Sesame credit above 600 can use Alipay loan.

You can apply for the "flower garden" quota for sesame seeds with 600 points or more.

You can open Alipay loan with sesame score above 700.

Users with sesame scores above 700 have the opportunity to apply for Alipay loans, ranging from 2,000 yuan to 1000 yuan. The loan term is divided into 3 months, 6 months, 65,438+0.2 months, which can be repaid at any time with monthly interest. The repayment method is equal principal and interest.

You can apply for "borrowing" if the sesame score is more than 600. Through "borrowing", sesame credit users can apply for personal consumption loans with the corresponding amount of sesame seeds, and the applied amount can be withdrawn to Alipay balance, which is equivalent to obtaining a loan from the bank.

How many points can sesame credit be opened for ants to borrow?

First of all, a sesame credit score of not less than 600 is one of the conditions for opening an ant loan. In addition, you need to be 18 years old and complete Alipay real-name authentication (including ID card and mobile phone number). If the above conditions are met, you must pass the audit of Alipay system before you can open ant borrowing. System audit includes the repayment ability and credit status of users.

Borrowing is a loan service launched by Alipay. According to various evaluations, the loan amount that users can apply for is between 1 0,000-300,000 yuan. The longest repayment period is 12 months, and the daily loan interest rate is 0.045%. The money borrowed from the loan can be transferred to the balance of Alipay, just like the loan obtained from the bank, which can be tied to the bank card for cash withdrawal.

According to the survey, at present, more than half of the users who borrow money from ants are post-80s and post-90s. It should be noted that the consequences of overdue repayment are also very serious. This behavior will be recorded in Sesame Credit, and borrowers who refuse to repay will report directly to the credit information system, which will affect borrowers' later use of loan services.

How many points should sesame score reach before it can be opened for borrowing?

It takes more than 600 points for ants to borrow sesame seeds to open.

The higher the sesame score, the greater the chance of loan opening. If you want to get a loan, you need to complete real-name authentication in Sesame Credit, upload photos of the front and back of your ID card, certify your education, bind information such as vehicles and real estate, and do all the necessary authentication, so you can get a loan soon.

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.