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Is the house mortgage in Alipay online merchant loan a mortgage? Or a credit loan?
Online merchant loans in Alipay will recommend loan methods according to different types of users. For example, if you fill in your own real estate information in Alipay's related system, the online merchant loan may automatically match the housing loan. Since it is a housing loan, it must be a mortgage loan, not a credit loan. However, if the mortgage is not used for a period of time, Alipay may re-approve the credit loan for borrowing or online business loans. In fact, it depends on the specific repayment situation of consumers, and some information should not be filled in.

First, Alipay will confirm the loan method according to the user's situation. For the average consumer, borrowing money or spending money is enough for everyone. Generally, online business loans are not used, and online business loans are mainly provided to enterprises. Alipay analyzes users' different credit degrees and personal data filled in. For example, if personal property information is filled in, Alipay will give priority to matching the loan method of housing loan for users when they need to borrow money. If the user does not operate the loan after a period of time, the system may match the loan methods such as borrowing money or spending money. So whether it is a mortgage loan or a credit loan depends on the personal credit situation.

Second, some loan relationships of Alipay will be related to personal credit reporting. Nowadays, personal credit information is really very important to each of us. Some users signed an agreement when opening Alipay loans and flower beds, and these loans will appear on their own credit information, so we must pay attention to performance, that is, we must repay on time. If there are many overdue loans, it will be more troublesome for us to apply for mortgage or car loan, because the credit situation is not very good, and we may be refused mortgage and car loan because of poor repayment ability. Therefore, our consumption must live within our means, and there can be no overdue situation.