1, borrow: sesame score needs more than 600 points.

2. Reserve fund: you need to be an ant member, and the sesame score is above 650.

3. Online business loan: priority can be given to small and micro enterprises, and the maximum loan amount can reach 500,000 yuan.

4. Comfortable flowers: the loan amount is between 5 million and 50,000 yuan.

5. Recruit a good term loan: the maximum loan amount can reach 200,000 yuan.

Expansive material:

First, the adverse effects of not returning flowers:

1, collection; Loans overdue will definitely encounter collection, including but not limited to electricity collection, SMS collection, email collection, WeChat friends circle collection and the above methods. It's not good for yourself and your friends. It is best not to have loans overdue, so as not to endanger the lives of yourself or others.

2. Reduce sesame seeds; The opening and application of flower buds are closely related to the personal credit information system of Sesame Credit. If loans overdue happens in Huabai, loans overdue will appear in the negative information record of Huabai. If the situation in loans overdue is serious, the sesame branch will continue to decrease.

3. Endangering loans; Due to the sesame credit score uploaded by the loans overdue Records Conference, the loan will be seriously endangered. In the financial management system of Ant Financial Services, there will be credit loan products borrowed by ants. If they are spent, loans overdue is likely to endanger the application of ant borrowing.

4. Litigation and injunction; For long-term intentional customers in loans overdue, Bai Hua has the right to use laws and regulations to collect arrears.

Second, the full name of Flower Garden is Ant Flower Garden, which is a consumer credit product launched by Ant Financial. After the application is opened, you will get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying". On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange. By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions. 202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.

Third, the repayment method

Users can prepay the amount of ant flower buds at the time of consumption, and make repayment on the 9th of the following month after receiving the goods. The longest interest-free period can reach 4 1 day. In addition to the consumption experience of "buy this month, pay it back next month, and it is super long and interest-free", Ant Flower Garden has also introduced the function of flower garden staging, and consumers can repay the money in 3, 6, 9, 12 months. The 9th of each month is the repayment date of Bai Hua, and users need to pay off the generated Bai Hua bill on the repayment date. On the due repayment date, the system will automatically deduct the balance of Alipay account, Yu 'ebao (with the function of withholding Yu 'ebao) and fast payment by debit card (including one card) in turn to repay the outstanding part of the bill. You can also take the initiative to repay. In order to avoid overdue, please ensure that the amount of Alipay account is sufficient. If it is overdue, a late fee of 0.5% will be charged every day.

On 20 1 811June12nd, the new function of AliPay App announced that the Bai Hua deferred repayment function would be fully opened on1June/February1day. To put it simply, the extension of the flower garden is equivalent to a simple transition, which can alleviate the repayment pressure of the pickpocket party to a certain extent. On July 30th, 20 19, Alipay began to adjust the billing date and corresponding repayment date in Bai Hua: users who have signed a contract in Bai Hua for more than one year can enter the setting of Bai Hua-My repayment date after passing the system evaluation. Users can now choose to repay on June 5438+05 or 20, and the billing date will be adjusted to June 5 or 10 accordingly.

(Operating environment: Apple 12, ios 14, Alipay version 10.2.3)