlement account designated by it); (four) other conditions stipulated by the banks. 2. Loan interest rate The personal credit loan interest rate shall be implemented in accordance with the benchmark interest rate of loans of the same grade at the same period stipulated by the People's Bank of China, and the floating range shall be implemented in accordance with the relevant provisions of the People's Bank of China. The interest before the extension is calculated and paid according to the interest rate agreed in the original contract. After the extension, if the accumulated loan term is less than 6 months, the interest will be calculated according to the 6-month loan interest rate listed on the same day from the date of extension; If it is more than 6 months, the interest shall be calculated according to the 1 year loan interest rate listed on that day from the extension date. 3. Term of loan The term of personal credit loan is generally 1 year (including 1 year), and the longest is no more than 3 years. Banks usually carry out personal credit rating every year, and determine the extension of personal credit loans according to the credit rating. 4. Repayment method: If the term of personal credit loan is within 1 year (including 1 year), the repayment method of monthly interest payment, monthly, quarterly or one-time principal repayment shall be adopted; If the loan term exceeds 1 year, the repayment method of monthly principal and interest shall be adopted. 5. Loan amount The bank determines different loan amounts according to the borrower's credit rating and specific circumstances; And report to the superior for approval according to the authorized authority and different quotas. For the specific amount of provisions, banks vary greatly. Loan is mainly based on the actual use of your loan to determine your loan method! You can submit a loan application online, and you can check your loan progress in 2 to 3 working days (except weekends and holidays)! Click on the online loan application link: (This article was originally written in: