Many Alipay users' loan pages show that they are "qualified for credit loans", so they think they can borrow money through Huabai, but this is not the case. After all, the flower garden quota itself can only be consumed, and it is impossible to withdraw cash. However, if the user qualification in Bai Hua is good, Alipay can provide loan channels for other products. So, did Bai Hua show that you can get a loan if you are qualified to borrow? Let's have a look.
Bai Hua proves that you are qualified to apply for a credit loan. This credit loan refers to borrowing money, which is a cash loan product on Alipay. After borrowing money, the system will give you a loan amount, within which you can apply for cash withdrawal and transfer the money to any bank card in my name. You can withdraw money or use a credit card.
However, Bai Hua showed that being eligible for a loan does not necessarily mean that you can get a loan.
There are two situations here: one is whether you can open a debit card, and the other is whether you can withdraw cash after opening a debit card.
1. Can I open a loan?
This means that no loan has been made before. If the flower bud page is eligible for a credit loan, it means that there is a chance to blossom, but it will not open. Don't misunderstand me.
After all, flowers and loans are two different products. Their properties are different, and the conditions of use are naturally different. However, what can be opened is generally Alipay's high-quality customers. Of course, whether it can be successfully opened depends on the comprehensive evaluation of the system, and manual intervention is impossible.
2. Can you withdraw cash by borrowing money?
After the loan is opened, you can withdraw it as long as there is a quota. However, when applying for withdrawal, the consent of the investor is required every time.
But it's not just ants that issue small loans, but also other cooperative financial institutions. Some of them will check the user's credit information and then decide whether to lend according to the user's current account and credit status. If the user used to be qualified, but now the qualification is not good, it may be rejected.
But what is certain is that if you want to open or use loans, the premise is that you must have good credit and improve the activity of Alipay. For example, you should spend more money, bind credit card repayment on Alipay, pay utilities on Alipay, buy wealth management products, and make friends with some users with good credit cards.
What do you mean, you can borrow money below Huabai?
The appearance of borrowing money under the flower bud shows that you are qualified to use the flower bud, and you can open it and use it.
Flowers are similar to credit cards. After opening, you can get a consumption quota, which can be used for payment, but you can't withdraw cash. After using the flower buds, you can choose to pay by installment or shop by installment.
Can I borrow money from Bai Hua?
First of all, answer directly.
Users use flower buds, so flower buds lend money to users, but money is not cash, but only lent to users for consumption.
Second, the specific analysis
Flower buds themselves belong to micro-credit loan products. As long as the user uses it, it is equivalent to borrowing money from Huabai.
Of course, if users need cash, they should apply for a loan. Borrowing money is different from spending money. Borrowing money can be used.
Bai Hua, if you break the rules, tx.
After system testing, in addition to requiring the user to return all the arrears at one time, the Huayuan account will be closed directly if the circumstances are serious.
If you want to query the online loan data report, you can check it: Xiaoqi Credit Search, which can check the user's application times, online loan data, online black index score, hit risk warning, court prosecution information, arbitration case information, dishonesty information and other data. And the queried data is very accurate and comprehensive.
Third, how to open the flower garden to borrow money?
Bai Hua does not provide loan services, so it is impossible to open the loan function.
Moreover, flower beds can only be used for consumption and cannot be transferred or extracted, so the quota cannot be used.
If tx is mandatory
If it is found by system inspection, due to tx
It is a violation of regulations, which easily leads to risk control and the subsequent use of flower buds is restricted.
If you are in urgent need of funds, you can apply for a loan in Alipay's loan room. Lending a house is a credit consumption loan product specially provided for you. The credit line1000-300,000, with a maximum of 40,000 for a single transaction. You can choose to borrow it for 3 months, 6 months, 12 months, or you can borrow it and return it. The daily interest rate will be between 1.5%-6%.
In addition, Alipay also has a reserve fund, the amount of which is divided into three grades: 100, 200 and 503, which will be automatically returned after seven days of withdrawal, or you can choose to repay in advance.
If you have a shop, you can also find an online merchant loan entrance in Alipay and borrow from it. Online business loans are entrepreneurial loans specially provided for small and micro enterprises and individual entrepreneurs.