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.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another.

This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.

Extended data:

Opening conditions:

1, real-name authentication is required.

Alipay has secondary authentication and must be authenticated, but in addition to the most basic real-name authentication, many people also need to authenticate some personal information, such as driver's license, real estate license and vehicle information, which is very helpful for the opening of ant borrowing.

2. High account activity

It is very helpful to use Alipay to pay frequently, use some small functions in Alipay, play some small games and improve the activity of the account. Only in this way can ants borrow it to open it. Many people's Alipay activity is not high, which is the key reason why many people don't have ants to borrow.

3. Sesame credit score also plays a great role in opening ant borrowing. If Sesame has a high credit score, it may not open the loan function. If the sesame credit score is low, it will definitely not open the ant loan. Therefore, it is necessary to improve our sesame credit score, use Alipay to buy goods, or participate in financial management, which will help improve our sesame credit score.

Baidu Encyclopedia-Excuse me

What is a loan and how to open it?

Borrowing is a loan service launched by Ant Financial. You can apply for a sesame credit score of 600 or more. You need to select Sesame Credit in Alipay and click Credit Life to open it. The specific steps are as follows:

1. Click to open Alipay.

2. After opening Alipay, click Me in the lower right corner.

3. Then find "Sesame Credit" and click Enter.

4. After entering Sesame Credit, click "Credit Life".

5. After entering the "Credit Life" page, click "All" at the bottom right.

6. Then find the "Borrow" icon in "More" and click Enter.

7. After confirmation, click "Use Now" to open the ant to borrow books.

Precautions:

1. If there is no credit limit page, the debit page cannot be opened.

2. Whether the loan can be opened is based on the comprehensive evaluation of the system, and manual application for opening is not supported.

3. Sesame credit score must be above 600.

4. The account status is normal and registered in real-name registration system.

5. The account has been bound with a savings card.

6. Need to bind the mobile phone number and mobile phone.

7. The loan amount that users can apply for ranges from1000-300,000 yuan.

8. The longest repayment period 12 months.

9. The daily interest rate of the loan is 0.045%.

10, which can be borrowed and returned.

Ante, excuse me. What is this?

Ant borrowing is a loan service launched by Alipay, and the application threshold is sesame score above 600. 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.

Consumer loans launched by e-commerce giants are mainly aimed at the consumption scene stage of this e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenes are also being launched one after another.

Extended data:

Precautions for use:

1. Repay on time. Borrowing money is the central bank's credit information. If the borrower fails to repay the loan on time, it will have a bad record, which will affect future loans and credit cards;

2, can only be used for consumption. Loans cannot be used for venture capital such as house purchase and stock trading, and can only be used for consumption purposes such as tourism, shopping and decoration;

3. The interest rate will change. The loan interest is calculated on a daily basis, and the daily interest rate is between 0.015% and 0.06%. The better the user credit, the lower the interest rate may be.

Baidu encyclopedia-borrow it

Excuse me. What is this?

Borrowing is a personal consumption loan service launched by Alipay. According to the purpose of each account, the approved loan amount and interest rate are different. The maximum loan amount is 300,000 yuan, and the daily interest rate range is 0.0 15%-0.06%, which supports prepayment and daily interest.

In addition, the loan amount is directly approved to the Alipay account and the bound bank card, which can be used for personal consumption, decoration and travel.