What is the first application limit for Ant Borrowing? As low as 1,000 and as high as tens of thousands

The first application limit for Ant Borrowing is different. Everyone has different credit qualifications and the initial limit is also different. For example, if some people just meet the requirements for opening a loan and have average credit qualifications, the first application amount may only range from one thousand to several thousand yuan. For users with good credit qualifications, even if they apply for the first time, they may get a credit limit of tens of thousands.

The initial amount of the first application for Ant Borrowing

Because the loan limit for Ant Borrowing ranges from 1,000 to 300,000 yuan, the loan amount is completely determined by the system independently, so here is Let me analyze the reasons for obtaining the following quota when applying for the first time.

1. First-time application amount: more than 1,000 yuan but less than 10,000 yuan

Reason: The user just meets the conditions for opening Ant Borrowing, and the system determines the personal credit qualification as an ordinary user, that is, a loan Users with low demand and average repayment ability.

2. First-time application amount: more than 10,000 yuan

Reasons: The user has a high Zhima credit score and has long-term use of Alipay products such as Huabei and Yu'ebao. At the same time, the user's personal information is complete and If you have good credit qualifications, you can get a loan amount of tens of thousands when you open it for the first time.

How to increase the initial limit of Ant Borrowing

1. Complete personal information, such as academic certificates, property certificates, etc. This will help improve Zhima Credit Score. Higher Zhima Credit The points will help the system automatically increase the amount.

2. Frequently use Ant Borrowing, use Ant Borrowing multiple times within the current borrowing amount, and repay the loan on time. In this way, the system will judge the user's borrowing behavior as a needy user and proactively Give users a raise.

3. Take the initiative to apply for a limit increase. If the limit you apply for for the first time is too low, you can take the initiative to raise the limit yourself. On the borrowing interface of Ant Borrower, click Increase the limit to perform the automatic limit increase operation. .

4. Use Alipay more. Alipay is used for online consumption, offline consumption or living expenses such as recharging phone bills, paying water, electricity and gas bills. The system will determine that the user is an active user and has assets. The situation is better, so we proactively help users increase their quotas.

The first application limit for Ant Borrowing does not represent the final loan limit. Even if the first application limit is only 1,000, the limit can be increased through a series of loan increase methods. However, it should be noted that increasing the limit does not mean that everyone can borrow money at will, otherwise excessive overdraft consumption will sooner or later suffer the consequences.

What is the general limit of Ant Huabei?

The initial amount of Huabei generally ranges from 500 to 50,000.

Huabei targets different groups of people and has different initial quotas. The initial quota of Huabei for students is generally about 500-6,000 yuan; for office workers, the initial quota of Huabei is about 1,000-10,000 yuan; for users who frequently use Alipay, have high Sesame scores, and complete personal information, the initial Huabei quota is usually between More than 10,000 yuan.

Huabei is a consumer credit product launched by Ant Financial in April 2015. After applying for activation, users can obtain a consumption limit ranging from 500 to 50,000 yuan. When users are consuming, they can prepay Ant Huabei's credit and enjoy the shopping experience of "spend first, pay later". The Ant Huabei consumer credit asset-backed securities project was listed for trading on the Shanghai Stock Exchange on August 4, 2016, becoming the first Internet consumer finance ABS on the Shanghai Stock Exchange.

The quota is provided based on the records you have accumulated on the platform. Because your various behaviors on the platform are dynamic and changing, the corresponding quota is also dynamic. When your behavior is good within a period , and it complies with the quota increase policy, the corresponding quota may be increased, otherwise, the quota may be reduced, or even limit the permission to use the service. This will also have an impact if Ant Huabei is closed, and the amount may change or it may no longer be available.

Ant Huabei teamed up with Alipay to launch the electricity bill withholding function in 7 provinces and cities.

Relying on the public utility payment platform launched by Alipay, Ant Huabei is expected to provide users in 20 provinces, municipalities and autonomous regions with withholding services for water, electricity, coal, and cable TV bills in 2020. This year, Ant Huabei has penetrated into multiple offline scenarios. After launching medical installment payment last month, Ant Huabei has entered the field of life payment, with sales in 7 provinces including Zhejiang, Shanghai, Tianjin, Chongqing, Hubei, Shenzhen, and Jilin. The city launched the electricity bill withholding function and explored consumer finance based on life service settlement scenarios.

Data from Ant Financial show that among the users of Ant Huabei service, more than 60% have not enjoyed consumer credit services before. After merchants connected to Ant Huabei, their sales increased by an average of 23%. Ant Jiebei has granted loan lines ranging from 1,000 yuan to 300,000 yuan to more than 30 million Alipay users.

How much is the amount usually required to open Ant Borrower?

Generally speaking, the minimum amount required to activate Ant Borrower is 1,000 yuan. In fact, the amount borrowed by Ant is comprehensively assessed based on the account status of Alipay users. When opening Ant Borrowing, everyone’s initial limit is different.

How much is the amount usually charged for opening Ant Jiebei

Ant Jiebei is a loan service launched by Alipay. Its biggest feature is that it can be borrowed and repaid at any time, and the daily interest rate of the loan is 0.045 . In other words, after signing the contract, you can also repay the loan in advance if you want.

If you repay in advance, the interest incurred will be less than if you repay on schedule. In addition, the maximum repayment period of Ant Borrowing is twelve months, and the repayment period must be selected when applying for a loan.

Generally speaking, the conditions for opening Ant Borrowing are users aged 18-60 who have an Alipay certified account, have a normal Alipay status, and have a Sesame credit score of over 600 points.

The loan application amount for Ant Borrowing is between 1,000 and 300,000 yuan. In other words, although everyone’s initial limit is different due to different account conditions, what we can know is that the minimum limit of Ant Borrowing is 1,000 yuan.

It should be noted that after borrowing money on Ant Borrowing, you can repay it in advance, but you must repay it on time. If the loan is overdue, it will not only be reported to the credit reporting system, but the user's borrowing limit will also be reduced.

What is the general limit of Ant Borrowing?

Ant Borrowing is a loan service for personal consumption. Users can borrow money directly on Alipay. Only users with a sesame score of 600 or more have the opportunity to open Jiebei and apply for loans ranging from 1,000 to 50,000 yuan. The specific amount is determined by Zhima Credit score, which is mainly scored from five aspects: identity characteristics, behavioral preferences, contract performance capabilities, personal relationships, and credit history. Usually the amount borrowed by Ant Bei ranges from a few thousand yuan, and those with better qualifications can exceed 10,000 yuan.

How to activate Ant Borrowing: 1. Install Alipay wallet on your mobile phone, open the Alipay wallet homepage, select the wealth function key at the bottom to enter the wealth function page. 2. On the function key page, you can see the functions of Sesame Credit. Click to enter the Sesame Credit page. 3. On the Sesame Credit page, you can see the Sesame Credit score displayed. Click the Credit Life button at the bottom to enter the page. 4. Click on the credit life at the bottom to open the credit life of Zhima Fen. You can open financial services through Zhima Credit - Borrowing. Click to borrow the service. Enter the Jiebei loan page.

This is the end of the introduction about the amount of Ant loan and the amount of Ant loan. I wonder if you found the information you need?