Yes. It has nothing to do with Alipay. If the borrower has good credit and stable income, and his monthly income reaches more than 5,000 yuan, he is more likely to get a bank credit loan of 50,000 yuan. If the borrower's personal credit is poor or his income is not stable or relatively low, but he has corresponding collateral as collateral, he can apply for a mortgage loan. It should be noted that the mortgage loan must be secured by corresponding collateral. A simple and popular understanding of a loan is borrowing money that requires interest. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned.