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 loan can be repaid with it.

At present, in addition to Alipay's "Flower Bank" and "Borrowing Bank", WeChat has also launched "micro-loans", and JD.COM and others also have "IOUs" and other businesses. Although these products have different names, they are all credit lending products and do not need mortgage. Customers can get loans ranging from thousands to tens of thousands of yuan according to their credit status only by applying at the mobile phone client, and the loan interest rate is generally five ten thousandths of the daily interest rate.

Extended data

Excuse me. Malicious overdue will have a bad record

"Ant Borrowing" claims that "overdue records will be recorded in Sesame Credit and uploaded to the basic database of financial information according to regulations"; And "Ant Flower Garden" also said that "overdue repayment will generate corresponding overdue interest, and overdue records will be submitted to Sesame Credit, which will affect Sesame Score and may adversely affect your credit."

In this regard, the reporter recently consulted Alipay customer service, and the other party said that if it is purely "flowers" and "borrowing", it will not be reflected in the central bank's credit record at present. However, if it is seriously overdue, then this overdue record is likely to be reported to the central bank's credit information system.

Baidu encyclopedia-online loan

Baidu Encyclopedia-Excuse me

People's Network-It's not difficult to borrow it again if it's good. Peer-to-peer lending may also affect credit.