The object of 1. service is different.
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.
What is the difference between Alipay credit loan and loan? Three aspects to analyze.
; ? Since Alipay implemented brand isolation, some people's loan pages have become credit loans, and some people still show loans. What is the difference between Alipay credit loan and loan? Let's analyze it from three aspects. Friends who have similar questions can come together to find out if it is the same as they imagined.
What is the difference between Alipay credit loan and loan?
1, service theme
If the loan page still shows the loan, the operating entity is Ant Consumer Finance, and the user's loan amount, loan interest rate and loan review are all decided by Ant Financial, which means that the loan has become the exclusive brand of Ant Financial.
If the loan page becomes a credit loan, the operating entity is a cooperative financial institution, and Ant Group is no longer involved. Whether it is the quota or interest rate, as well as the review of borrowers, cooperative financial institutions make decisions.
2. Credit.
Whether it is a loan or a credit loan, it will be reported to the credit bureau.
Before borrowing, it was on credit. Even if it becomes a credit loan, it will continue to be on credit. However, the loan that becomes a credit loan is no longer reported by Ant Financial, but by the service subject displayed on the credit loan page. For example, credit purchase shows that financial services are provided by Yin Su Xiao Jin, so Yin Su Xiao Jin reports to the credit information system.
3. Repayment
There is no obvious difference. Anyway, they all click on the mobile phone Alipay and review the repayment after entering the page. Even if it becomes a credit loan, it is consistent with the repayment method of the loan.
On the repayment date, the system will automatically deduct the payment. The borrower only needs to ensure that there is enough deduction in the repayment account. If the deduction fails, he will repay it manually. Remember to return it before 24 o'clock on the repayment date, otherwise it will be overdue even if it exceeds 1 minute.
The above is the relevant introduction of "What is the difference between Alipay credit loan and loan", and I hope it will help everyone.
What's the difference between a loan and a credit loan?
1, the application channels are different. Credit cards are generally handled through the bank's credit card channels, such as credit card online banking App or on-site application at the bank. Consumer loans are generally handled through various consumer loan platforms, such as borrowing on Alipay, and micro-loans can be opened on WeChat or QQ. If you have money to spend on small financial loans, you must also apply at the small financial client. 2. The loan amount is different
The amount of credit card loans is generally related to the total amount of credit cards. For example, if the total credit line of an individual in a bank is 654.38+10,000 yuan, then the credit card loan line will not exceed 654.38+10,000 yuan. The amount of consumer loans depends on the specific provisions of each platform. For example, loans can reach up to 300,000 yuan, micro-loans can reach up to 200,000 yuan, and Xiaoman Finance usually spends up to 200,000 yuan. 3. Different repayment methods. There are many ways of credit card repayment, including full repayment, installment repayment and repayment according to the minimum repayment amount. Consumer credit loans are generally repaid on a fixed date after installment, but of course they can also be repaid in advance. 4. Different opening conditions
The conditions for credit card loans are similar to those for credit card processing. Generally, we will comprehensively refer to everyone's work income, fixed assets, real address information, and payment of five insurances and one gold. And then evaluate the credit card loan amount on the basis of meeting the conditions for handling the card. Consumer credit loans, such as borrowing money, micro-loans, and spending money on financial management, generally provide my ID card and bank card to keep the phone open, but whether it is a credit card or a consumer credit loan, we will generally refer to everyone's credit report.
5. The interest-free period is different.
Credit cards may have a certain interest-free period according to the regulations of different cards. Consumer credit loans generally begin to bear interest from the date of the next repayment. The main difference between credit loans and lending loans is the difference between lending institutions. In April this year, China People's Bank, China Banking Regulatory Commission, China Securities Regulatory Commission, foreign exchange bureau and other financial management departments jointly interviewed Ant Group and announced the rectification plan. One of the requirements is that "flower buds" and "borrowing buds" will become the exclusive consumer credit products of Ant Consumer Finance Company, and the consumer credit issued by other financial institutions with the help of data information provided by Ant Group will no longer be labeled as "flower buds" and "borrowing buds". The CBRC requires Ant Group to take effective measures to ensure that financial consumers can fully understand the names of credit service providers when applying for consumer credit services and avoid brand confusion.