There are several products with the function of lending treasure: 1. Lending treasure is a series of products of ant lending treasure, which mainly meets the large capital demand of users. The minimum loan amount is 50,000 yuan and the maximum loan amount is 300,000 yuan. The repayment period is as long as 24 months, and the daily interest is as low as 2000 yuan. The current validity period is 30 days. If you accidentally exceed the validity period, you can apply again after the loan is paid off in full. 2, ant flowers. White is Alipay's product in consumer credit. Its function is mainly used for overdraft. Repayment can be made after consumption, and the longest repayment grace period is 4 1 day. The amount of white support consumption is between 500 yuan and 50,000 yuan, and users can also pay by installments after consumption. At present, the time limit for supporting installment payment is 3/6/9/ 12. 3. Alipay petty cash. This is a 7-day loan service launched by Alipay for some eligible users. Each user has a specified loan amount in 500 yuan every month, and can enjoy interest-free repayment within the specified period. 4. Online commercial loans. Online business loan is an operational loan product launched by Alipay for small and micro enterprises and individual entrepreneurs. The maximum loan amount is 6,543,800 yuan, and the longest loan period is 654.38+02. In the era of Zhao Lunhai, Alipay's loan required sesame score above 600, and this loan is no exception. This loan service is hidden in Alipay's sesame credit. The loan amount of a good-term loan is about 2000 to 50000, and the loan period is also calculated on a monthly basis. Just click on the credit term in Sesame Credit Portal to find a loan with a good term and fill in the application. 6. excuse me. It is a rice financial loan product jointly launched by Alipay. Users added "Mi Finance can apply for loans and loans online" in Alipay service. The maximum loan amount is 200,000, and the demand for this product is high. Only users whose personal credit status is above 700 can get loans. 7. China Post Consumer Finance. China Post Consumer Finance is a consumer finance platform jointly established by China Post and Postal Savings Bank. Support the maximum loan of 50,000 yuan, and the longest loan period is 24 months. 8. Consumer finance in Yin Bao. This is a loan product launched by Baoshang Bank. The borrower needs sesame score above 620 points, and the maximum loan amount supported is 50,000 yuan. 9. Interesting stage. It's a consumer staging product. As long as you earn more than 600 points, you can apply for interesting installments with a loan amount of 2500 yuan. Operating environment: mobile phone Huawei Harmony2.0.0 Alipay 10.2.53
2. What loans are there in Alipay?
There are quite a few forms that Alipay can borrow:
1, you can search and pay attention to the corresponding life number for loan. Common loan life numbers are: instant finance, comfort flower, job enjoyment flower, joint loan, installment, China Post consumer finance, Guangfa consumer finance and Huarong consumer finance. However, although it is safe to borrow from Alipay Life, the loan interest rate is between 10%-24%, most of which are.
2. Alipay's official loan platform is Ant Borrowing, which can be found in "My". This is officially supported by Alipay, which is trustworthy and the interest rate is acceptable, but the amount is limited. The loan is a personal credit loan in Alipay. The loan amount ranges from 5 million yuan to 300,000 yuan, the longest loan period is 12 months, and the daily loan interest rate is 0.0/kloc-0.5%-0.06%. At present, ant borrowing is officially invited to open, and only invited users can apply for loans at borrowing.
3. The reserve fund is a small change fund package provided by Alipay, which can be returned at any time. The amount of the reserve fund is generally 500 yuan, and the service period is 7 days, that is, no interest will be accrued within 7 days, and interest will be accrued after 7 days. However, general new users can enjoy interest concessions when applying for the reserve fund. It should be noted here that when the reserve fund is returned, it needs to be returned in full, not in part.
3. What can Alipay borrow?
Log in to Alipay account
-Application Center
-Loans
-Taobao loan
-Choose
-Order a loan and apply now.
Why can't I apply for an order loan? A: Situation 1: It does not meet the application conditions.
Does your store meet the basic requirements of continuous operation for 2 months and the owner's age 18-65?
At present, loans are automatically reviewed by the system. The system will judge whether you meet the loan application conditions according to the comprehensive situation of your store and your overall behavior on Taobao. For example, the transaction volume of the store, the refund rate, the quality of the evaluation, the stability of the transaction, and whether you are punished by Taobao will all affect whether you can successfully apply for a loan.
If you can't get a loan for the time being, it means that the overall operation and operation of your store can still be improved. I suggest that you can optimize according to some of the possibilities mentioned above. Not applying now doesn't mean you can't apply in the future. You can operate for a period of time first, and then apply after all the data of the store are perfect, and there is still a chance of loan success in the later stage.
Case 2: The page shows that the quota is 0.
The system has been reviewing the operation of the store, and the current page shows a quota of 0. One possibility is that there is no suitable order in your store for the time being; Another possibility is that this means that the loan amount you are using is greater than or equal to the maximum credit amount that your store can grant at present. I suggest you try to improve the business data of your store and increase the credit line.
What qualifications do I need to apply for an order loan? A: Taobao's order loan first needs to meet: 1) Taobao sellers with full civil capacity whose shopkeepers are over 18 years old; 2) Taobao stores have been operating effectively in the last two months, with effective trading volume every month; 3) Honest and trustworthy, and the store has a good credit record. What are the repayment methods of order loan? A: There are three repayment methods for order loan: 1) Automatic repayment by the system: after the general order transaction is received, the system will automatically deduct the corresponding amount from your Alipay for repayment (in case of store fluctuation or refund, the system may automatically deduct the amount); 2) Repay the loan in advance: during the loan period, if you don't have the capital demand, you can also repay the loan in advance manually to pay off a loan in part or in one lump sum; 3) Overdue repayment: when overdue, the system will automatically deduct the account balance.
-Credit loan. Apply now.
Q: Why can't I apply for a credit loan? The page says "I can't apply for a loan at present"? A:
Taobao credit loan first needs to meet the following requirements: 1) Taobao stores have been operating effectively in the last 6 months, with effective trading volume every month and good operation; 2) Store registrant 18-65 years old.
Secondly, the credit loan is the result of whether the system can give loans according to the comprehensive situation of the store operation (related to the store operation data, such as the store's favorable rate, refund rate, deduction points, penalties, complaint points, etc.).
If the page shows that the loan is temporarily unavailable, it means that the overall operation and operation of your store can still be improved. Just because you can't apply now doesn't mean you can't apply later. I suggest that you can operate for a period of time first, and then apply after all the data of the store have improved.
How to apply for a credit loan?
Answer: Enter I am the Seller-Store Management-Taobao Loan, click this credit loan to enter the loan page, and click the loan application button: 1) to fill in personal information: all information is required when applying for the first time, and the personal information page has the function of automatic saving, so it is not necessary to fill in it again when applying for a loan; 2) Fill in the loan amount and service period; 3) Determine the loan. Click here to view the demonstration of loan application. Taobao credit loan approval answer introduction:
In some special cases, your loan needs to enter the manual approval stage, which usually takes about 2 working days. Generally, the loan credit of users who pass manual approval will be improved.
4. What can Alipay borrow?
Log in to Alipay account
-Application Center
-Loans
-Taobao loan
-Choose
-order a loan, stand.
Why can't I apply for an order?
Does your store meet the basic requirements of continuous operation for 2 months and the owner's age 18-65?
At present, loans are automatically reviewed by the system. The system will judge whether you meet the loan application conditions according to the comprehensive situation of your store and your overall behavior on Taobao, such as store transaction volume, refund rate, good and bad reviews, transaction stability, and whether you can apply for a loan.
If you can't get a loan for the time being, it means that the overall business form of your store can continue to improve. I suggest you optimize according to some of the possibilities mentioned above. Just because you can't apply now doesn't mean you can't apply later. It can be operated for a period of time, and there is still a chance to successfully borrow money when all the data in the store are complete.
Case 2: The page shows the following amount
The system will always review the operation of the store, which can be like this: your store has no suitable orders for the time being; Another possibility is that this means that the loan amount you are using is greater than or equal to the maximum credit amount that your store can grant at present. I suggest you try to improve the business data of your store and increase the credit line.
Apply for qualification? Answer: Taobao is 18 years old and has full capacity for civil conduct. 2) Taobao stores have been operating effectively in the last two months, with effective trading volume every month; 3) Honest and trustworthy, and the store has a good credit record. What are the repayment methods of order loan? A: There are three repayment methods for order loans: 1) Automatic repayment by the system: generally, the corresponding amount will be deducted from your Alipay for repayment (in case of store fluctuation); 2) If the demand for repayment in advance is met, it can also be paid off manually or at one time; 3) Deduction is initiated for overdue account balance.
-Credit loans,
Q: Why can't I apply for a credit loan? The page says "I can't apply for a loan at present"? A:
Taobao credit loan first needs to meet the following requirements: 1) Taobao stores have been operating effectively in the last 6 months, with effective monthly trading volume and good operation; 2) Store registrant 18-65 years old.
Secondly, the credit loan is the result of whether the loan can be made according to the operating conditions of the store (related to the operating data of the store, such as store penalties, complaint points, etc.).
If the page shows that the loan is temporarily unavailable, it means that the use of all aspects can still be improved. Just because you can't apply now doesn't mean you can't apply later. I suggest you get a certain promotion before applying.
How to apply for a credit loan?
Answer: Enter I am the Seller-Store Management-Taobao Loan, click this credit loan to enter the loan page, and click the loan application button: 1) to fill in personal information: all information is required when applying for the first time, and the personal information page has the function of automatic saving, so it is not necessary to fill in it again when applying for a loan; 2) Fill in the loan amount and service period; 3) Operation demonstration. Introduction of Taobao Credit Loan Approval
In some special cases, it will take several working days for your loan to enter the manual approval stage, and the situation of users who pass the manual approval will generally improve.