Alipay is a "national" software, which includes the functions of food, clothing, housing, eating, drinking and having fun. Alipay's flower buds and borrowing buds are also two familiar functions, especially flower buds. Almost every user is a loyal fan of flower buds. Borrowing is familiar to borrowing users, and many users get financial support from borrowing.
However, whether it is the flower garden quota or the loan quota, it is given according to the user's credit situation, and the quota is also comprehensively evaluated by the system. If you don't support the initiative to raise the amount, it is inevitable that there will be times when the amount of money and loans are not enough. So besides borrowing flowers, what other formal loan products are hidden in Alipay? Is the threshold for opening high? Let's have a look.
1, excuse me
Lending Bao is an upgraded version of Lending Bao, with a minimum amount of 50,000 yuan, specifically to meet the needs of customers with insufficient loans. The maximum amount is 300,000 yuan, the longest loan period is 24 months, and the daily interest rate is as low as 20,000 yuan. Alipay said that Lending Bao is a series of products borrowed by ants, which is mainly used to meet the large capital needs of users at important stages of life, such as marriage and home improvement.
The borrower is Jiangsu Bank, and Alipay is the real lender as a platform for mutual financial assistance and risk control. Unlike lenders who borrow money, Chongqing Small Loan Company is different from Shanghai Pudong Development Bank. If the lender is a bank, the loan is obviously a formal loan included in the credit management of the central bank, and the brand background can be assured.
2. Alipay reserve fund
As the name implies, the reserve fund is a "spare coin purse" provided by Alipay. The amount of the reserve fund is generally 500 yuan, and the service period is 7 days, that is, no interest will be accrued within 7 days, and interest will be accrued after 7 days. However, general new users can enjoy interest concessions when applying for the reserve fund. It should be noted here that when the reserve fund is returned, it needs to be returned in full, not in part.
How to open the reserve fund? Opening petty cash is relatively simple. Enter AliPay Ant Member, find the petty cash button, click Enter, and follow the prompts. Generally speaking, if Alipay is a gold member or above, you can open petty cash.
"Qianhua" is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance) (formerly Baidu Qianhua, renamed as "Qianhua" in June 20 18). Money to spend-full of easy loans, can provide users with the maximum amount of 200,000, the daily interest is as low as 0.02%, and the loan interest 1 0,000 yuan starts from 2 yuan every day; Different from the white list opening mechanism of micro-loans, users need to provide their second-generation ID cards and bank debit cards for active application, and remind everyone to refuse to provide consumer loan services to college students. (Click here to test the consumption amount for free)
3. Online commercial loans
Online merchant loan is the original ant micro-loan and Ali platform, focusing on providing services for small and micro enterprises, individual consumers and rural users. At present, online commercial loans have been opened in most areas of Chinese mainland.
These three models are all popular products of Alipay, which are different from the loan products cooperated with Alipay platform.
What are the similar loans?
Besides borrowing, there are many loans to choose from in the market. Borrowing users can certainly find suitable loan products as long as they choose reliable big brands. There are many similar loans, such as micro-loans, which have the money to provide loan products for individual consumers.
Micro-loan can be said to be a loan product comparable to that borrowed by ants, and its popularity is quite large. Backed by Tencent, it is a big-name product. It is the most popular and reassuring loan product besides borrowing. The maximum loan amount of micro-credit is 300,000 yuan, with daily interest rate of 0.05%, 1 10,000 yuan daily interest 5 yuan. Recycling, but also cash withdrawal, is very popular among young people at present, and can be found on QQ and WeChat.
2. What are the loan products of Alipay?
As far as Alipay is concerned, only ants spend money, borrow money, borrow money and take a loan, which is expected.
Most others need Alipay certification!
3. What does Alipay mean by renting a plane?
A loan for renting a mobile phone. In fact, it is no different from mobile phone staging. Alipay's rental loan is to pay the deposit of the original price of the mobile phone first, and then pay the rent monthly. When the lease expires, the mobile phone will be returned to Alipay. The full-service Internet platform operated by Guangzhou Zhanqu Information Technology Co., Ltd. laughs late.