Today, I'd like to talk about ant Jiebai, because I found that it has a new partner! Needless to say, we all know that the advantages of Jiebai are 'fast, quick and economical', and people who have used it say it is good. At present, the application threshold is above 600.
According to different scores, the amount of loans users can apply for ranges from 1000 to 300000, the daily interest rate ranges from 0.015% to 0.05%, and the longest repayment period is 12 months.
See here, there should be small partners have questions: the amount of others is very high, the interest rate is very low, what is the situation? How to adjust?
As for the quota, I can only tell you based on my experience and data. After all, in order to make up for the defects of credit reporting, sellers usually have very high credit limit and very low interest rate. Therefore, it's not uncommon for those online 300000 credit limit with daily interest rate of 1.5% per 10000 (the comprehensive annual interest rate is less than 6%) to worship.
In addition to the fact that sellers have a double head advantage in borrowing, the amount of borrowing for high-frequency users of Taobao tmall will also be relatively high, and the amount of several hand chopping parties seen with their own eyes is about 80000.
Another is that when you were born, you were the first group of loyal users. With frequent borrowing and timely repayment, your quota laid a better foundation in the early stage.
In addition to the above three types of cheating, the normal candidates should be evaluated according to their daily Alipay's multi scenario use, such as offline payment, online payment, credit card repayment, purchase of financial affairs, and proper use of flowers and monthly 6 sesame credit score adjustment.
The following table is a summary of data, without any basis, waiting for you to verify.
After writing so much, I found that the amount I borrowed had not changed for more than a year. A while ago, there was a meeting between central bank officials and ant financial services. After the meeting, ant financial services suspended ABS products, which will stop some users' borrowing function. Otherwise, the borrowing quota will be reduced and it will be difficult to increase. I don't know if there are any friends who are affected.
However, just last week, a car came to my right face (some users have opened it).
This is an exclusive credit loan for car owners. In addition to the loan amount, the new cash loan amount is provided by Qianhai Zhongcheng leasing, a third party. Simply put, it's a car rental company.
I tried to bind the car, provide the car model, color, mileage and service life, and the estimated financing amount was 177000 yuan. I'm curious that the annual interest rate has reached 18.25%. Would you like to know that everyone is like this??
So I gave a customer service and got several pieces of effective information for your reference
1. The estimated amount of financing is generally the maximum amount of approval. Specifically, the car needs to be inspected on site for second evaluation. If the car is in mortgage status, the amount will be reduced by another 70%. If the estimated amount of financing is less than 100000, the car in mortgage status will not be discounted.
2. The loan period is up to 12 months. After one month of use, the loan can be repaid in advance, and only the interest of the first month needs to be paid.
3. The repayment method is equal principal and interest, which is a bit similar to the principle of installment repayment of credit card.
For example, we usually see the publicity of "apply for repayment by installments, and the service rate is as low as 0.6%". Generally speaking, the annual interest rate is 0.60% * 12 = 7.2%, which is not high at first sight.
Take a bank credit card of 12000 yuan in 12 phases as an example, monthly return (12000 / 12) + 12000 * 0.6% = 1072 yuan, from the second month, you owe the bank only 11000 yuan, to the last month, you only owe the bank 1000 yuan, but still have to pay the handling charge according to 0.6% of the full amount of 12000 yuan, still have to return 1072 yuan.
So what's the real interest rate? The lazy algorithm is to multiply 2:7.2% & times; 2 = 14.4%. The actual algorithm is as follows:
In Excel, enter 12000 yuan in line 1, 1072 yuan in line 2-13, and then enter the formula = IRR (A1: A13) in line 14, which is the monthly interest rate we actually bear, and then multiply by 12, which is the annualized interest rate. The actual figure is 13%.
Auto finance is also true. The actual interest rate is directly announced on the front. It's just a little more expensive than credit card installment, but it's not bad compared with other third-party auto financing. If I borrow 177000 at one time, I need to repay 16005 yuan per month.