2 The borrower's credit status has a bad record, and the online merchant loan will close the loan line due to risk reasons;
Another big group applying for online business loans is Taobao shopkeepers. For this kind of users, the online merchant loan quota has been closed, which may be due to poor store management recently, resulting in a large number of bad reviews and returns.
Online business loan is an operating loan launched by online merchant banks for small and micro business owners and individual entrepreneurs, which can meet the capital needs of users in the course of business.
Loan interest rate: the monthly interest rate is 0.75 ~ 1.5%, and the interest is calculated on a daily basis, and it is supported to be repaid as you borrow.
Maximum amount: 5 million
Repayment method: average capital, interest first, then principal.
Customers who can apply:
1. Taobao Tmall shopkeepers and other "online merchants" who open stores online;
2. Small and micro enterprises, individual industrial and commercial households and individual operators engaged in production;
3. Long-term use of the online merchant bank app and customers who purchase online merchant bank wealth management.
4. Users of agriculture, rural areas and farmers such as agricultural planting, breeding and agricultural product processing.
5. Restaurants, mobile phone shops, small shops, and offline "coders" who use QR codes to collect money;
If you meet the above conditions, you can try to apply for an online merchant loan and then continue reading.
Basic conditions for application:
1. The applicant should have a real-name Alipay account, aged 18 or above, but not more than 65 years old.
2. The applicant has no bad credit record or debt record.
Online commercial loan application process:
1, log in to Alipay, click on mine, and see the online merchant loan.
2. Click on the online merchant loan, enter the online merchant loan page, and click the following to borrow money.
3. Enter the amount you want to borrow on the loan page of online merchant loan, and select the loan time;
4. After that, you can see the amount that needs to be repaid every month. After confirming that there are no problems, click Next.
5. After entering the online merchant loan confirmation information interface, directly click the collection account to select the collection account, and then click OK to agree to use it.
6. The next thing to do is to enter Alipay authorization. After the password is entered correctly, you can successfully borrow money.
Comparison between online merchant loan and bank-enterprise loan products
The main characteristics of online merchant loans are: fast payment, no need to open a physical card, repayment with the loan, low application threshold, no specific tax billing requirements and high frequency.
Characteristics of bank-enterprise loan products: most of the application procedures are long, and account opening (personal card or general company account) is required, with large amount, low interest rate, diversified products, high requirements and low frequency.
In terms of interest rate, the interest rate of online merchant loans of online merchant banks is relatively higher than that of bank corporate tax loans, government guarantee fund loans, export tax rebate loans and guaranteed loans. , and lower than the bank's personal operating interest rate.