Although Alipay said it would report the lender's loan information to the central bank for credit investigation, the loan is mainly based on sesame credit to provide loans to users. Only when the sesame score is above 600 will there be a chance to open a loan. The central bank's credit investigation is only a supplement to Sesame Credit. Generally, Alipay users have high sesame scores and may not check the central bank's credit information.
However, this mainly depends on luck. It is said that Alipay inquires about credit information by sampling survey. Generally, credit reports from all over the country will be sampled in one month, which is about 10% of the number of borrowers. Therefore, some people applied for loans and were investigated for credit information, while others did not.
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"Borrowing" is a credit loan service launched by Alipay. According to different sesame scores, users can apply for different loan quotas. 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.
2021165438+1October 8th news, it is reported that the name of Alipay's "loan" has been changed to "credit loan".
In this regard, Alipay customer service responded that in order to facilitate you to know more about the actual consumer credit service providers, the consumer credit service provided by financial institutions cooperating with Ant Financial has been updated to "credit loan", and the credit loan page shows the name of the financial institution. After this adjustment, the original services such as borrowing, auditing and repayment will not be affected.
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;