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Alipay (China) Network Technology Co., Ltd. is a domestic third-party payment platform, which is committed to providing "simple, safe and fast" payment solutions.
The difference between micro-loan, loan and ant micro-loan
Small micro-loans, lending treasures and ant micro-loans are all products of Alipay, but do you know the specific differences between them?
1, Alipay micro-loan
The loan projects supported by Alipay microfinance are divided into four categories: average fund (12 months), order loan, loan with loan (3 months) and loan with loan (6 months). Different loan types need to meet different application conditions.
2. Alipay borrows money
Borrowing is a consumer credit product under Ant Microfinance, which does not need to provide mortgage guarantee, just like unsecured loans of banks. Users with sesame scores above 600 will be eligible to apply for a loan line of 1000 yuan to 50,000 yuan. The longest repayment period is 12 months, and the daily loan interest rate is 0.045%. The amount applied by users can be transferred to Alipay balance, just like a loan obtained from a bank. Can be withdrawn.
3. Ant Microfinance
Ant micro-loan is the original Ali micro-loan. Ali Small Loan is a microfinance division under the Small and Micro Financial Services Group (to be established), which mainly provides microfinance services for small and micro enterprises and individual entrepreneurs. At present, Ali Finance has established an Ali loan business group for small and micro enterprises on Alibaba B2B platform, a Taobao loan business group for small and micro enterprises and individual entrepreneurs on Taobao and Tmall platforms, and launched small loan products such as Taobao (Tmall) credit loan, Taobao (Tmall) order loan and Ali credit loan. As of February 20 14, the number of small and micro enterprises in Ali financial services has exceeded 700,000.
When applying for a loan, the materials that the lender needs to prepare are divided into the following categories:
1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials;
2. Provide proof of stable income source: bank flow sheet, labor contract, etc.
3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates;
4. Other information stipulated by the bank.