Comparison between Alipay Ant Loan and Bank Loan: Who is Better?

1. AliPay Ant Loan and Bank Loan Comparison: Who is better?

If you can get a bank commercial loan, it must be a bank loan, but the requirements are higher.

At present, the benchmark interest rate of bank commercial loans is 4.9%.

According to the interest rate of 15 thousand, Alipay's annual interest rate is about 18%.

There is a big difference between the two.

Second, the comparison between Alipay ant borrowing and bank loans: Who is better than March 8th?

As a well-known private lending in Internet finance, Alipay loans are very popular. Now everyone who has Alipay knows that there is a loan, but if you ask him to name the bank loan, he may not be able to say it. Today, we will simply compare the differences, advantages and disadvantages between loans and bank loans for your reference.

First, the loan interest rate/interest Most people think that the bank loan is definitely lower than the interest of Ant Financial, which is actually wrong; In recent years, bank loans have also developed many low-threshold loan products, and the interest rate will be relatively high; For example, the loan of China Merchants Bank is10.5 million yuan, which will be repaid in five years, with a monthly repayment of about 3,000 yuan and a total interest of about 50,000 yuan. In this way, the annual interest rate is probably, the interest rate varies greatly between different users. For example, a colleague, the annual interest rate of ants borrowing is about 8%; Your own loan interest rate is one in ten thousand, and the actual annual interest rate is about 6%-8%; Of course, it is a quality customer, because Alipay is basically used every day and is an active customer; At the same time, I will buy Alipay wealth management products with a good credit record; This may be the reason why the quota and interest rate are satisfactory; Therefore, it is inaccurate to say that the bank loan interest rate is definitely lower than the loan interest rate. Second, the loan process/procedure Bank loans have always been more complicated. In the past, I needed to go to the bank with all kinds of application materials, and then I went through many processes such as review, face-to-face signing and waiting. The final payment time is also very slow, often taking several days to half a month, which is quite unfriendly to borrowers who need money badly. With the development of Internet finance, in recent years, banks have gradually applied for loans and mobile phone loan apps on WeChat online, simplifying the process and operating online throughout the process. Needless to say, the audience of Alipay now basically covers the whole country, and most people are used to using Alipay. The opening process is simple. In the case of an existing account, you can know whether you have a quota by clicking directly.

3. 8 18 Can Taobao receive the temporary quota?

It depends on whether Alipay has given you a temporary quota, and you don't want to take it.