How long does Tmall open online business loans?

1. How long does it take for Tmall to open online business loans?

Now opening a store in Taobao Tmall, the financial pressure is getting bigger and bigger. In order to further expand the scale, many sellers have tried their best to apply for online business loans. Online merchant loan has a loan product specially provided for Tmall shopkeepers, which is mainly used for the operation, promotion and marketing of Tmall stores. The application process is simple, so what application conditions need to be met? Let's take a look. I. Precautions for Application 1 Only Tmall Mall sellers can apply for two loan terms in the name of the enterprise, which are divided into six months and 12 months, with three turnover lines. You can apply many times a day as long as you have cable. 4 Require Alipay account to complete real-name authentication (bank payment authentication and ID card double-sided authentication). There are restrictions on the opening area, so it is necessary to check whether the actual business location has been opened.

Second, Taobao Tmall credit loan application conditions 1, loan application account requirements 1 store-bound enterprise Alipay account 2 complete real-name authentication 3 store registrant 18 years old or older 4 Taobao store has been operating effectively for 2 months, with effective monthly transactions 5. Store credit record is good. 2. Application conditions 1) As of the loan application date, the store has 6 months, and there is an effective turnover every month; 2) Systematically review the comprehensive evaluation of the overall operation of the store (such as whether there is a penalty record on Taobao, whether there is a false transaction, whether there is a virtual product, whether there is infringement, product satisfaction, dynamic rating, refund, and whether there is a bad credit record in Ant Micro or other financial institutions, etc.). ) .3) You need to observe the relevant information of the subject for a period of time before you can enter. 4) Basic qualifications to be met: within the validity period of the contract. 3. I am a seller-store management-Taobao loan. Conditions for opening other online merchant loan products.

3. Is there any restriction on the use of online merchant loans?

The money borrowed by online merchants cannot be used casually. Due to the business loans provided by small and micro enterprises and individual entrepreneurs, the funds borrowed by customers can only be used for production and operation, such as flowing, or purchasing and updating business equipment, paying for leasing business premises, etc.

Customers can't use online business loan funds for personal daily consumption, nor can they be used for real estate, investment and wealth management. Once the online merchant bank finds that the customer has used the online merchant loan funds for purposes beyond the prescribed scope, the online merchant bank is likely to ask the customer to pay off in advance.

If customers need to use funds for daily consumption, they can go to Alipay of ordinary consumers and Alipay reserve fund, or directly open ant flower beds for daily consumption payment, or financial institutions apply for credit consumption loans.

Online business loan is an operating loan launched by online merchant banks for small and micro business owners and individual entrepreneurs, which can meet the capital needs of users in the course of business. Loan interest rate: the monthly interest rate is 0.75 ~ 1.5%, with daily interest. The repayment method is equal repayment.

Customers who can apply: Taobao Tmall shopkeepers and other "online merchants" who open stores online; Small and micro enterprises, individual industrial and commercial households and individual operators engaged in production; Customers who use the online merchant bank app for a long time and buy online merchant bank wealth management.

Agricultural planting, breeding, agricultural products processing and other three rural users.

Restaurants, mobile phone shops, small shops, and offline "code merchants" who use QR codes to collect money; If you meet the above conditions, then continue reading.

The applicant must have a real-name Alipay account, and be over 18 years old and not over 65 years old. The applicant has no bad credit record or debt record.

Net, click mine and watch online business loans. Click on the online business loan, enter the online business loan page, and click on the loan below. Enter what you want to borrow on the loan page of online business loan.

After that, you can see that you need to confirm that there is no problem every month. Just click Next. After entering the online merchant loan confirmation information interface, directly click the collection account to select the collection account, and then click the confirmation agreement to use. After you enter the Alipay authorization and enter the password correctly, you can successfully borrow money.

4. After Tmall is punished, how long can it use Taobao loan business?

Depending on the degree, some are one month and some are half a year.

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