How to borrow money from Huabei, and what conditions must be met to open Huabei

There are various loan products on the Internet, and I believe users will also conduct them one by one before applying for a loan. contrast. Huabei is a loan product launched by Alipay, which mainly meets people's daily shopping and consumption needs. How can I borrow money from Huabei? What conditions must be met to open Huabei? Let’s give you a detailed introduction to Huabei borrowing.

How to borrow money from Huabei?

First of all, Alipay users must make sure that they meet the requirements for opening Huabei. If they meet the requirements, they only need to open Alipay, then click "My" in the lower right corner of the Alipay homepage, and then jump directly to the page. , you can find Huabei at the bottom of the page, click to enter Huabei, the user only needs to click to agree to the option of activating Huabei. After clicking to complete, the payment password will pop up, and you only need to enter your own payment password.

Later, after the user opens Huabei, the platform evaluates the user's comprehensive situation to determine the loan amount the user can obtain.

Finally, when users set up Alipay, they need to set the payment order of Alipay. For example, some users will set Huabei to be deducted first.

What conditions must be met to activate Huabei?

1. The Alipay platform has certain restrictions on the age of users. Applicants are required to be over 18 years old, must be adults, and must undergo real-name authentication.

2. The applicant’s Alipay account must be bound to a mobile phone number.

3. The frequency of Alipay usage of the applicant cannot be too low, which may affect the success rate of opening Huabei.

4. If the borrower's personal assets are too low, it is recommended that the applicant transfer his or her own funds to the Alipay platform before opening Huabei. If the funds are too small, it may affect the opening.

How to borrow money from Huabei? What conditions must be met to open Huabei? In summary, the above content is to introduce to you the actual situation of opening Huabei. I hereby suggest that after opening Huabei, you must apply for a loan according to your actual needs. Do not be overdue to avoid any damage to your personal credit. cause impact. How to apply for a loan in Huabei

1. How to borrow money in Huabei? Is there a simpler way?

First of all, Huabei itself does not have the function of borrowing money. It can currently only be used to purchase goods, which I believe you have already used frequently in your life.

It cannot be lent directly, but there are currently many ways to take out Huabei in disguise. The specific methods are as follows:

1. Confirm the amount you want to take out. .

2. Add the WeChat ID of the recycling merchant: explain your needs to the merchant’s customer service.

3. Customer service will conduct a risk control test according to your needs. After confirming which mode you can use, a special store will be arranged for you. There are currently many types, and you can choose according to your needs. .

4. After the operation is completed, send a successful screenshot to our customer service and wait for processing. It will take approximately five minutes to complete.

More specific content will depend on your needs. For more detailed information, you can consult customer service.

2. How to return Huabei after it is obtained? Is it possible to return it in installments

Huabei currently supports 3 return methods, as follows:

1. Divide Monthly Return

After the bill comes out, you can divide Huabei into several months to return according to your ability, so as to reduce your return pressure and avoid overdue behavior. Of course, repaying in installments will also derive a certain amount of interest. The specific amount is subject to the page display.

2. Minimum repayment

When you are unable to repay the full amount, you can repay the minimum amount according to the bill issued so that it will not cause you to be overdue. However, interest will be calculated on the remaining unpaid portion starting from the next day.

If you have 1,000 remaining but have not repaid it, the daily interest is: 1,000x0.05x1 day=0.5 yuan.

3. Extended return

Extended return means moving this month's bill directly to the next month for return, but currently only 100-5000 can be used. The remaining balance needs to be returned like this or installments.

3. Can the return date of Huabei be changed?

Currently, the change is supported, but there is only one opportunity a year. It is recommended that you make adjustments after careful consideration. The operation method is as follows:

1. Enter the Huabei page, click My, and then find (Repayment Date Settings) on the page. You can see the two dates on the page, the 15th and the 20th. You You can choose according to your own situation and click to adjust immediately.

Note:

Once changed, it cannot be undone. It is recommended to think carefully before making a decision.

The above is the relevant knowledge about how to borrow money with Huabei. I hope it can help you better understand Huabei. At the same time, I also hope that what are the steps to borrow money with Huabei?

First activate Huabei:

1. Open Alipay and click "My" in the lower right corner.

2. Open Huabei and click "Open Huabei".

3. Pass face verification.

4. After verification, Huabei is activated.

Later, you can use Huabei to pay when paying:

1. Online payment: Select the product and jump to the payment page. Change the payment method on the checkout page. Select Huabei, enter the payment password and the payment will be successful.

2. Offline payment: Log in to Alipay on your mobile phone - open the top of the page to pay, click on the payment method below the QR code, select Huabei, give the QR code to the merchant to scan, if the transaction supports Huabei , that is, Huabei payment will be given priority. How to borrow money with Huabei Loan? Introduction to borrowing methods with Huabei Loan

Huabei is a credit consumption tool launched by Alipay. When users consume, they can use Huabei’s credit limit and enjoy the “spend first, pay later” For shopping experience, Huabei can only consume but not borrow. Jiebei is a loan service launched by Alipay. Users with a Sesame score of 600 or more can apply. Depending on the score, the loan amount that users can apply for ranges from 1,000 to 300,000 yuan. The maximum repayment period for Borrowing is 12 months, and the interest rate on the loan date is 0.045. You can repay as you borrow.

The borrowing process is as follows:

1. Open Alipay, enter your username and password on the login page, and click to log in;

2. In the certification center, press It is required to fill in the certification information;

3. In "My", Ant Borrowing, click to see the personal loan amount and loan interest rate, enter the loan amount to complete the loan.