The interest of ants borrowing money in Alipay is different from person to person, and the interest standard is different.

In this regard, Miss Alipay Customer Service gave an official explanation:

Each Alipay user's usage situation is different, and the interest rate is also different, which will be comprehensively evaluated according to the credit status of the account and the individual. Because the comprehensive situation and usage of accounts in different time periods are different, the daily interest rate is not the same.

However, everyone's interest rate is not constant. The system will comprehensively evaluate all the usage of Alipay accounts. Different evaluation results will lead to interest rate fluctuations, and the specific interest rate must be based on the page. To put it bluntly, it is different according to the situation of using ants to borrow money!

Expanding information

Tips for reducing the interest rate of borrowing by ants

1. Increasing the number of borrowing by ants

Generally, the amount of borrowing by ants just opened is relatively low, around 2-15 yuan. With the increase of users' usage frequency and good credit, the quota will gradually increase, and the daily interest rate will decrease with the increase of the quota.

2. improve the sesame credit score. the higher the sesame credit score, the lower the daily interest rate.

We can often use some functions in Alipay, such as transaction, transfer and payment, to improve our sesame credit score.

3. Opening a Taobao shop

It is understood that many users with a daily interest rate of .15% have opened a Taobao shop, even though they have never sold anything on it.

4. Borrowing coupons

Learning to use borrowing coupons to subsidize through coupons will reduce a lot of interest. Everyone must pay more attention to this part, which is also the easiest part to operate. For new users, Alipay will issue coupons at random. Old users can search for ant members on Alipay's homepage, and use ant points to exchange flower garden bills for interest-free installments _! Why is the interest on my loan getting higher?

Nowadays, many young people have the demand for loans, and Ant Borrowing in Alipay is a popular personal credit loan product. Many Alipay users have opened Ant Borrowing and successfully obtained loans from it. Some users have reported that the loan interest has increased in the process of using Ant Borrowing. What's the matter?

the debit card in AliPay is a personal credit loan product, which can help friends who need funds to solve their financial problems quickly, but not all people can open the debit card. It is understood that at present, the debit card is opened by means of official invitation system, and only invited users have the opportunity to open the debit card. To become a profitable user, first of all, you need to complete the real-name authentication of your personal Alipay account, and the sesame credit score needs to reach 6 or more.

The user who opens the debit card can get a maximum credit line of 2, yuan, and the daily interest rate of the loan ranges from .15% to .6%. The specific loan amount and interest rate are determined systematically according to the user's personal qualification and personal credit status, and the amount and interest rate cannot be interfered manually. After the user opens the loan, the credit line and loan interest rate are not fixed. The system will evaluate the user's personal comprehensive credit status from time to time and adjust the loan line and interest rate according to the evaluation results.

The interest rate of the ant loan directly affects the loan interest of the loan. If the user's ant loan quota becomes higher, there may be the following situations:

1. There have been overdue in the process of using the loan. If the borrower has failed to repay the loan on time and has been overdue before, the loan system may increase the borrower's loan interest rate because of the poor overdue when comprehensively evaluating the user's personal credit qualification.

2. In addition, if users often use borrowing, the loan interest rate may also rise. Generally speaking, normal use of borrowing and timely repayment can accumulate personal credit, which is helpful to reduce the loan interest rate. However, if users often use borrowing function, the system may think that the borrower's recent economic situation has problems and the possibility of overdue is relatively high. In order to control risks, borrowing may increase the borrower's loan interest rate.

Generally speaking, the borrowing interest rate is related to the borrower's qualification and the use of borrowing. It is suggested that you should not blindly apply for a loan at ordinary times, and repay it on time after using borrowing, which will help reduce the loan interest rate of borrowing by ants. Excuse me. What's with the higher interest rate? How to reduce the interest on borrowing

A credit loan product commonly used by many borrowers has been launched by Alipay, and any Alipay user who meets the requirements can apply. Recently, some users have said that their borrowing interest is getting higher and higher, which is much higher than when they first applied. What's the matter? Is there any way to reduce the interest on borrowing?

If the interest on the loan is getting higher and higher, it means that the borrower gets a lower score when making an irregular comprehensive evaluation of the loan, which is mainly caused by the following reasons:

1. There has been overdue repayment. If you have overdue repayment when using the loan, it will affect your credit score. At the same time, if you have borrowed money from other platforms and it is overdue, it will directly affect your score, so you must pay attention to repayment on time.

2. The personal account is unstable. Frequent modifications of your Alipay account information and mobile phone number authentication will be judged as risks by the system, which will naturally affect the comprehensive score and lead to higher interest;

3. The repayment ability is insufficient. If the interest is currently in arrears and the income situation is unstable, you will be worried about your repayment ability when you are tested, which will be accompanied by an increase in interest.

Therefore, to sum up, if you want to reduce the interest after it is raised, you can only improve your comprehensive score by improving your credit situation and repayment ability. The specific tips are as follows.

1. Ensure account stability and improve personal data. Use Alipay stably, make as few changes as possible to the binding of mobile phone number and bank card, and at the same time make more transactions and payments. In addition, you can also improve your social security, provident fund, education and other information in Alipay, and you can also bind the garage to improve your repayment ability and sesame credit score.

2. conduct financial management in AliPay. If conditions permit, you can buy a wealth management product that suits you, so that Alipay can see your repayment ability, which will help reduce your borrowing quota.

3. Improve the sesame credit score. Sesame credit score is a very important indicator in Alipay. All loan products of Alipay are directly linked to sesame credit. Generally, the higher the sesame credit score, the higher the loan amount you can apply for and the lower the interest rate. We can participate in activities on the Sesame Credit Sub-page, or return the credit card through Alipay, and use * * * to enjoy the leased products to improve our sesame score.

The above are some related introductions about the interest rate of borrowing money will increase and decrease. You can refer to it, find the root cause according to your actual situation, and then solve the problem with the right medicine to achieve the ultimate goal of reducing interest rates. Why is the borrowing interest rate higher

The borrowing interest rate is not fixed, and the system will adjust it according to the borrower's comprehensive credit qualification.

overdue: if the user is overdue when repaying the loan before, the credit of the account will definitely be affected. Sesame score may drop as a result, and there will be bad records on credit reporting. However, the system may reduce the amount of users' borrowing due to credit problems and increase interest.

unstable account: if the user always changes the account information, such as changing the contact number and the delivery address of Taobao, it will bring an unstable feeling to the system. And if the system thinks that the account is unstable, it may raise the interest rate of borrowing. In addition, it is also possible to reduce the amount of borrowing.

Extended information:

Note:

If it is a single prepayment, only part of it can be repaid, but if it is a multi-loan prepayment, all of it must be settled.

if the amount of prepayment is large, in order to avoid the limit of repayment amount, you can use the online merchant bank express card to make repayment.

the interest of borrowing money from ants is charged on a daily basis. If the loan is repaid in advance, the interest will only be charged for the actual days of use. If the handling fee is charged, the page display shall prevail. There is still interest on early repayment by ants, and the interest is charged according to the actual number of days of use. In addition, because a single loan can be repaid in full or in part in advance, the calculation method of repayment interest will be slightly different.