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.

2. What are the loan application conditions for ant micro-loan enterprises?

The maximum amount of Ali credit loan under Ant Microfinance is 6.5438+0 million, and application channels have been opened in several cities. Users can apply through official website and promoters, and the minimum expected annualized interest rate is 0.038% per month. Application conditions: 1, industrial and commercial registration time of the enterprise 1 year; 2. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, aged 18-65 years old, and a resident of Chinese mainland; 3. Closed areas: Xinjiang, Inner Mongolia, Gansu, Ningxia, Hainan, Qinghai and Wenzhou. 4. Personal Alipay account with real-name authentication. If you want to apply, just fill in the registration form: 1, full name of the company: please fill in the company name (or industrial and commercial registration number) on the business license, and individual industrial and commercial households fill in the industrial and commercial registration number; 2. Legal representative: Please fill in the name and ID number of the legal representative corresponding to the company name (or industrial and commercial registration number). If it is displayed by default, please ensure that it is the legal representative or the person in charge of individual industrial and commercial households. How to calculate the interest? For example, according to the expected annualized interest rate of 3.8 ‰ on the lowest day, the customer Wang Boss borrowed 65,438+million yuan on June 2, 2065,438, and immediately paid 65,438+million yuan to Wang Boss's bank card account after signing the contract on the same day, and repaid it in 12 installments. In the case of equal principal repayment, the principal of each period is about 8333 yuan, and the interest decreases step by step. According to the actually used principal, it will be settled on June 20 16 1 day, and the total interest expense is about 7420 yuan. (The above examples are for reference only, subject to the actual contract. )

3. What are the conditions for applying for ant micro-loan?

If you are talking about personal loans, identity cards, household registration books, marriage certificates, asset information: real estate licenses, driving licenses, etc. Income certificate: business license, organization code certificate, and income certificate will be issued by individuals. Hope to adopt

4. How about the loan of ant micro-loan enterprise?

If you meet the requirements, you can apply for corporate loans.

Enterprise credit loans application materials

1. Business license, organization code certificate, account opening permit, tax registration certificate, articles of association, capital verification report and loan card.

2, the main members of the enterprise and have more than 15% of the enterprise passport.

3, nearly three years, nearly six months of corporate bills.

4. Lease contract and list of business premises

5. Projects in the past six months (if any)

6. Proof of assets under the enterprise name