Can Taobao get a loan

With the rapid development of e-commerce industry, more and more people have developed the habit of shopping online. As a mainstream e-commerce platform, "Taobao" has accumulated many users. Some Taobao users have also begun to have ideas, that is, can they use Taobao loans?

Taobao sellers and Taobao buyers can rely on their own Taobao stores or Taobao accounts for loans. At present, many lending institutions in the market provide Taobao loans to users.

Taobao buyer loans are generally consumer installment loans. Users can make Taobao shopping through lending institutions, and then return the shopping funds to lending companies in installments. Alipay's flower buds are loans that can be directly consumed in Taobao. Users in need can log on to Alipay-My Flower Garden for study.

Taobao seller loan general loan company will evaluate the seller's store operation and issue store operation loans. There are many e-commerce loan platforms in the market that provide Taobao seller loans, and users can choose after comparison. If users can't find a suitable loan channel, they can find it in Baidu Financial Mall. At present, there are many loan channels on the market.

What are the requirements for Taobao loan?

If users want to make loans through their own Taobao, then the first choice is to meet the loan conditions before they can successfully borrow. However, different lending institutions also have certain differences in loan conditions, so we can understand the basic conditions that Taobao loans need to have together.

Taobao merchant loan conditions:

1. Users must have Taobao stores that meet the requirements of lending institutions;

2. The borrower's Taobao shop operates healthily and the running water is normal;

3. The borrower needs to have a good credit status and no bad credit record;

4. The borrower needs a stable income, and the debt ratio cannot be too high.

Taobao buyer loan conditions:

1. The borrower needs to be at least 18 years old;

2. The borrower needs a stable income;

3. The borrower has no bad credit record and good credit;

4. The borrower needs to authorize the lending institution to view Taobao data.

If you want to borrow money through Taobao, you definitely need to authorize the lending institution to view its own Taobao data. Lending institutions will evaluate users according to their consumption and ability or business conditions, so as to issue loans.

Can Taobao borrow money?

Taobao provides merchants with Taobao credit loans and Taobao order loans. If the business capital turnover is difficult, you can apply for loan service in Taobao. Of course, if the application for the above two loans fails, users can also apply for flowers or borrow them. Taobao and Alipay are interrelated, and users can also try to apply for loans and reserve funds.

In fact, as long as users have good credit qualifications and strong repayment ability, they can usually pass the audit because the threshold for credit loans is not high.

Extended data

You can borrow money from Taobao. Open Taobao APP and click "My" in the lower right corner. At the bottom of my page, you will see Alipay. Click on more services to view the loan service. Just follow the system prompts to borrow money.

Yes

The borrowing entrance in Taobao is borrowing. Users borrow money through Taobao, but actually borrow money through borrowing. Both Taobao and Alipay belong to Alibaba Group, and Taobao and Alipay cooperate with each other. Taobao buyers can borrow money by borrowing money, and Taobao sellers can use online merchant bank loans.

If users need funds, they can log in to Alipay directly and borrow money by borrowing money. If the user is a seller, the user can upgrade the loan to an online commercial loan. Users need to repay the loan on time when using the loan or online business loan, and don't overdue it.

Once the user is overdue, Alipay will upload the overdue record of the user to the personal credit information system of the People's Bank of China. When the overdue records of users are uploaded to the personal credit information system by Alipay, banks will not provide loans and credit card services for users, and all high-consumption behaviors will be restricted.

Not only that, but also the children of users will be affected. Users' children can't go to private schools with high fees, nor can they join large units or government units. In order not to affect the daily life of users and children, it is necessary to repay on time.

There is no reason to borrow it.

1, registered and certified in real-name registration system

Many people say that when I registered my Alipay account, I was certified by the real-name registration system. How can I not have real-name authentication? Here I suggest you open Alipay to search for real-name authentication. If the identity information is perfect, then there is no problem.

2. There are overdue records.

There must be no overdue record for the flower buds, otherwise it will be difficult to open them. Microfinance products such as borrowing money are most concerned about the credit status of users. Once there are overdue records, it will seriously affect the performance of users in the system credit evaluation.

3. Alipay is not active

It is difficult to get a loan if you don't use it often. From the data point of view, many online small consumer loans use big data to evaluate users' credit status, so if users are not active, Alipay does not have enough data to judge users' credit status.

Can Taobao borrow money? Where is it?

Take Taobao version 10.3.0, Apple model 12, IOS version 14.7. 1 as examples. Seller: Taobao can borrow money. You can borrow money on the Taobao page in the seller center. Sellers can enter Taobao Sellers Center and click on Taobao Loan in store management. In the Taobao loan page, the seller can see three choices: order loan, credit loan and marketing value-added treasure, and choose one according to the actual situation.

Buyer: Taobao can borrow money, and you can borrow money on the Ant Loan page. When buyers use Taobao, they need to bind Alipay account. If the buyer needs funds, he can borrow money from the ant loan page. The loan entrance in Taobao is borrowed by ants.

If the user can't find the loan entrance, he can contact Taobao Xiaomi for loan details. Whether it is the seller or the buyer, the loans used are provided by online merchant banks or lending institutions that cooperate with online merchant banks.

When users borrow money from Taobao, they are actually using ants or online merchants to borrow money from banks. Users can borrow money directly from ant lending or online merchant banks without having to borrow money through Taobao.

If users have overdue records in ant borrowing or online merchant bank, they can't borrow money from Taobao. Not only that, after the overdue loan by ants, the overdue records will be uploaded to the personal credit information system of China People's Bank by Alipay, which will affect the daily life of users.

Can Taobao's real-name account be loaned?

Taobao real-name account can be loaned.

Loan application steps:

1. Click "Seller Center" and click "Taobao Loan". Or after logging in to the seller center, you can also successfully enter the Taobao loan page by clicking "loan amount" below.

There are two ways, one is order loan, and the other is credit loan.

On the left, you can see all the loan methods and interest details. Each method has its own conditions, and only after these conditions are met can you apply for a loan.

4. Click "Quick Recommendation", enter your requirements and query the results.

5. Apply for the "loan-as-you-borrow" method, and only borrow 1 0,000 yuan. Providing information about store operation and reputation can increase this quota.

6. When we apply for a loan of 1000 yuan, we need to upgrade and complete our Alipay authentication information by opening Alipay, logging into your Alipay account and clicking "Account Settings"-Upgrade.

7. Re-upload the photo of the ID card and fill in the information on the ID card, and then submit it.

How to repay the loan:

1. Click "Loan Management" to view your loan records, repayment records and other related information in real time.

2. If you have money and want to prepay, click "Prepayment", enter the repayment principal and confirm. Prepayment can be exempted from handling fees.