; ? With the rapid development of the Internet, online lending is nothing new. The diversification of lending products makes it more difficult for users to choose. It is certainly reliable to choose a lending institution with a large platform, but Alipay microfinance has gradually gained everyone's favor. So, what is Alipay microfinance? Let's take stock of it for everyone today.
It is understood that there are four types of Alipay micro-loan products, namely, borrowing by ants, borrowing a good term loan, borrowing by rice finance, and staging. Before applying for a loan, you need to reach a certain sesame score to apply:
1, ants borrow it: the application threshold is sesame score above 600. According to different scores, the loan amount that users can apply for ranges from 1000-50000 yuan.
2. Lending treasure: users with a sesame credit score of 650 or above can apply, with a maximum credit line of 200,000.
3. Recruit a good term loan: sesame credit score of 600 or above can be applied. After approval, the credit line will take effect immediately, with a maximum of 200,000 and a minimum of 0.03% for Japanese.
4. Staging: People with a sesame credit score of 600 or above can apply for staging, which can be handled by work permit, ID card and bank account. , which can support up to 500,000 loans.
Besides borrowing flowers, what other formal loans are there in Alipay? Can you borrow it?
Alipay is a "national" software, which includes the functions of food, clothing, housing, eating, drinking and having fun. Alipay's flower buds and borrowing buds are also two familiar functions, especially flower buds. Almost every user is a loyal fan of flower buds. Borrowing is familiar to borrowing users, and many users get financial support from borrowing.
However, no matter how much money is spent or how much money is borrowed, it is given according to the user's credit situation, and how much money is withdrawn is also a systematic comprehensive evaluation. Active cash withdrawal is not supported. It is inevitable that there will be times when you can't finish spending and lending. So besides borrowing flowers, what other formal loan products are hidden in Alipay? Is the threshold for opening high? Let's have a look.
1, loan+
Loan+is an upgraded version of loan, with a minimum amount of 50,000 yuan, specifically to meet the needs of customers with insufficient loans. The maximum amount is 300,000 yuan, the longest loan period is 24 months, and the daily interest rate is as low as 20,000 yuan. Alipay said that borrowing+is a series of products borrowed by ants, which are mainly used to meet the large capital needs of users at important stages of life, such as marriage and home improvement.
The borrower is Jiangsu Bank, and Alipay is the platform for mutual assistance and risk control of capital flow, and Jiangsu Bank is the real lender. Unlike lenders who borrow money, Chongqing Small Loan Company is different from Shanghai Pudong Development Bank. If the lender is a bank, the loan+is obviously a formal loan included in the credit management of the central bank, and the brand background can be assured.
2. Alipay reserve fund
As the name implies, the reserve fund is a "spare coin purse" provided by Alipay. The amount of the reserve fund is generally 500 yuan, and the service period is 7 days, that is, no interest will be accrued within 7 days, and interest will be accrued after 7 days. However, general new users can enjoy interest concessions when applying for the reserve fund. It should be noted here that when the reserve fund is returned, it needs to be returned in full, not in part.
How to open the reserve fund? Opening petty cash is relatively simple. Enter AliPay Ant Member, find the petty cash button, click Enter, and follow the prompts. Generally speaking, if Alipay is a gold member or above, you can open petty cash.
"Qianhua" is a credit service brand under Du Xiaoman Finance (formerly Baidu Finance) (formerly Baidu Qianhua, renamed as "Qianhua" in June 20 18). Money to spend-full of easy loans, can provide users with the maximum amount of 200,000, the daily interest is as low as 0.02%, and the loan interest 1 0,000 yuan starts from 2 yuan every day; Different from the white list opening mechanism of micro-loans, users need to provide their second-generation ID cards and bank debit cards for active application, and remind everyone to refuse to provide consumer loan services to college students. (Click here to test the consumption amount for free)
3. Online commercial loans
Online merchant loan is the original ant micro-loan and Ali micro-loan platform, focusing on providing services for small and micro enterprises, individual consumers and rural users. At present, online commercial loans have been opened in most areas of Chinese mainland.
These three models are all popular products of Alipay, which are different from the loan products cooperated with Alipay platform.
What are the similar loans?
Besides borrowing, there are many loans to choose from in the market. Borrowing users can certainly find suitable loan products as long as they choose reliable big brands. There are many similar loans, such as micro-loans, which have the money to provide loan products for individual consumers.
Micro-loan can be said to be a loan product comparable to that borrowed by ants, and its popularity is quite large. Backed by Tencent, it is a big-name product. It is the most popular and reassuring loan product besides borrowing. The maximum loan amount of micro-credit is 300,000 yuan, with daily interest rate of 0.05%, 1 10,000 yuan daily interest 5 yuan. Recycling, but also cash withdrawal, is very popular among young people at present, and can be found on QQ and WeChat.
What are Alipay's online loan products?
Alipay's online loan products are:
Bai Hua 1
A consumer credit product launched by Ant Financial can get a consumption quota ranging from 500 to 50,000 yuan after the application is opened. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying".
2. Sorry
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 12 months.
3. Online commercial loans
The online merchant bank is the first commercial bank in China whose core system is based on the cloud computing architecture initiated by Ant Financial as the major shareholder. It is one of the first five private banks approved by China Banking Regulatory Commission.
Extended data:
Ant Financial Services has sub-business segments such as Alipay, Yu 'ebao, Zhaocaibao, Ant Wealth, Online Merchant Bank, Ant Flower Shop, Sesame Credit, Ant Financial Cloud and Ant Guest.
Alipay, a subsidiary of Ant Financial, is a life platform based on everyone's real name and trust. From its establishment in 2004 to the end of 20 15, Alipay has reached cooperation with more than 200 financial institutions to provide payment services for nearly 10 million small and micro businesses, and the expanded service scenarios are also increasing.
Baidu Encyclopedia-Ant Jin Fu
Baidu Encyclopedia-Bai Hua
Baidu Encyclopedia-Excuse me
Baidu encyclopedia-online merchant bank
What loan products does Alipay have?
Alipay's loan products are:
1, ant flower. It's like an online credit card. If the sesame credit score is above 550 points, it can be opened and repaid in installments.
2. The ant borrowed it. The loan is invited by Alipay system. If the credit qualification is not good, generally can't see the entrance.
3. Online merchants make quick money. This loan can be applied in the official account of the online merchant WeChat, and sesame seeds can be applied for more than 500 points. The amount is higher than the loan, with a minimum of 20 thousand and a maximum of 300 thousand.
4. Online commercial loans. Online business loans mainly provide business loans for small and medium-sized enterprises, and borrowers can find the entrance in Alipay "My".
For more information about Alipay loan products, please visit: See More.