What is the minimum amount for opening an account?

There is no specific minimum amount for opening a loan account. The amount is comprehensively evaluated according to your account situation and varies from person to person.

As can be seen from the reference materials, "borrowing money" is actually a loan service launched by Alipay, and the current application threshold is sesame credit score of 600 or above. Depending on the score, the loan amount that users can apply for ranges from 1 0,000 yuan to 300,000 yuan, and the longest repayment period is 1.2 months.

Extended data

Service Introduction

Borrowing is a loan service launched by Alipay. At present, the application threshold is more than 600 points for sesame seeds. According to different scores, the loan amount that users can apply for ranges from1000-300,000 yuan. The longest repayment period of the loan is 12 months, and the daily interest rate of the loan is 0.045%, which can be repaid with the loan.

At present, the consumer loans launched by e-commerce giants are mainly aimed at the stages of consumption scenarios of this e-commerce platform. However, with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. The following is the actual experience of increasing the quota:

1, deposit the balance treasure or lucky treasure (regularly), and deposit 15000+ money, which can be spent after basically 10, usually at1-10;

2. Download the online merchant bank app on your mobile phone, and then save it in your computer. 10,000+deposits can basically lend 10,000 white+online merchant bank consumer loans in one month;

But there are still netizens who spit out Uncle Ma Yun; One reason why I am not optimistic about these internet companies engaged in finance is that they have no experience in receiving users who can't even tell the difference between interest and handling fees.

This part of the business naturally has an impact on similar businesses of banks. After all, the scale of several major Internet giants is there. But not every industry is suitable for the Internet. The amount is too low to repay the principal in installments, which is a bit tasteless and doomed to be difficult to replace the position of traditional finance.