In order to obtain the interest-free quota, users can check it on the personal welfare page of Alipay online business loan. If it is provided by the system, it will be displayed directly. It should be noted that the interest-free amount of online merchant loans is mainly obtained through loans. Generally, every morning around 10: 00, the system will issue an interest-free amount according to the loan amount used by the user the previous day, which will expire at 24: 00 that day.
In other words, if you are an online merchant to borrow money, you can go to the personal welfare interface to inquire about the interest-free quota the next day. Generally speaking, the more you borrow, the more you get. In loans overdue, the interest-free line is suspended until the overdue loan is paid off.
Because the interest-free line of online business loans is given after systematic evaluation, people can't intervene forcibly or apply actively. If the system does not provide it temporarily, users can only patiently accumulate good credit.
Interest-free quota of online merchant loans means that users can get interest-free concessions by using part of the quota. For example, if the user has an interest-free coupon of 10000 yuan, 1 day, the interest of 1 day can be reduced by borrowing 10000 yuan. In short, interest-free means interest reduction. The longer the interest-free period, the better for users, because it will reduce the borrowing cost. Only online merchant loans during the event will provide interest-free quotas. Generally speaking, the user's loan amount will bear interest on a daily basis, and there is no preferential interest reduction.
1. How to use the interest-free line for online business loans?
1. The interest-free line of online merchant loans is mainly used for interest-free exchange. After entering the online merchant loan, click My Welfare at the bottom to see the interest-free amount of the online merchant loan. Click Use and follow the prompts. After redeeming the interest-free coupon, the interest on the corresponding loan days can be reduced or exempted. Interest-free means interest reduction. The longer the interest-free period, the better for users, because it can reduce the borrowing cost.
2. When using the interest-free line, according to the loan demand, convert the interest-free line into interest-free coupons, such as 10000 yuan interest-free line, which can be converted into interest-free coupons of "borrowing 10000 yuan 1 day" or "borrowing 2000 yuan for 5 days". The maximum interest-free limit for each exchange is 30,000 yuan, and the minimum is 500 yuan.
3. Under normal circumstances, the loans in online business loans are calculated according to the number of days, and there is no preferential interest reduction. Only online merchant loans will provide interest-free quotas during the active period. Users can pay more attention to online merchant loan preferential activities in official website, and get interest-free coupons or interest-free quotas by participating in them in time.
2. How long can the interest-free line of Alipay online merchant loans last?
Alipay online commercial loans will provide interest-free lines from time to time, and the validity period of interest-free lines received by different customers and different periods may be different, so the useful period is also different. One day interest-free, seven days interest-free, fifteen days interest-free and so on. For example, if there is an interest-free day, customers can apply for a loan after receiving the interest-free quota, which can only be used for one day. There is no interest on the day, only the principal needs to be repaid. But after a day, it will be invalid, and then interest will be charged as usual. (Loans applied for before receiving the interest-free quota will still receive interest, and will not be interest-free. Therefore, customers must use the interest-free quota in time after receiving it, so as not to use it after the expiration date.