Conditions for loan processing:

1. China citizens with permanent residence in China, permanent residence in local towns and full capacity for civil conduct;

2. There are justified reasons and the ability to repay the loan principal and interest on schedule;

3. Abide by discipline and keep bad credit records;

4. The purpose of the loan is clear, in line with state regulations, and relevant certificates can be provided;

5. Other conditions stipulated by the bank.

Second, how do Taobao sellers apply for loans in banks?

It is ok to deliver more goods.

Third, how do online merchant banks lend money?

The first function of online merchant bank is to lend money. If the application is successful, you will generally be given a quota of 6.5438+0 million. Where will the money from this loan go? Will go to the balance of AliPay. So, how to get the money from the online merchant bank? Next, I will give you a detailed explanation of Ali loan products.

1, online merchant bank loan. After the online merchant bank APP is updated, as long as users with sesame scores above 600 download the APP, they can apply for up to 200,000 loan services, as well as financial management and transfer. In addition, the latest version of Alipay is updated, and some users will display this channel directly in Alipay.

2. In the field of consumer finance, users with a sesame credit score of 600 or above can apply for a "flower garden" quota payment when shopping in Tmall and Taobao. For example, there is an interest-free period of more than one month. Just add ant flower buds in Alipay service window to apply!

3. If the sesame score is above 600, the sesame credit partner (P2P company, small loan company, etc.). ) It can open up a green channel for it to obtain faster and better credit audit services, as well as preferential services such as increasing the amount and repayment, such as: mobile phone loan, credit wealth management, Ping An easy loan, flash banking, and pat loan.

4. Borrowing loans, sesame credit 600 points. Download the latest version of Alipay APP, open the wealth column, find the word "Ant Borrow", and click to use it immediately. After entering the page, you can intuitively see how many loans you have. The next operation is particularly simple. Click "I want a loan", fill in the loan amount and loan term, and confirm the use. 1 minute, you can get the corresponding loan. After the store users are updated, the loan becomes an online business loan. The longest repayment period is 12 months, which can be repaid with the loan.

5. Seller's order loan: At present, the daily interest rate of Taobao's order loan is about five ten thousandths, and there is a personal shop in Taobao. The store has been in business for more than 2 months and is in good operating condition. And in line with the monthly transaction volume stipulated by the lending institution, personal credit is good. As long as the borrower meets the above conditions, he can apply for a loan from Taobao Seller Center. Generally speaking, the loan amount of Taobao order loan is not high, and the application is relatively comprehensive, which is a good choice for many Taobao sellers who cannot get loans from banks.

6. Interesting staging and future staging: A new force of college students who have contributed a lot to Taobao's revenue has specially opened a college student area in the sesame credit column of Alipay wallet. Users only need to find the entrance of Sesame Credit, click on the column of Credit Life, and they will see the words: Alipay United Fun Staging, Future Staging, and provide a credit line of 9,000 yuan for children's shoes with sesame scores of 600 or above. This service covers 99% of colleges and universities in China.

7. The loan service of recruiting a good term loan is hidden in Alipay's sesame credit. People who want to apply for a loan must meet a prerequisite. Sesame credit score of 600 points or above, to qualify. For parents with good credit qualifications, this is naturally not a problem. Find the entrance of "Sesame Credit" in Alipay wallet, click on "Credit Life", and you can see the words "Call for a good term loan" in the financial column! Line1-30,000!

8. Ali traffic loan is actually a traffic loan from an online merchant bank. This is the cooperation between online merchant bank and CNZZ, a website traffic statistics organization in China, to launch credit products for small and medium-sized entrepreneurial websites. Provide credit loans to all qualified entrepreneurial small and medium-sized websites inside and outside the Ali system! Analysis of the flow loan rate is 89%, and the amount is 2-65438+ 10,000!

9. Corporate loan-the maximum amount is 654.38+0 million. Ali credit loan is credited to personal account, and only an enterprise legal person with sesame credit of 600 points is qualified to have the decision right to use the loan. Therefore, Ali Ant Xiaowei requires that the applicant for Ali credit loan must be a legal person, so Ali credit loan is credited to the personal account of the legal person.

10, "Ali Go" launched a "credit stay" hotel service plan based on Sesame Credit, and users with more than 600 points can enjoy "zero deposit" and other services when booking hotels. The emerging rental platform "Little Pig short rent" has also launched a deposit-free check-in service with sesame credit of 600 points or more.

To tell the truth, most of Ali's loan products have high interest rates, much higher than the loan products launched by banks, but the loan speed is particularly fast, which can be reached in seconds, so many people like to use them. Finally, the most important point is that these products are basically bound to your sesame credit, so be sure to protect the sesame points!