Bai Hua 1
Alipay launched the "consumption first, payment later" service, and users with sesame scores above 600 have the opportunity to apply for opening the "flower garden". At present, the amount of "flower garden" is between 2500-30000 yuan. Users can use it to shop in Tmall Mall or Taobao, and make repayment on the following month 10 after confirming receipt. As long as the repayment is made on time, there is no handling fee.
2. Ants borrow it
Alipay's loan business is called ant borrowing. Users do not need to submit complicated personal materials and financial certificates, and the loan can be completed in 3 seconds at the earliest. This service is located in "Credit Life" in "Sesame Credit".
3. Alipay Online Bank
Alipay online merchant bank still serves small and micro enterprises, mass consumers, rural operators and farmers, and small and medium-sized financial institutions. The application threshold is the same as the previous loan. The maximum loan amount is 1 000 yuan, the expected annualized interest rate on the loan day is 0.05%, and the loan term is 1.2 months. Use the average capital repayment method.
4. Rongding Baidai
Rongding EMI is a platform with many Alipay life loans. For example, if you are short of money, you can provide the borrower with a loan of 1000-5000 yuan, with a term of 30 days, which will arrive on the same day, and often provide the borrower with some interest deduction vouchers.
5. Recruit good loans
Zhaolian Good Term Loan is Alipay Life Loan under Zhaolian Finance, with a maximum amount of 200,000 yuan for recycling and a daily interest rate as low as 0.029%. The borrower 18-50 years old is required, and the sesame score is above 550.
First, the adverse effects of not returning flowers:
1, collection; Loans overdue will definitely encounter collection, including but not limited to electricity collection, SMS collection, email collection, WeChat friends circle collection and the above methods. It's not good for yourself and your friends. It is best not to have loans overdue, so as not to endanger the lives of yourself or others.
2. Reduce sesame seeds; The opening and application of flower buds are closely related to the personal credit information system of Sesame Credit. If loans overdue happens in Huabai, loans overdue will appear in the negative information record of Huabai. If the situation in loans overdue is serious, the sesame branch will continue to decrease.
3. Endangering loans; Due to the sesame credit score uploaded by the loans overdue Records Conference, the loan will be seriously endangered. In the financial management system of Ant Financial Services, there will be credit loan products borrowed by ants. If they are spent, loans overdue is likely to endanger the application of ant borrowing.
4. Litigation and injunction; For long-term intentional customers in loans overdue, Bai Hua has the right to use laws and regulations to collect arrears.
Second, the full name of Flower Garden is Ant Flower Garden, which is a consumer credit product launched by Ant Financial. After the application is opened, you will get a consumption quota ranging from 500 to 50000 yuan. When spending, users can prepay the amount of ant flowers and enjoy the shopping experience of "spending first, then paying". On August 4, 20 16, the Ant Flower Garden Consumer Credit Asset-backed Securities Project was listed on the Shanghai Stock Exchange, which is also the first ABS of Internet consumer finance on the Shanghai Stock Exchange. By June of 20 18 and 1 year, Ant Financial has voluntarily increased the capital of two small loan companies by 8.2 billion yuan, and the registered capital has increased from 3.8 billion yuan to/kloc-0.2 billion yuan. On May 6th, 2008, Bai Hua announced its opening to banks and other financial institutions. 202 1. 9. 22 It is reported that the flower buds have been connected to the central bank's credit information system, and users can't use them if they refuse to access them.
Operating environment: iphone1115.0 AliPay APP version model: 10.2.38.