Borrowing is a consumer credit product under Ant Microfinance, and its main service target is Alipay users. As long as the user meets the application conditions for loan, he can apply. The object of credit loan service is Taobao merchants, mainly users of Alibaba, and borrowers are generally shopkeepers of major online stores. Borrowers do not need to provide mortgage or guarantee, and can obtain loans with lower interest rates than traditional credit loans by virtue of their own credit.
2. The loanable amount is different.
There are two ways of credit loan, of which the maximum loan amount for the express version is 500,000 yuan and the maximum loan amount for the standard version is 2 million yuan. However, the maximum amount of borrowing users is only 300,000, which is quite different from the credit line.
3. Different application conditions
Credit loans require the lender to be between 18 and 65 years old, be an enterprise legal person or an individual industrial and commercial owner, and have Alibaba membership. As long as the personal credit record is good, Alipay will grant the quota according to the user's sesame credit and usage. At the same time, users with high activity and strong repayment ability in Alipay have the opportunity to apply for loan quotas.
1. What is the collection process for borrowing books?
As mentioned above, it was initially taken over by Alipay customer service or collection staff. After all, it is a well-known platform, and its attitude and process are quite standardized. Just remind users of overdue matters and urge early repayment. If you don't come back for more than three months, it will be outsourced to a collection company, which is likely to be exposed in the address book and abused. After all, the outsourcing company will get the commission according to the dunning, and will not care too much about the "details".
Second, what happens if you don't borrow it all the time
Generally speaking, if there is no active repayment on the repayment date, ants will automatically deduct the balance, savings card and money in Yu 'ebao for repayment. If the amount is insufficient and the deduction fails, the ant will consider it overdue. If you don't pay it back after outsourcing, it will almost become a bad debt. It is estimated that Alipay will close your account, and it will be difficult to open it later.
Third, the impact of overdue loans.
1. leads to the decrease of sesame credit score.
Sesame credit score is related to the purpose of borrowing, and the risk control system will supervise customers in real time. Once overdue, the sesame credit score will drop. For example, the original score was 700 points, and it may drop to more than 600 points after the deadline.
2. Affect the use of loans.
Once loans overdue, it is likely to affect the normal use of loans. If the overdue situation is serious, it may even lead to the system closing the loan, and it is impossible to continue to use the loan in the future.
3. Affect personal credit
Overdue loans will not only affect sesame credit score, but also personal credit, especially if the overdue situation is serious, it is likely to be uploaded to PBOC credit information system. Once personal credit is affected, it will be restricted to apply for cards or loans in the future.