Alipay believes that many netizens are using it. If you pay attention to this matter, you will find that everyone's borrowing interest rate is not the same! Some people's daily interest rate is 0.005% (10000 5), some are 0.004% (10000 4), 0.003% (ten thousand 3), the lowest Xiaobian also met 0.0015%. Why do people borrow money from borrowing money by half or even less? How to reduce Alipay's interest rate? What's the 0.0015% interest rate of my Alipay? Today, Xiaobian brings five tips to reduce Alipay's interest rate.
How to reduce the interest rate of borrowing day
Skill 1. Borrow more times
Sesame credit score in 600 or so, generally can apply to open ant borrow chant. For new users, the daily interest rate of borrowing is generally 0.005%, that is, 50000 yuan. When you use borrowing once, pay back on time and keep good credit, it should not be a problem to reduce the daily interest rate of borrowing to 0.004% (10000 yuan). The frequency of borrowing and maintain good credit, to a certain extent, to reduce the daily interest rate has a certain help!
Reduce the daily interest rate
Second, improve sesame credit score
Improving the credit score of sesame can reduce the daily interest rate. We can improve the credit score of Sesame by using more Alibaba products, such as consumption, repayment on time, installment shopping, payment of water, electricity and coal, and so on. For more specific methods to improve the credit score of sesame, please pay attention to niuma payment. If sesame credit score can reach above 800, then 0.03% is just around the corner.
Sesame credit over 800 points
Skill 3: become a Taobao seller
It is believed that there are many people whose daily interest rate reaches 0.002% and 0.003%, but 0.0015% is not so easy, which is a bit difficult. In addition to the need to improve their personal information, especially vehicle information, real estate information, etc., of course, the more supplementary information, the better. You can also open Taobao stores, even if you don't sell things, you can get the lowest daily interest rate of 0.015%.
Daily interest rate of ant loan 0.0015%
Skill 4: use discount coupon and coupon
In the rules of Alipay, there are certain interest discount coupons and coupons. According to the regulations, Alipay platinum and above members can use 2400 points to exchange for the first time interest rate 8.5 and 20 percent off coupons, each user can only change three times during the activity, and the coupon is randomly distributed. New users can choose one of several ways, such as: 5000 yuan free of 5 days; 3000 yuan free of 3 days; the first interest is 10% off; old users are a certain number of interest free coupons.
Discount coupons and coupons
Fifth, choose the way of borrowing
Some people pay two kinds of interest on Alipay's borrowed loans. They borrow money on a daily basis and borrow money on a monthly basis. Generally speaking, the interest rate of daily borrowing is slightly higher than the monthly interest rate. For example, if there are netizens borrowing, the daily interest rate is 0.04%; if it is monthly borrowing, the daily interest rate is 0.035%. But this is not a choice for everyone. Some netizens do not have this function on Alipay.