Take Alipay 10.2.50, Apple 13(IOS 15.2 system) and Huawei mate40(HarmonyOS2 system) as examples, with a maximum loan of 300,000 yuan.

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For most ordinary people, after the opening of the loan, the loan amount is generally around several thousand yuan to 1000 yuan, and with the increase of the number of uses, the loan amount will gradually increase.

When the loan is opened, the sesame credit must be above 600 points. When the loan is opened, it will be allocated a quota with reference to Sesame Credit. The longest repayment period of the loan is 12 months, which can be repaid with the loan.

If you want to increase the loan amount, you must increase the number of uses and repay on time.

To increase the loan amount, you can also fill in personal information first, and use more wealth management products on Alipay, such as buying Yu 'ebao and Yu Bao Li, or you can pay with flowers when shopping; Paying back the credit card on time with Alipay can also increase the loan amount.

What's the maximum?

At present, the maximum loan amount on Alipay is 300,000 yuan. However, it is estimated that not many people can borrow 300,000 yuan. The average user's quota should be between 1000 yuan and 10000 yuan, and the quota above10000 yuan is relatively small.

The best way to increase the loan amount is to add a provident fund account, provided that you have your own account.

If you add it, you will increase the quota immediately if you borrow it. Because the provident fund account can only be enjoyed by employees who have participated in the provident fund system, it is generally composed of stable income and the income is not low.

"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;

How much can Alipay borrow?

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 from 1000-50000 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.

Users with sesame scores above 700 can also apply for a good term loan (recruiting financial products and cooperating with Alipay), with a loan amount of 2000- 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. In other words, if your sesame score is above 700, you can borrow up to 60,000 yuan from Alipay.

How to use Alipay:

I. Loan Steps

Before using "borrowing", you must first ensure that your sesame credit score is not less than 600. If it meets the requirements, you only need to upgrade your Alipay wallet to the latest version, and you can see the "borrowing" function in the "wealth" column of Alipay wallet.

Click Enter, select "I want a loan" and enter the amount to apply in the "Loan Amount" box. The system will automatically calculate the total annual interest and monthly repayment amount, click OK, enter the payment password and SMS verification code, and the loan test is completed. The whole lending process takes less than one minute, which is very convenient.

B, repayment steps

Similarly, enter the "Loan" interface and select the "Repayment" function at the top right. In terms of repayment methods, you can choose installment repayment and early repayment. The following is the method of prepayment. View personal consumption loans in "Loan Records". Selecting "prepayment" software will prompt the total repayment amount and interest. Of course, the earlier the repayment, the lower the interest. Enter the payment password and submit it to show that the repayment is successful.