Speaking of borrowing tools on Alipay, I think the first answer must be 'borrowed'. In addition to what all 80% know, borrowing on Alipay has also hidden several products, such as the recruitment of good loans, China post consumer finance, silver package consumer finance, Guang Fa rice finance and so on.
All of them have been collecting passengers through Alipay's' life code '. Many interest rates given are even more favorable than those borrowed by ants. There are so many funds on Alipay platform. What are the different products? Today we are going to have a look together.
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It's convenient. The interest rate is not low
The ants borrow it,
The official introduction is a loan service for personal consumption.
Each person's quota is different, and the maximum will be raised to 500000 yuan this year;
The normal daily interest rate is 0.05%, floating according to different credit;
The lowest interest rate of Xiaoyu is 0.015%, and it is said that it has risen to 0.06%;
In general, the default is 12-month installment, which can be borrowed with repayment, and there is no service charge for prepayment.
Interest is calculated on a daily basis, and the loan is paid as you go. This is a more user-friendly setting than many credit card installments,
It doesn't need to be dug in stages for a year. It's very convenient to use it for emergency. It's suitable to be a backup 'small Treasury'.
Xiaoyu heard that cuckoo King next door,
The loan amount is 200000 yuan, the interest rate is 0.025%, and the discount is 50%.
After admiring for a while, Haosheng silently looked at his quota, 80000 yuan, and the interest rate was 0.04% & hellip;
In order to facilitate the following comparison of interest rates, Xiaoyu converts the daily interest rate of the installment into the adult interest rate:
The normal daily interest rate is 0.05%, and the adult interest rate is about 18.25%;
Xiaoyu's daily interest rate is 0.04%, and the adult interest rate is about 14.6%;
Mr. cuckoo's daily interest rate is 0.025%, and the adult interest rate is about 9.1%. You're welcome when you need it, especially when you need it!
The lowest daily interest rate is 0.015% and the adult interest rate is about 5.475%. You can use it if you want. Don't mention it.
As for the credit investigation of the central bank, the caliber is still different, but it is certain that malicious overdue will be on!
In addition, the part of Alipay merchants actually transferred to the net business loan (belonging to the network business bank). This part is also necessary for the credit investigation.
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Zhaolian good time loan: the highest is 200000, the lowest is 0.029% per day
"Haoqi loan" is a product of Zhaolian consumer finance company.
Zhaolian consumer finance is one of the 22 licensed consumer finance companies in China, which can be regarded as the "regular force" in the financial industry;
The so-called "Zhaolian" is actually formed by China Merchants Bank (Wing Lung Bank) and China Unicom.
Good time loan, the application threshold is not high, sesame credit score is not less than 550, 18-50 years old, you can apply.
The maximum amount of loan can reach 200000, and the minimum daily interest rate is 0.029%, equal to the principal and interest.
Below the conversion, the actual annual interest rate is about 10.58%, which is lower than most of the borrowing rates!
If the interest rate you borrow is higher than 0.03%, you can go to Zhaolian haojidai.
This product can also be calculated by daily interest, with borrow with return, borrow Bai flexibility is not lost.
Of course, 0.029% is the lowest interest rate, and 'lowest' is also a confusing word.
In addition, the amount of good credit check and borrowing, credit is no accident!
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It's cheaper than the lowest interest rate
Baoyou is also a product launched by Baoyin consumer finance.
Its issuer, Baoyin consumer finance,
It is also one of the 22 licensed consumer finance companies in China, and one of the main shareholders is Baoshang bank.
On Alipay's' bag you return ', sesame credit score of more than 620 users can apply quickly, the maximum amount of 50 thousand yuan.
The best customers can enjoy an annual interest rate of 9%, which is only half of the credit card installment rate.
Publicity on the official website,
That is, the lowest daily interest rate is 0.014%, and the interest of 10000 yuan per day is 1.4 yuan,
It's cheaper than the minimum interest rate.
In addition, the package you also, similar to bank instalments, not prepayment.
If the interest can't be calculated on a daily basis,
The practical annualized interest rate of the fund you pay is about 10%, which is also a relatively low price.
matters needing attention:
The better the credit is, the lower the interest is. Baoyin's consumer finance risk control is relatively strict. It's better not to try if the credit investigation is not good.
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Post you loan, slightly lower than the daily interest rate of 0.05%
China post consumer finance, post you loan, sesame score above 620 can apply.
The line of credit is 1000-50000 yuan, and 3-24 periods can be divided by stages.
50000 yuan, 12-month installment, monthly repayment of 4490.3 yuan,
The annual interest cost is 3883 yuan, and the actual capital use cost is about 15.5%,
It is slightly lower than the daily interest rate of 0.05%.
In addition, China Guangfa bank has rice finance,
At the beginning of the year, it also worked with Alipay to put consumer loans up to 200 thousand.
Previously, the interest rate was more favorable, but now new applications have been suspended,
Xiaoyu ignored it this time.
In addition,
You can also see many platforms in search of loans in Alipay life.
As for the qualification of these platforms, they need to be carefully identified.