Taobao order loan first needs to meet:

1, a Taobao seller whose owner is over 18 years old and has full capacity for civil conduct;

2. Taobao stores have been operating effectively for the last two months, with effective trading volume every month;

3. Honest and trustworthy, and the store has a good credit record.

Taobao credit loan first needs to meet:

1. Taobao Store has been operating effectively for the last 6 months, with effective monthly trading volume and good operating conditions;

2. Store registrant 18-65 years old.

Secondly, the credit loan is the result of whether the system can give loans according to the comprehensive situation of the store operation (related to the store operation data, such as the store's favorable rate, refund rate, deduction points, penalties, complaint points, etc.).

How to borrow a loan from Alibaba?

Alibaba Microfinance:

① Alipay wallet has added the function of small and micro loans;

② "Small and micro loans"-* * includes four loan types: order loan, repayment by loan (3 months), repayment by loan (6 months) and average cost (12 months);

③ The daily interest rates of the four kinds of loans are five ten thousandths, six ten thousandths, six ten thousandths and five ten thousandths respectively, and the longest service life of a single loan is 60 days, three months, six months and 12 months respectively;

4 loan users mainly face Taobao sellers. In addition to reaching the age of 18, Taobao sellers need to be honest and trustworthy for two months, and then sellers can apply for a loan from Alibaba for capital turnover.

How to borrow a loan from Alibaba?

The conditions for applying for Ali credit loan are as follows:

1) Alibaba TrustPass member or China supplier member whose member registration time exceeds 6 months (if changing from ordinary member to paid member, counting from the time of registration as ordinary member);

2) industrial and commercial registration, a member enterprise, registered in Hangzhou (later Ali Loan was opened in Zhejiang, Fujian, Guangdong, Jiangsu, Shanghai and Beijing);

3) Outstanding balance of other products lent by Ali without members;

4) The applicant is a China citizen (excluding Hong Kong, Macao and Taiwan) with the age of 18-65, and is the legal representative of the enterprise (the individual version is the actual operator);

5) Personal Alipay account with real-name authentication.

How to borrow a loan from Alibaba?

Open the Alibaba page, there is a URL navigation in the upper right corner, click in to have financial services, just click in.

How to get a loan from Alibaba

Enter my Ali mouse and put it on the service to find an Ali loan, which is a sign of ancient coins. If you can't find it, search from the search box in the upper right corner.

Applying for a loan will evaluate your capital flow, credit store data, etc ~ ~ The higher the V level of the store, the lower the loan interest.

How does Alibaba borrow money?

Small loan companies are approved to be established and do not absorb public deposits. The loan interest rate of a limited liability company or a joint stock limited company engaged in microfinance business: the upper limit shall not exceed 4 times of the bank loan interest rate in the same period; The lower limit is 0. Multiplied by the benchmark loan interest rate announced by the People's Bank of China; At present, the benchmark loan interest rate of the central bank within one month is. %, yes, four times. %, the daily average is 6. 1%. At present, the interest rate of financial loans is 6% per day. Customers will mainly come from hundreds of thousands of small and medium-sized enterprises gathered on BB, Taobao and Alipay, and provide loans to them when they have delivered the goods but have not received the payment, and when they have financing needs to expand their operations. Information such as credit records and transaction status of small businesses operating in Libaba and Taobao shopkeepers operating on Taobao will be analyzed in the evaluation system as loan evaluation criteria. Assume that the term of each loan is days, and the compound interest is calculated once a year, and the annualized loan interest rate is calculated according to compound interest. Source of funds: Li Baba owns two small loan companies, Zhejiang Li Baba Small Loan Co., Ltd. (Zhejiang Small Loan) and Chongqing Li Baba Small Loan Company (Chongqing Small Loan). The two small loan companies are subsidiaries of Ribaba Group and other shareholders. The main sources of credit loans are Fosun Group, Yintai Group and Ribaba's own small loan companies. Income estimation: Suppose the loan fund is 654.38+0 billion yuan, and the turnover of small loan companies is. % of the loan funds, that is. One hundred million yuan; Business tax = turnover *% = 1. 1 billion; Maintenance and construction tax and education surcharge = business tax *(%+%)=0. 1 billion; Suppose the salary, welfare and other business expenses of the employees of the company are. 0 million (blindly estimated for the convenience of calculation), the taxable income of the company = 0 million.

What does Alibaba need for a loan?

Alibaba's online loan steps are as follows:

1, first enter "Alipay" on Baidu, and then enter Alipay's account number and password to log in;

2. After logging in successfully, click the Alipay homepage and click the "Application Center" option at the top of the webpage, as shown below:

3. Click "All Applications" on the application center page, and then click "Ali Loan" on the right side of the application, as shown below:

4. Click to view Ali's loan conditions. If you meet Ali's loan conditions, just click "Apply Now" below the conditions. Click Apply, wait patiently for approval, and then you can borrow money.

How does Sesame Credit score loans in Alibaba?

1. If the sesame credit score is not less than 600 points and the user meets the requirements, just upgrade your Alipay wallet to the latest version, and you can use the "borrow" loan function in the "wealth" column of Alipay wallet.

2. Borrowing is a consumer credit product under Ant Microfinance. Users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans. According to different scores, users can apply for a loan of up to 50,000 yuan, and the amount applied can be transferred to Alipay balance. The longest repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is 0.045%.

3. Although using Alipay to borrow money is convenient and fast, its interest rate is relatively not low, so remember to overdraw within your own ability to avoid exceeding your repayment ability and adversely affecting your personal credit.

How to apply for Ali credit loan

Ali credit loan is a kind of operating loan, and it is a financing loan service provided by Alibaba for member enterprises. Mainly meet the liquidity needs of member enterprises in the process of production and operation. I'll work it out. Alibaba's credit loan requires the place of registration, and it must be operated for 1 year, with good credit. 1 annual sales 1 more than ten thousand yuan.

Applicable people

1. Small business owners and individual industrial and commercial households that need liquidity in the process of production and operation.

2. The applicant's total sales in the past 65,438+02 months is not less than 654,380+000 million yuan, and it is profitable in operation and has good growth.

3. The applicant has no bad records in Alibaba Group and external financial institutions.

Application conditions

1, a member of Alibaba China Station (once a member of Alibaba Integrity) or a member of China suppliers, with a certain operating record; (To get a loan, you must be a member of Tong or a supplier in China).

2. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, aged between 18-65, and a resident of Chinese mainland.

3. industrial and commercial registration is located in Shanghai, Beijing, Tianjin, Zhejiang, Shandong, Jiangsu and Guangdong provinces, registered as 1 year.

In Ali Finance, how do individuals get loans?

Enterprises and individual residents can apply for Ali financial loans online and get loans with personal credit without mortgage guarantee. However, the loan mainly screens users through the invitation mechanism, and individuals who have not received the invitation cannot apply for Ali Financial Loan.

There are two credit products in Ant Financial Loan System: Ali Credit Loan and Fast Loan. Ali credit loan has a maximum loanable amount of 654.38+0 million, a maximum term of one year, and a minimum daily interest rate of 0.042%, and is repaid to the average capital on a monthly basis.

Alibaba financial loan refers to the loan issued by the borrower's credit, and the borrower does not need to provide guarantee. Its characteristic is that the debtor can get a loan only by his own reputation without providing collateral or third-party guarantee, and the borrower's credit degree is used as repayment guarantee. Time Credit Loan is a pure credit loan product provided by Ali Finance for Alibaba members (referred to as "Ali Credit Loan"). Ali's financial loan is unsecured and unsecured. At present, the loan products are open to Hangzhou Chengxin Tong members (personal version and enterprise version) and China suppliers, and the loan object is the legal representative of the member enterprises (personal version of Chengxin Tong is the actual operator). Microfinance is a kind of business loan with individuals or families as the core, and its main service targets are the vast number of industrial and commercial self-employed, small workshops and small owners. The loan amount is generally more than 1 10 million yuan and less than 1 10 million yuan. Microfinance is an extension of microfinance in technology and practical application. Microfinance in China: It mainly serves agriculture, rural areas and small and medium-sized enterprises. The establishment of small loan companies has rationally pooled some private funds, standardized the private lending market, and effectively solved the financing difficulties of agriculture, rural areas and small and medium-sized enterprises.