Ma Yun is a man with a very unusual mind. Alibaba, which he founded, changed people's shopping mode, and the online lending platform he launched changed people's traditional lending mode. More and more people choose online loans when they need funds. Let's take a look at what online lending platforms Ma Yun has.
Bai Hua 1. Bai Hua is a personal consumption loan product launched by Alipay. Users can "consume first, then pay". At present, Bai Hua is not only used for online shopping, but also supports offline consumption payment. But you need to shop on Taobao frequently, and users who score 600 points or more in sesame seeds will have the opportunity to open it. The amount of flower buds is between 500-50000 yuan, and the specific amount is comprehensively evaluated according to the user's personal consumption, credit status and qualification. The repayment date of Huabai is the 9th of each month or 10, so as long as the repayment date is specified, you can enjoy interest-free, and the longest interest-free period that Huabai users can enjoy is 46558. If the user can't repay in full on the repayment date, he can handle the installment repayment business. At present, the number of stages supported by Bai Hua is 3, 6, 9, 12.
2. excuse me. Borrowing is a personal loan product launched by Alipay. Only users who meet the borrowing conditions have the opportunity to open the borrowing. Usually, users need to open the flower buds first, and the sesame score is above 600, and their personal qualifications are good before they can open the borrowing buds. At present, the maximum loan amount of the loan is 300,000 yuan, but note that the loan is charged interest on a daily basis. At present, the official daily interest rate is between 1.5 and six ten thousandths, and the longest loan is available.
3. Online merchant bank. Online merchant bank was established on June 25, 20 15. This is a commercial bank. Online merchant loans of online merchant banks mainly provide business loan services for small and medium-sized business owners. The longest loan period is 24 months. Users can start online business loans at Alipay. At present, online merchant loans are only open to some Alipay users. Users can check whether they are qualified to open online merchant loans at online merchant banks. If qualified, users can open online merchant loans through mobile phone Alipay.