What is the difference between Alipay and the ant? What are the differences between the flowers and the ants? Two are Alipay's products. What is the essential difference? Generally speaking, ants are equivalent to the function of a network credit card of Alipay, and generally there is no interest in a month.
What's the difference between "Huabei" and "borrowed"
1, Alipay borrow borrowed money is the consumer credit product of ant micro loan, no need to provide mortgage guarantee, and the bank has no mortgage loan is a reason. Users with a score of more than 600 will have the opportunity to obtain the qualification of opening. They can apply for a loan line ranging from 1000 yuan to 50000 yuan. The maximum repayment period is 12 months. The daily interest rate of the loan is 0.045%. They can borrow and pay back as they go. The amount of user request can be transferred to the balance of Alipay, just like the loan from the bank. It can be withdrawn.
2, ant flower chant ant flower chant is actually a function of Alipay's network credit card. Huabei can shop on Taobao, tmall, etc. After you use Huabei payment this month, you can make repayment on the 10th day of the next month after confirming the receipt of goods. There will be no interest during this period. It is not to be withdrawn.
But there will be a charge if the payment is not made on time. If the current payable amount is not paid off before the repayment date, the corresponding overdue interest will be generated, and the overdue interest will be charged by 0.05% of the current outstanding amount on a daily basis.
Which is the best way to spend or borrow
The daily interest rate of borrowing and spending is 5 / 10000, which is equivalent to credit card. The loan amount is about twice as high as that of Huabei, but there is no interest free period. The interest is calculated immediately after the loan. Huabei has a billing period like a credit card, which is interest free. So, we usually give priority to Huabei and credit card, but we have no choice but to borrow them again.
What's the maximum amount of money to spend and borrow
It depends on your credibility. The higher your credibility is, the more you have to fill in your identity information.
How to calculate the credit limit of Huabei
Roughly related to Alipay's historical balance of payments, activity, balance treasure deposits, credit card bills, arrears history and other factors, in general, the more authentic you are, the less likely you are to run away and the higher the credit limit.