When applying for a loan, Alipay needs to fill in the supplier, so as to supply the funds to the supplier's account and ensure that the borrower will use the loan funds for purchase, production and operation, instead of letting the funds flow into the stock market and real estate.
Therefore, customers only need to use the loan funds to purchase or update business equipment, pay the rent of the leased business premises, decorate the commercial premises, and turn around the working capital according to regulations.
The purpose of the loan is to pay the supplier's payment, which is also to control the risk, so the money will be required to be credited to a third-party account, which can prevent some customers from deliberately defrauding the loan and using the loan funds for personal consumption.
And if the customer can't provide a supplier when applying, then he can't borrow money. For example, many banks will require customers to upload consumption vouchers, and this is also the case. If the customer can't upload the compliant consumption voucher, the bank is likely to terminate the contract in advance, require the customer to pay the money in one lump sum in advance, and may also need to pay liquidated damages.
Extended data:
Online merchant loan is a formal lending platform, which belongs to the lending platform of online merchant banks. The full name of online merchant bank is Zhejiang Online Merchant Bank Co., Ltd., which is one of the first batch of pilot private banks in China and officially opened on June 25, 2005. Provide services for small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions.
Online merchant loan is a pure credit personal loan, with the longest repayment period of 12 months, and the interest is calculated on a daily basis during the loan period, which is different from Alipay flower buds and very similar to borrowing flower buds. At present, many users have launched this service. You must repay the loan on time, or you will have a penalty interest.
Apart from interest, if you repay the loan on time, there will be no other expenses; If the loan is repaid in advance, a handling fee may be charged for repaying the principal in advance; If the loan is repaid in advance, the corresponding penalty interest will be charged, and the penalty interest will be calculated and charged daily at 0.5 times of the normal interest rate of 65438.
There is no grace period for online merchant loan repayment, at least the official has not given it. Therefore, as long as the online merchant loans overdue, it is necessary to pay attention to this point, and every loan will go to the credit information system. Therefore, when using online merchant loans, it must be repaid on time, and credit stains will appear after the deadline.
How to borrow online commercial loans?
1. After entering the personal page of the third-party payment platform, click "Online Business Loan";
2. If it is the first time for users to use online business loans, they need to agree to the relevant services first, and then authorize them to obtain loan quotas and loan interest rates;
3. Before borrowing money, the user needs to pass the video verification and complete the corresponding action in front of the camera.
4. Just enter the loan amount and loan term;
5. The loan amount will be transferred to the personal platform account and can be withdrawn to the bank card.
The above is how to borrow online commercial loans.
Matters needing attention in online commercial loans
Users of online business loans should pay attention to that when making personal loans, they can only choose 12 to pay back the money in installments, and then they can pay back the money at any time, and deduct the loan interest on a daily basis. Users with other deadlines cannot choose by themselves. If the borrower has enough assets, he can enter the online commercial loan to repay the loan in advance. In addition, there is no way to choose the repayment method of online merchant loans. When a personal loan is made, the platform will fix the repayment method of the loan and repay the principal in equal amount, and the monthly repayment amount will gradually decrease.
How do enterprises open online commercial loans?
The opening of online business loans for enterprises, taking Alipay online business loans as an example:
Operating environment:
Brand model: iPhone 13
System version: iOS 15.3. 1
Application version: v 10.2.56
First, open the homepage of Alipay client, click on mine, and find the online business loan;
Second, if you can't open Alipay and directly search for online commercial loans, you can come out;
Third, apply for a loan, fill in your information in order, and finally click OK to use it.
Zhejiang E-commerce Bank Co., Ltd. is one of the first batch of pilot private banks in China, which officially opened on June 25th, 2065438.
With inclusive finance as its mission, online merchant banks hope to use the technology, data and channel innovation of the Internet to help solve the problems of financing difficulties, expensive financing and insufficient rural financial services for small and micro enterprises, and promote the development of the real economy.
Online merchant bank is the first bank in China to build its core system on the financial cloud. Based on the financial cloud computing platform, online merchant banks have the ability to handle high concurrent financial transactions, massive big data and flexible expansion, and can provide financial services to more small and micro enterprises by taking advantage of the Internet and big data.
The online merchant bank is positioned as the preferred financial service provider for online merchants, the explorer of Internet banking and the practitioner of inclusive finance, providing services for small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions.
Alipay online business loan application conditions are as follows:
First of all, Alipay has real-name authentication.
2.65438 years old +08-65 years old Chinese mainland citizen.
The third is identity: small and micro enterprise operators, self-employed, entrepreneurs, etc.
The above three should be available at the same time.
Ali online business loan application conditions:
First, the sesame score should be above 600.
Second, you must have flowers to borrow, that is, online business loans.
Third, if your sesame score exceeds 600. And flowers. Then you open the computer version of Alipay to see if you are invited to open it. If there is, it will be opened.
Online merchant bank loan account opening conditions:
1. international station paying member.
2. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, aged between 18-65, and a Chinese mainland resident who has settled in China for a long time.
Third, industrial and commercial registration is in Chinese mainland.
Fourth, industrial and commercial registration time = 1 year; Total sales in recent 12 months = 100 w
Five, the company can not change the legal representative (professional) and main business within one year.
Six, there have been non-seasonal production in the past year, can not apply for loans.
How to open online commercial loans?
To open online merchant loan, you need to open the homepage of Alipay client, click on My, then find online merchant loan (if you don't have online merchant loan, you can open Alipay and directly search online merchant loan), then apply for loan, fill in your information in order, and finally click OK to use it.
First, how to open online business loans?
Whether the online merchant loan (original ant loan) can be opened will be evaluated by the system according to the usage of your account. You can confirm whether you can apply for opening a loan according to the following operation path. The steps are as follows:
1. Open the homepage of Alipay client, click on mine, and find the online merchant loan;
2. If you can't open Alipay and directly search for online merchant loans, you can come out;
3. Then apply for a loan, fill in your information in order, and finally click "OK" to use it.
Two, what conditions can open online business loans?
Alipay online business loan application conditions are as follows:
1, Alipay has real-name authentication.
2.65438 years old +08-65 years old Chinese mainland citizen.
3. Identity: small and micro enterprise operators, self-employed individuals, entrepreneurs, etc.
The above three should be available at the same time.
Iii. Conditions for opening Alipay online commercial loan:
After upgrading Alipay, open online merchant bank or online merchant loan, if possible. Online business loan is a pure credit personal business loan in Ali system. It has no mortgage, no guarantee, and the interest rate is much lower than that of similar products in the market. If the sesame score exceeds 600, you will have the opportunity to apply for a credit loan of 1.0000-0.20 million.
What are the application conditions for Ali Online Commercial Loan?
1. First of all, the sesame score should be above 600. You must have flowers to borrow, that is, online business loans. 3. If your sesame score exceeds 600. And flowers. Then you open the computer version of Alipay to see if you are invited to open it. If there is, it will be opened.
4. What are the conditions for Alipay online merchants to open bank loans and how to open them?
Online merchant bank loan account opening conditions:
1, paying member of international station.
2. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, aged between 18-65, and a Chinese mainland resident who has settled in China for a long time.
3. industrial and commercial registration is in Chinese mainland.
4. industrial and commercial registration time = 1 year; Total sales in recent 12 months = 100 w
5. The company cannot change its legal representative (specialist) and main business within one year.
6. If there is non-seasonal shutdown in the past year, you can't apply for a loan.