With the development of social economy, loan has become a common economic behavior in people's daily life. Many people think of loans from banks first. However, with the development of Internet finance, in addition to banks, there are more and more channels for loans. Alipay loan is one kind of loan. What are the loan products of Ali's Alipay? What are their characteristics?
Product 1: Taobao loan
Taobao loans are divided into order loans, credit loans, cost-effective loans and supply chain loans. Specific Taobao users can log in to the account number and then select the corresponding loans. If they meet the conditions, they can obtain loans by filling in the application form and signing the contract.
Product 2: Alibaba credit loan
Alibaba credit loan is the financing loan service provided by Alibaba for member enterprises, which mainly meets the liquidity demand of member enterprises in the process of production and operation.
Product 3: borrowing
The maximum loan limit of ant loan is 50000 yuan, the longest repayment period is 12 months, and the daily expected annualized interest rate is 0.04%, which can be borrowed and paid at any time. Users who need it can log in to Alipay, click on 'wealth' - 'ants borrow', 'I want a loan', fill in the relevant information according to the request, and submit the corresponding amount immediately after submission. However, this product is only open to some users, so not everyone can apply.
Product 2: Huabai
After the promotion of "double 11", I believe most people know about this product. It is reported that as long as the credit score of sesame is above 600, there will be a chance to get a certain amount of "Huabei" credit, which can be used when it is opened. As long as the repayment is made within the specified time, there will be no service charge.
Product 4: carry on loan
Personal loans include personal consumption loans, Taobao market credit loans and Taobao market store order loans. Users who meet the requirements of applying for credit loans can obtain the corresponding credit line.
At present, Alipay's carry on loan support includes order loan, loan plus return (3 months), loan follow up (6 months), equal principal amount (12 months) four kinds of loan types. The daily expected annualized interest rate of the order loan is 0.05%, the daily expected annualized interest rate of the loan with repayment for three months is 0.06%, the daily expected annualized interest rate of the loan with repayment for six months is 0.06%, and the daily expected annualized interest rate of the equal principal is 0.05%. The maximum service life of a single loan is 60 days, 3 months, 6 months and 12 months respectively. It is reported that the amount, loan method and repayment interest of each person are different.
Product 5: good time loan
Compared with Huabei and jiebei, a good term loan is much more low-key. Users need to click 'sesame credit' -- credit life 'to see it. This product requires the applicant's Sesame credit score to be more than 650, the loan line to be between 20 and 50000, the loan term to be up to 12 months, and the interest is calculated daily in the month of repayment.
Product 6: interest staging
This product is only for college students, the loan line is 2500 yuan, and no face-to-face. Students with needs can log in 'Alipay', and then click on 'sesame credit' - "university students' area" can be seen, but the applicant's Sesame credit must be more than 600 points.
Product 7: small and micro loans
The launch of Alipay small and micro loan has brought convenience to many Alibaba sellers and shopkeepers. At present, the loan projects supported by Alipay small and micro loans are divided into 12 yuan (equal amount of principal), order loan, loan plus (3 months), and loan to follow (6 months) four categories. Different loan types need to meet different application conditions.