Is it the same as online business loan? Which one is better
Sihai: the two major loan openings related to Alibaba, online business lending and borrowing, have always been the object of attention. Is online business loan the same as borrowing?
1、 What is ant borrowing?
1. Borrowing is a loan product launched by ant financial services.
2, the loan object is the good credit Alipay user, requests sesame credit score 600 points or more.
3. The scope of the loan is between 1000 yuan and 300000 yuan.
4. There are two ways to borrow money: Daily loan and monthly loan. The maximum repayment period is 45 days and the daily interest rate is 104; the maximum repayment period is 9 months and the daily interest rate is 33.5.
5, the loan amount applied for is one second to arrive. Whether the user can choose his own money is transferred to Alipay balance or bank card.
6, at present, we can not independently open the loan. Users who meet the requirements can see the "Alipay entrance" in the "my - my" interface. It is suggested that users who want to open borrowing should open Huabei first.
2、 What is online business loan?
1. E-commerce loan is a loan service launched by e-commerce banks.
2. The loan object is required to be Alibaba members, legal enterprise legal person or individual industrial and commercial households, that is, the general Taobao shopkeeper or the legal representative of tmall store. Industrial and commercial registration time is more than one year.
3. Loan limit: the maximum amount of fast loan is 500000 yuan; the maximum standard loan limit is 2 million yuan.
4. Online business loan must be on credit.
3、 The difference between e-commerce loan and ant loan
Through the above analysis, we can conclude that there are three biggest differences between the two: different borrowing objects, different credit lines and different credit reporting systems. In particular, we should pay attention to the ant loan. Now there is no clear credit reference, but the e-commerce loan must be on credit.
4、 Borrow Bei and network business loan that good?
The opening conditions are down to earth, and almost all Alipay users have the opportunity to open up. This is the advantage of borrowing money. There is no obvious distinction between likes and dislikes. Both are tools and we should be good at using them. It is the best for users to choose the right one according to their own conditions and needs.