Chemiaodai is an innovative product launched by Alibaba Automobile in the field of auto finance and loans in August 2015, jointly with OEMs and financial institutions. However, many lenders reported that after submitting their application, they reported that "Chemiadai is temporarily unavailable to you." ", what's going on?

How many Sesame Credit points are needed to get a car loan? Tmall Car Miaodai requires 700 credit points

The reason why Alibaba Car Miaodai cannot open its services to you temporarily: Car Miaodai is a platform that connects automobile financial institutions and many car brands. The platform will be based on consumption It analyzes the consumer's online shopping credit record, bank credit record and daily consumption data. If the consumer's credit situation is good, he or she can obtain a car loan. Chemiaodai determines whether you are qualified based on the evaluation of your account. The calculation of the evaluation of this account is more complicated. The sesame score is an important indicator. It should be more than 600, but it is not necessarily more than 700. A score of 750 is No one is necessarily qualified. In addition, your account's daily shopping habits, quality, time, and stability all determine whether you are qualified to a large extent. You don’t have to spend tens of thousands a month on an account like Taobao. As long as you often shop on Tmall Taobao and have good credit, your application will almost be successful.