2. Taobao loans include: order loans and credit loans. What kind of loan do you need? Click "Apply Now" to make an order loan, which is one of the products of Taobao loan. Its main service target is the seller of Taobao. As long as the Taobao seller meets certain conditions and the seller currently has a qualified order of "the seller has delivered the goods", he can apply for an order loan from Taobao, and the successful loan will be directly distributed to the applicant's personal Alipay account.
Order loans must first meet the following requirements:
1) registrant/kloc-Taobao seller who is over 0/8 years old and has full civil capacity;
2) Taobao stores have been operating effectively in the last two months, with effective trading volume every month;
3) Honest and trustworthy, and the store has a good credit record.
There are three repayment methods for order loan:
1) Automatic repayment by the system: after the general order transaction is received, the system will automatically deduct the corresponding amount from Alipay for repayment (in case of store fluctuation or refund, the system may automatically deduct the amount);
2) Repay the loan in advance: If there is no capital demand within the loan term, you can also repay the loan in advance manually, and pay off a loan at one time or in part;
3) Overdue repayment: when overdue, the system will automatically deduct the account balance.
In the Alipay revenue and expenditure details, the transfer is displayed, and the remarks show the withholding (purpose of deduction: repayment of market orders+figures).
Credit loans don't need mortgage or guarantee, and they depend entirely on the owner's credit to get loans. The shopkeeper doesn't need to provide any mortgage.
Note that the owner's credit rating is loan credit rating, not Taobao transaction credit or Star Diamond rating.
The conditions for applying for a credit loan are:
1) Taobao Store has been operating effectively in the last 6 months, with effective monthly transaction volume and good operating conditions;
2) Honest and trustworthy, and the store has a good credit record;
3) Store registrant 18-65 years old, with full capacity for civil conduct.
Credit loan repayment:
The current term of credit loan is 6 months, and the term is 12 months. Repayment methods with a term of 3 months and 6 months: daily interest, regular interest, and repayment of principal and interest when due; Only the loan interest needs to be paid in the first few months, and the principal and the last interest need to be paid in the last month; Repayment method with a term of 12 months: repay the loan principal in a fixed amount every month, and pay the actual interest generated in the current month, and return the remaining loan principal and interest on the loan maturity date.
Automatic repayment: Under normal circumstances, you only need to ensure that the balance of Alipay account is sufficient on the repayment date of each month, and the system will automatically deduct the repayment amount of the current month from Alipay or the balance value-added service without manual operation.
Repay the loan in advance: according to the actual situation, you can choose to repay the loan in advance. Just enter the prepayment page and enter the loan amount you want to repay, and you can complete the repayment operation. (Prepayment fee for credit loans with a term of 12 months: 1-3 (inclusive) loan prepayment generates 2% prepayment principal, and 4-9 (inclusive) loan prepayment generates 1% prepayment principal. )
Extended data:
Taobao is a large-scale online retail and business circle in the Asia-Pacific region, which was founded by Alibaba Group in May 2003. Taobao? [ 1]? It is a popular online shopping and retail platform in China, with nearly 500 million registered users and over 60 million regular visitors every day. At the same time, the number of online goods has exceeded 800 million every day, with an average of 48,000 items sold every minute.
By the end of 20 1 1, the daily turnover of Taobao reached 4.38 billion yuan, creating 2.708 million direct and sufficient employment opportunities. With the expansion of Taobao's scale and the increase of users, Taobao has also changed from a single C2C online mall to a comprehensive retail business circle including C2C, group purchase, distribution and auction. At present, it has become one of the global electronic commerce trading platforms.
The parties of 201March 6 15 and 3 15 were exposed, and Taobao merchants cheated consumers by swiping their bills.
On March 29th, 20 16, Zhang Yong, CEO of Alibaba Group, defined the strategy for Taobao's future: community, content and local life are the three major directions.
In March of 20 18, official website of Beijing Consumers Association showed that Beijing Consumers Association bought four comparative test samples from Taobao in 20 17, of which 1 did not meet the standard, and the unqualified rate was 25.0%.
On August 8, 20 18, Alibaba Taobao revealed that it would enter the field of MR (mixed reality) shopping, and a product-Taobao Buy it-will be launched at the 20 18 Creation Festival.
Baidu Encyclopedia: Taobao