Sesame credit is different from traditional credit data. Sesame credit data covers users' loan credit information, social relations, life payment services and so on. , which brings convenience for other institutions to audit user information. We know that the expected annualized interest rate of bank loans is slightly higher than that of online loans. What is the expected annualized interest rate of the loan based on sesame?
1, users with sesame score above 600 have the opportunity to apply for the "flower garden" quota, and they can use the "flower garden" to pay when shopping in Tmall and Taobao. Repay on 10 the next month after receiving the goods, without any handling fee. The maximum amount of "flower garden" that users can apply for is 30,000 yuan.
2. Users with sesame score above 700 have the opportunity to apply for a "good term loan" with a loan amount of 2,000 yuan to 1 10,000 yuan. The loan term is divided into 3 months, 6 months and 65,438+02 months, and the loan can be repaid at any time, with monthly interest. The repayment method is equal principal and interest.
3. Users with a sesame credit score of 600 or more can obtain a personal consumption loan of up to 50,000 yuan through "borrowing", and the expected annualized interest rate on the loan day is as you borrowed.
4. A good loan requires a sesame score of more than 700, and the daily interest rate of a good loan is as low as the expected annualized interest rate.
Is the sesame credit loan interest rate high? For example, you will understand.
Sesame credit loan is judged according to sesame credit, and the high amount of loan is the reason for its popularity. In addition to these, many friends also want to know if the sesame credit loan interest rate is high? I'll talk to you about this problem today.
Whether the interest rate of sesame credit loan is high or not depends on the individual's sesame credit score. For example, the sesame credit score is 78 1, and the daily interest rate of ants is four ten thousandths. Is the converted annual interest rate equal to the high interest rate of sesame credit loan? We can draw a conclusion by comparison.
We are all independent individuals. As for banks, we take China Merchants Bank's lightning loan as the representative. The daily interest rate of China Merchants Bank's lightning loan is three ten thousandths, which is equivalent to the annual interest rate of Internet credit loans. We are represented by Wanwei Loan and Ping 'an Loan. The daily interest rate of small loans is about 18%, and the daily interest rate of Ping An I loan is 36%.
You may be confused by the above figures. Let me give you an example. Xiaoming wants to borrow a loan of 10000 yuan for 12 months. Let's see how much interest he needs to pay.
It is not difficult to see from the above figure that the interest rate of banks is the lowest, followed by sesame credit loans and micro-loans, and the interest rate of Ping An I loans is too high.
To sum up: Is the interest on sesame credit loan high? This question depends on who to compare with. If compared with banks, the appropriate sesame credit loan has a high interest rate, but if compared with other products that are also Internet credit loans, the sesame credit interest rate is not high at all.
How much is the interest on sesame loan? Sesame sub-loan platform charges like this!
Now, sesame sub-loan is very popular in the credit market. Some people with poor credit information will choose the sesame sub-loan platform. So, what's the interest on sesame sub-loan? Today, I will give you a detailed introduction to the sesame sub-loan platform!
Different from the benchmark interest rate of bank loans, the interest charged by Sesame Sub-loan Platform is quite different. Generally speaking, the daily interest of people with good sesame seeds is around, and the interest of people with bad sesame seeds will be higher. Introduce the charges of several common sesame sub-lending platforms for everyone.
1, borrowed by ants
Ant lending is an authentic sesame loan platform, and the daily interest rate is generally around, and friends with sesame scores above 700 may be lower. The loan amount of ants is basically within 300,000 yuan, and the service period is 12 months.
2. Alipay reserve fund:
A micro-credit product, the amount is very low, only 500 yuan, the term, but because it is an interest-free loan, it is still very popular with borrowers.
3. Online commercial loans
Like borrowing, it belongs to Alipay platform, so you can learn about it. According to different user qualifications, the maximum loan is 200,000, and the longest service period is two years. It is a good platform for businesses. The daily interest rate is 0.0/kloc-0.6%-0.047%.
4, ant flower buds
Not every user has a credit line, which is given after comprehensive evaluation in the background. If it hasn't been opened yet, you can see if it's a bad credit situation, a lack of qualifications or other reasons.
The above is sharing, I hope I can help you.
The calculation of sesame credit loan interest is as simple as that.
Sesame credit loan has become popular in the market. You don't need a central bank credit report, and you can get a lot of money by providing sesame credit. Many friends know how to apply for a sesame credit loan, but they don't know what the interest of the sesame credit loan is. Let me answer this question for you.
Interest is calculated on a daily basis
The method of calculating interest on a daily basis is different from the method of repaying according to evidence, and the interest generated will be different. Generally, there are two repayment methods: borrowing and repayment and repayment due.
Maturity repayment means that when the loan expires, everyone agrees on a repayment date, and the principal and interest can be paid off in one lump sum. During the loan period, neither principal nor interest will be repaid. We use cash white card to explain the interest rate of sesame credit loan. Borrow RMB 1 1,000 from the cash white card, agree on the loan term, and repay the interest at the daily interest rate of 1 1,000×××× 7 = 98 yuan.
Interest is calculated monthly.
Monthly interest calculation will also generate different interest due to different repayment methods. There are two repayment methods: equal principal and interest and average capital.
Matching principal and interest is a method to calculate the total repayment principal and interest and repay the loan in equal amount every month. The total interest is greater than the average capital interest. We use Dangdang loan to explain the interest rate of sesame credit loan. Borrow from Dingdang Loan 10000 yuan, with a term of 6 months. Calculate the monthly interest with an equal principal and interest device, and get a total interest of 893 yuan.
Here, I answer your questions about the interest rate of Sesame Credit Loan, hoping to help you choose loan products with high cost performance. Friends who need money can click, and they will immediately arrange a credit manager to provide you with one-on-one loan services.
What is the interest rate of sesame credit loan? The minimum daily interest rate is 0.04%.
Everyone is familiar with Alipay, especially ant borrowing and ant flower garden are commonly used loan platforms. For sesame credit loans, everyone will be unfamiliar. In fact, the sesame credit loan refers to the sesame credit loan. So what's the interest on Sesame Credit Loan? Is the interest on sesame loan high? Let me analyze it for you today.
I. Conditions of Sesame Credit Loan
All kinds of platforms that rely on sesame seeds for loans require sesame seeds to score above 600 points. In addition, in addition to meeting this requirement, customers applying for loans must have a good credit record.
2. What is the interest rate of Sesame Credit Loan?
The daily interest rate of ant IOUs in Alipay is, and they can be repaid as they are borrowed. For example, if the customer borrows 10000 yuan and borrows for 30 days, the interest of sesame credit loan is 10000 yuan.
In addition, in addition to ants borrowing, there are many sesame lending platforms, such as malt loan, good term loan, moonlight loan, water elephant installment and so on. The interest rates of these platforms are often higher than those of Alipay Ant Loan, and the daily interest rates of general loans are around.
Third, is the interest rate of sesame credit loan high?
The interest rate of sesame credit loan is not high in the small loan industry, especially the ant of Alipay, whose daily interest rate is very low. For example, independent loans, such as spot loans, have close daily interest rates and are easy to generate handling fees and service fees.
In short, the sesame credit loan interest rate is not high, and the loan is relatively safer and more reliable. Interested friends can try to apply.