What is the difference between Jiebei and Huabei?

The difference between Jiebei and Huabei:

1. The services of the two are different

< p>Huabei is the credit consumption limit on Alipay. Cash cannot be withdrawn, let alone tx

, but the Huabei credit can be used for consumption payments. Jiebei is a credit loan product on Alipay. After entering Jiebei, you can see the loan amount and borrow cash.

2. The quotas of the two are different

The quotas of Huabei and borrowing will be reviewed and determined based on the user’s spending power, repayment ability and personal credit, but the quotas of the two are different. There are highs and lows. Huabei's credit limit ranges from 500 to 50,000 yuan, while borrowing credit limit ranges from 1,000 yuan to 300,000 yuan. The borrowing credit limit for Huabei is much higher than that for Huabei.

3. The fees charged are different

As we all know, Huabei has a certain interest-free period. After we use Huabei to pay, we will not incur any charges if we repay in full before the repayment date. Any handling fees will be charged if you use Huabei installment, and you can also choose the minimum repayment. Jiebei is a loan service. As long as you borrow money, interest or handling fees will accrue. The interest on Jiebei is charged on a daily basis, and the maximum daily interest rate is 0.05%.

Both are credit loans and have relatively high credit requirements for users. Usually, old Alipay users have higher credit limits for Huabei and Jiebei. New Alipay users may not have Huabei and Jiebei. permissions. Both will be on the credit bureau. Now Huabei and Jiebei will be uploaded to the credit report. We use Huabei to consume or borrow money from Jiebei. The Alipay platform will summarize personal usage every month and then report it to the credit report platform. If Huabei and Jiebei If it is overdue, there will be a negative record on your credit report. What is the difference between Alipay’s Jiebei and Huabei?

1. Essentially different. Huabei is a tool for advanced consumption, and Jiebei is a loan tool.

2. Interest rates are different. Users repay Huabei debts in the same month without incurring interest; borrowing money will calculate interest based on the daily interest rate. The daily interest rate for borrowing money is different for each user. Users need to refer to the display on the borrowing page.

3. The application scenarios are different. Huabei is mainly used in Taobao, Tmall, and some external merchants; Jiebei can be used in all scenarios that meet legal standards.

The credit in Huabei cannot be used to send red envelopes, transfers, etc. The payment methods for sending red envelopes only support balance, Yu'E Bao, and savings cards. After the user uses the loan, the funds will be transferred to the savings card designated by the user, and the funds can be used for red envelopes, transfers, etc.

Huabei cannot withdraw cash. Using Huabei tx

is an illegal operation and will affect the credit record and credit services given to users, and they may not be able to enjoy credit services in the future. This means that when users have difficulty in cash flow, they cannot use Huabei to solve the problem.

Jiebei can provide loan services to users. When users have capital needs, they can borrow Bei loans to solve their own capital turnover problems. Huabei and Jiebei*** both provide financial services to users. You can use Huabei for daily consumption, and you can use Jiebei if you have financial needs.

When using Huabei and Borrowing, users need to repay on time to avoid overdue payments. What is the difference between Ant Borrowing and Ant Huabei?

Both are services provided by Ant Financial.

1. When you pay with Ant Huabei, you can choose to pay with Huabei. If you don’t repay in installments, you don’t need interest, as long as you pay in the next month after consumption. Just pay it back before the 10th.

2. Jiebei provides small loans, which will be transferred to your Alipay with interest.

Secrets to improve sesame points:

1. Buy, buy, buy online;

2. Complete personal true information;

3. Donate 2-3 times a month, the amount is arbitrary;

4. Bind a credit card (recommended 3), and use credit cards for shopping;

5. Living payment requirements Be proactive and pay for water, electricity and gas once;

6. Purchase a fund on Alipay for about 2,000 yuan;

7. Open Yu'ebao, which is now more cost-effective than bank deposit interest ;

8. Add friends with high Sesame Credit scores, and frequently transfer money and interact with red envelopes;

9. Pay attention to external data, such as vehicle information, academic information, Yingling, DingTalk Etc.;

10. Open "Huabei", use "Huabei" to pay for shopping, and pay back a few days in advance next month. The difference between Jiebei and Huabei

The difference between Jiebei and Huabei: 1. Jiebei mainly provides users with cash loans, which can be withdrawn; Huabei is a credit payment product and cannot withdraw cash; 2. Jiebei is a credit payment product and cannot withdraw cash; Bei will charge interest on a daily basis after borrowing money, and Huabei can enjoy a certain interest-free period after using it; 3. When activating Jiebei and Huabei, different users will receive different credit limits, etc.

After using Jiebei and Huabei, you must repay on time and avoid overdue repayment, because overdue repayment will generate penalty interest, and the platform will collect collection after overdue repayment. Finally, overdue repayments of Jiebei and Huabei will be uploaded to the credit reporting center by the platform. If personal credit becomes bad, it will affect the subsequent processing of various loans.

If you cannot repay on time after using Huabei, you can use installment repayment or deferred repayment. When using installment repayment, you can choose the number of installments based on your income. When using deferred repayment, you can only defer it once, and a certain handling fee will be charged based on the amount of deferment.

In order to avoid being unable to repay on time after using Jiebei and Huabei, it is best for users to know what aspects of income will be used for repayment before using them. If your personal income is insufficient, you should be cautious about borrowing money at this time. In fact, if you cannot repay the loan on time after using it, you can borrow money from friends around you to repay it, which can also avoid overdue payments.

Version information: Take Alipay version 10.2.59, Apple 13 (IOS15.4.1 system), Huawei mate40 (HarmonyOS2 system) as examples.