There are eight main types of loans for Alipay, besides the familiar ant flowers and borrowings, there are also life (good loans), interesting installment loans, order loans, traffic loans, IOUs and corporate loans. These eight kinds of loans are relatively formal, and the most used ones should be flowers and loans.
The first type: borrowing loans.
When ants borrow money, the maximum loan amount can be as high as 50 thousand, the daily interest rate is 0.04%, the interest rate is low, and the loan operation is simple, just fill in the loan amount and loan term, and the loan speed is faster.
However, not all ants can borrow it. You need a good reputation, with sesame score above 600. Most of Alipay's products are linked to sesame seeds. If you want to open a loan as soon as possible, you need to have a good reputation.
The second type: recruiting life? long-term loan
Alipay's loan requires sesame to score more than 600 points, and this loan is no exception. This loan service is hidden in Alipay's sesame credit. People who want to apply for a loan must meet a prerequisite. Sesame credit score above 600 points is eligible to apply. okay
The loan amount of a term loan is about 2,000 to 50,000 yuan, and the loan period is also calculated on a monthly basis. You just need to click on Credit Life at the entrance of Sesame Credit, find a good term loan and fill in the application.
The third type: college students' welfare-fun staging.
Interesting staging is a kind of loan specially provided for college students. Because college students can't earn money at present, they can enjoy 30 days interest-free loans. As long as the score is above 600, you can apply for interesting installment, and the loan amount is 2500 yuan.
The fourth kind: ant flowers that everyone must have.
The loan amount of Huabai is between 2500 and 30000 yuan, which can be raised through credit points. It can be said that it is an essential ant garden for everyone. It is a common loan method for everyone to enjoy consumption first and then repay.
The fifth type: Taobao order loan
The daily interest rate of Taobao order loan is low, about five ten thousandths. If you have good credit, you can apply for a loan if the sales volume meets the requirements for two months.
Order loans are not as high as other loans. As long as the conditions are met, the order loan is the gospel of Taobao shop.
Sixth: Flow loan
The loan amount of traffic loan is about 20-65438+10,000, and the loan success rate is high. Mainly help small and medium-sized entrepreneurial websites. Alibaba not only pays attention to its own development, but also helps its peers.
The seventh type: IOU-is the IOU service of Alipay (the service has been cancelled at present).
Like other Alipay loans, IOU loans require a sesame credit of over 600 points, but there is another requirement: the lender is required to be over 22 years old, the loan amount is about 1 to 20,000, and the loan interest rate is not as high as above.
Eighth: corporate loans
Corporate loans require that the lender must be a legal person, because corporate loans are issued to the personal account of the legal person, and the maximum loan amount is 654.38+00,000.
These eight kinds of loans are relatively formal, and the most famous ones should be ant flowers and borrowing.
Most Alipay loans need to reach 600 points or more, so it is very important to maintain good credit. If you need a loan, I suggest you apply for a loan from a bank or Alipay, which is safer and more reliable with a lower interest rate.