Alipay borrows money to review SMS interception

This is a promotional advertisement sent by Alipay to Alipay customers in order to promote loans. If you receive such a short message, it doesn't mean that you can open a loan.

At the time of application, Alipay will comprehensively evaluate the user's credit status and asset status. If you maintain a good credit record at ordinary times, you will usually hold assets in Alipay, and you will be rated as an excellent user at the time of evaluation. If you borrow it, you have a great chance of passing it.

It is suggested to keep a good credit record when using Alipay, such as paying back the flowers on time and maintaining the good habit of daily credit, which will play a good role in the evaluation results.

Extended data:

Ant borrowing opening conditions:

1, Alipay account must complete real-name authentication.

Alipay real-name authentication is an identification service provided by Alipay (China) Network Technology Co., Ltd. Passing Alipay real-name authentication is equivalent to having an Internet ID card.

2. The account status is normal.

It means that the security of personal accounts should be improved, such as binding mobile phones, applying for Alipay digital certificates, and commonly used network environments (such as home), which are not frozen.

If the user account status is abnormal, then you can't open the Ant Borrowing Account to prevent criminals from stealing the user account, apply for the Ant Borrowing Account and then withdraw cash.

3. The account is bound to the mobile phone

This is one of the conditions for ants to borrow money. They must bind their mobile phone numbers to improve account security and receive repayment messages.

4. Sesame credit score

Sesame credit score is the lowest 350 points and the highest 950 points. The higher the score, the better the credit degree and the lower the possibility of default. If you want to borrow ants, you must meet the sesame credit score of 600 or above, otherwise you will be rejected.

Ant loan interest rate:

The daily interest rate for ants to borrow money is four ten thousandths, and the calculated annual interest rate is 365*0.04%= 14.6%, so the total annual interest of one year 1000 yuan should be 146 yuan.

Ant borrows interest on advance payment:

The interest on prepayment is calculated on a daily basis, and there is no need to calculate the interest like installment repayment. The system will automatically calculate the interest according to the remaining principal. The shorter the repayment time, the less interest needs to be paid.