After the online merchant repays the loan in advance, the system will evaluate the borrower according to the borrower's usage, personal credit information and liabilities. If the applicant fails to pass the assessment, it will not meet the loan conditions of the online merchant loan, so there will be no quota after prepayment.
If you want to use the online business loan after prepayment, don't overdue it during the period of using the online business loan, and always keep a good personal credit report and reduce personal debt, so that you can have a quota after prepayment, otherwise it will be difficult to have a quota.
Online merchant loan is a loan product launched by Alibaba's online merchant bank, which can be applied through Alipay or online merchant bank APP. Online merchant loan is very popular once it is launched, and it belongs to the same type of loan as ant loan. However, ant loans mainly provide loans for buyers, while online business loans mainly provide business loans for sellers, which is simple and fast.
Online merchant loan is the product of the original ant micro-loan and Ali micro-loan platform, focusing on loan financing services for small and micro enterprises, individual consumers and rural users. It is pure credit, unsecured and can be repaid at any time within a maximum of 24 months.
Loan amount: up to 2 million.
Loan term: 24 months at most.
Loan interest rate: the daily interest rate is 0.0/kloc-0.6%-0.047%.
Apply for credit: Yes, check the credit on the credit.
Payment speed: receive the application immediately, and pay in 3 seconds at the earliest.
Application entrance: Alipay APP, online merchant bank APP.
Application conditions: at least 18 years old, individual Taobao Tmall user, good credit record and good store operation.
Online commercial loan quota
Judging from the official information of online business loans, the maximum amount of online business loans is not clearly stated, and the specific credit line needs to be based on the page display. However, it is understood that online merchant loans mainly provide two borrowing modes, one is the express version, and the other is the standard version.
The maximum application amount for the express version is 500,000 yuan, while the maximum application amount for the standard version can be as high as 2 million yuan, but it is difficult to apply for this amount without solid assets. The amount of online commercial loans changes in real time according to the system evaluation. If used well, the amount will rise in the future.
Online merchant loan interest
It is understood that the loan interest of online business loans is 0.0 16%-0.047%, and the final interest rate is determined according to the user's qualification. Users with excellent general qualifications and successful online loan repayment can enjoy the daily loan interest rate of 0.0 16%.
Generally, the daily interest rate for applying for online business loans is around 0.035%. If the loan is 65,438+00,000 yuan, the daily interest needs 3.5 yuan. Compared with other similar loan products, the loan interest of online business loans is more conscience.