Who are these god-level figures who borrowed interest from Alipay at RMB 30,000 and RMB 2.50,000?

People who borrow Baibei with daily interest of RMB 30,000 and RMB 2.50 are all die-hard Alipay fans. Only loyal fans of Jiebei can enjoy this treatment! This means that people who often use borrowed money will send interest to these great figures like Jack Ma every month.

A joke about Jack Ma and Jiebei

Jack Ma is so rich, naturally there are many people borrowing money from Jack Ma, but as a relative and friend of Jack Ma, it is embarrassing to ask for a loan. Don't borrow. So Jack Ma thought of a way, which is to borrow money through Alipay. Since it is his relatives and friends, he will naturally reduce the interest rate on the loan, that is, he will give a daily interest of 1.5 million, so that relatives and friends will borrow money from Bei. , this way it won’t hurt your friendship, and you won’t be afraid that your relatives and friends won’t return the favor. Of course this is just a joke, but this phenomenon may also happen to Jack Ma in real life.

Analyze the interest of borrowing money

The daily interest rate of Alipay borrowing money is generally between 1.5 and 6. The interest rate of each borrowing user is different, which is converted into an annual interest rate. It is 5.475~24. When borrowing money, the interest rate of borrowing money varies greatly from person to person.

So from the perspective of Alipay’s daily interest rate, those who earn 30,000 to 25,000 yuan in daily interest are not great people. What is really more awesome are those who earn 1.5 yuan in daily interest. This is the real welfare. , Ma Yun is truly generous when he lends money to these people. It is already cheaper than borrowing money from the bank.

Who are the people who borrow 30,000 to 25,000 yuan a day?

The daily interest rate for Alipay loans is 25,000 to 30,000 yuan, which is converted into an annual interest rate of 9.125 to 10.95. This loan interest rate is higher than the bank interest rate, but the online merchant loan interest rate is somewhat lower than the same period last year. This loan interest rate is It is a normal interest rate. It is not only a great person who can enjoy this interest rate. It is a common phenomenon. So I think there are the following three types of people with this interest rate.

The first type of people: people who often use borrowed money

Nowadays, many people have developed the habit of withdrawing money for consumption. Everyone is living in overdraft, and they will wait until their salary is paid. Pay back the money and the cycle continues like this. Everyone is a person who lives by borrowing money, and everyone is a person who gives money to Jack Ma.

So Jack Ma is also a good person. Since each of these people makes money for themselves, give some profits to these people and encourage these people to use borrowing more often. This is called small profits but quick turnover, so Jack Ma gives these Some benefits are provided to people, including reducing the interest rate for borrowing money from RMB 25,000 to RMB 30,000.

The second type of people: people who don’t use borrowing money

There is another type of people, these people are rich themselves and will not borrow Jack Ma’s money to live their lives. And borrowing money also requires making money. Need to find potential customers. Without some discounts, how could these people who are not short of money use Jiebei and make money with Jiebei? Therefore, the borrowing interest will be relatively low, or even lower, to stimulate these potential customers. This is Jack Ma's cleverness.

The third type of people: people who are related to Jack Ma

People who are related to Jack Ma, such as seven aunts and eight aunts, as well as relatives, friends, colleagues, employees, etc. A lot of people. As a result, the borrowing interest rates of these people have been lowered, which is also regarded as a kind of welfare for these people, and it is also Jack Ma's indirect help to these people in need around him.

Based on the above analysis, people who earn daily interest rates of 25,000 to 30,000 yuan for borrowing money are most likely to be the above three types of people. What is your interest rate for borrowing money? Which of the above three types of people do you belong to?

Like it after reading it. I am rich. Thank you for reading and paying attention.

Many lending products in the financial market calculate interest at a daily borrowing rate of 3/10,000 to 2.5/10,000, which is actually a word game. Make you feel that the daily repayment amount is very low, and then promote the loan. But what about reality? The daily interest is three ten thousandths, that is, if you borrow 10,000 yuan, you need to repay 3 yuan every day. From this point of view, it is indeed a good deal. For 10,000 yuan a day, you only need to repay 3 yuan.

However, the annualized interest rate is as high as 10.95.

The bank loan interest rate within one year is 4.35, but the borrowing institution’s interest rate is twice as high as the bank, as high as 10.95.

As far as borrowing platforms are concerned, whether it is Alipay or other platforms, as long as the daily interest rate is settled, the basic annualized borrowing rate exceeds 10 or more, and there are even platforms that are above 20. Therefore, the daily interest rate is 3/10,000 or 2.5/10,000, which is not a god-level figure. For the platform, it is just that your credit is slightly higher, but the repayment interest rate is still high.

Alipay is designed to better assist people who need short-term capital turnover and find the banking process troublesome. Because the credit in Alipay is different, the daily interest rates given are different. But overall, borrowing rates are still on the high side.

Teacher Jin believes that the most cost-effective thing in our daily life is not the daily interest rate of 10,000 or 2.5 million on the borrowing platform, but the bank's credit card. Credit cards are also based on your credit, and generally people with higher credit will be given several times the amount you borrowed. As for credit cards, there is no so-called daily interest rate. It is interest-free until the repayment date. This is much more cost-effective than borrowing.

Most of the users of Alipay are young, such as the post-80s, post-90s, post-00s, etc. The credit system of the post-80s and post-90s has been basically established, and the credit card limits are generally higher. Therefore, in terms of interest payments, credit cards are much more cost-effective than borrowing from Alipay.

If you have a large loan, the current bank policies are also very good. As long as it is compliant and reasonable, the bank will generally lend you a loan, especially loans in the real industry, which are very supportive.

You must be wary of the way daily interest rates are calculated. Many of them are numbers games. The borrowing interest rate is really high and there are certain risks.

Alipay’s Zhima credit score is 766 points and its merchant credit score is 1615 points. The interest rate is 2.5/10,000. I have borrowed money several times, and the interest rates are neither low nor high. The annual interest on 100,000 yuan is about 5,000 yuan, which is just repayment of the principal and interest.

I didn’t borrow money, I only got loans from online merchants. Now I can borrow almost 200,000. I have never raised the amount, and it is said that one increase can increase the amount a lot. A friend tried to increase the amount, and mentioned it to more than 300,000, and then refused to borrow it. As a result, it was reduced to only 50,000 to 60,000 yuan.

This year, I borrowed 100,000 yuan for development. It was okay and I paid it back in 3 months. There is still more than 70,000 principal. I am very grateful to Alipay for giving me such convenience. I am the person who is most afraid of borrowing money from friends and relatives. Now that I have Alipay, I don’t feel panic. Although it is not my own money, when I need it urgently, it will arrive in my account in at most one minute.

By the way, I would like to complain about WeChat’s Weilidai. I receive hundreds of thousands of dollars in WeChat payments a year, but the Weilidai limit is only 19,000, and the interest is still 4.5% per 10,000. So drunk.

The total borrowing limit is 234,000, which is 1.5 million; it is almost finished. The Huabei quota is more than 40,000, but in fact, Huabei’s monthly consumption is only about 5,000. It will be repaid automatically when it matures, and Yu’e Bao sometimes leaves some money without moving. Sesame Point 806 has not been touched in two years. Keep the frequency of use relatively frequent. If you want to borrow, you can borrow small amounts first. If you have good credit, the rate will gradually decrease and the amount will gradually increase. If you feel that it is too high and it remains unchanged, then you can't move it. But there is a premise: you must control yourself well and pay back the money you borrow in a timely manner to ensure good credit.

Many people think that the current interest rates for borrowing money at RMB 30,000 and RMB 2.5 million are already very low interest rates. Indeed, as long as we ordinary people activate Ant Alert, the interest rates will basically remain at RMB 40,000 to RMB 25,000. Near 6. But few people know that the current lowest interest rate for Alipay loans is 0.5 million. You read that right, the daily interest rate is 0.5 million.

Of course, the amount corresponding to this cheapest borrowing interest rate is also very high. As far as I know, those who can currently get RMB 0.5 are basically employees within Ant Financial, and this is one of their entry benefits. The quota is generally maintained at 500,000 yuan and 1 million yuan, which is divided according to the employee's entry level.

So as long as you are not an employee of Ant Financial, it is difficult for ordinary people to get a loan with a daily interest rate of 0.5 million. As for the 25,000 to 30,000 mentioned in the title, they basically belong to the very early batch of users who first started using Ant Borrowing, including the first internal beta users. This group of users has been screened by quota, including the initial credit rating.

So we don’t need to envy those who borrow money at very low interest rates. Our borrowing is basically to meet daily urgent needs. You must know that every amount of borrowing is now displayed on the tax collection page. On the letter, if it is overdue, it will cause irreparable damage to your credit life.

I think it’s normal. I’ve been using Alipay for about 10 years, and I’ve kept all my properties, vehicles, and everything that can be bound to Alipay. Does anyone think this is safe? But if you want Alipay to lend you some money, always You need to provide evidence to prove that you are able to repay. Moreover, I have been using Alipay to borrow money. I am very grateful to Alipay for letting me no longer need to borrow money from relatives and friends. It is better to pay back with some interest than to owe a favor! The borrowing limit is RMB 220,000, the interest is RMB 30,000, and the sesame points are 778. I haven’t seen anyone with more money than me in my life!

Mr. De’s borrowing interest rate is 3.5, the limit is 45,000, and the Zhima credit score is 765, but I have never used it. Why? It’s just that people are too stupid, and Alibaba and Alipay are too smart, so I’m afraid of being tricked by them.

With more than 20 years of financial experience, I can basically deduce the data model of low-interest rate borrowers. In fact, there are mainly two types of people: a group of people who Alipay believes are extremely low-risk; and people who Alipay believes are very active in consumption. , relying on a group of people who borrowed money (they are god-level figures).

The contribution of these two types of people to Borrowing is also based on the 28 principle. The first group of people can contribute up to 20% of profits. We have to praise Madagascar for her very high emotional intelligence and her thorough understanding of human nature.

1. The basis of borrowing the risk control model.

Jiebei’s identification of people is mainly based on Sesame Credit scores and other related supporting materials. It can accurately draw a portrait of the user. The more information we upload to Alipay, the more data we use, and the stronger our reliance on Alipay, the higher our Zhima credit score will be. I have tested it repeatedly. After I uploaded my credit card and car insurance information, my Zhima Credit score increased a lot.

When Alipay believes that the user's daily behavior is very regular, the economic situation is very healthy, and the degree of trustworthiness is very good, he will first increase the loan amount and give the interest rate to 3.5. Just like opening a net, waiting for users to enter the network.

2. Alipay believes that a group of people with extremely low risks are actually less likely to use borrowing on a daily basis, because banks will also provide them with credit facilities. Don’t forget, everyone will accrue interest every time you borrow money. Credit cards and Huabei are interest-free. Therefore, this group of people generally use interest-free credit instruments and will never borrow. If the interest-free limit is full, they will use bank cards to pay. They will not borrow money easily and their financial status will be good. So, Alipay sets up a net to catch fish.

3. Alipay believes that consumption is very active and relies on a group of people who borrow money. They are the main contributors to borrowed profits and are also Alibaba’s strongest customer base. Whose money does Taobao make? Jiebei is basically the same group of people. Basically they keep their word, but they need to rely on Huabei and Jiebei for turnover expenses. Alibaba has created a closed consumption loop and lowered interest rates, trapping this group of people within its ecosystem.

For those who really have a need for borrowing money from Jiebei but do not spend crazy money, Jiebei will not lower the interest rate. They are borrowing the source of excess profits.

Ali is so smart. On the one hand, Mr. De admires it, but on the other hand, he keeps a distance. Therefore, he observes, compares and uses Ali's products very carefully, for fear of being caught in the Internet and unable to extricate himself.

Mr. De transforms finance and financial management from professional to popular. If you think it is good, please pay attention and give it more likes.

The daily interest rate for Alipay borrowing is 2.5 to 3 ten thousandths, which is equivalent to an annual interest rate of 9 to 10.8. This level is already good, but it is not enough to be called a great! In our office, there is a female colleague who borrows money with a daily interest rate of only 1.5% per ten thousand, and the equivalent annualized interest rate is only 5.4%. This is really amazing!

I made a simple comparison with myself. I am still born in the 90s and it is great to be young! If it were me, I would definitely not, let alone dare to use Huabei and Jianbei frequently! For my personal loan, the daily interest rate is 5%, and the annual interest rate is as high as 18%. I would rather overdraw my credit card than use a borrowed one! This is probably one of the main reasons why I borrow money with relatively high interest rates!

Well, answering this industry topic, I hope my answer will be helpful to you!

I looked at the answers from other friends and found that the interest rates for borrowing and spending are very low for many people. But I’m sorry, I am a leek harvested by Alipay!

I have an Alipay loan limit of 130,000. I have used it occasionally before and it has never been overdue. But Alipay increased my borrowing interest rate from 30,000 yuan to 60,000 yuan. Due to the special situation recently, I borrowed 100,000 from Alipay, and the interest for one month is 1,800. Calculated as an annual interest rate, this is basically the same as a loan shark. There is no other way. At this time, I can only bite the bullet and borrow it!

To be honest, my credit is so good, but my interest rate is so high. You said there are 20,000 people, but I have never seen them in my circle of friends. The best one is the one I had before. If the interest rate is really 20,000 yuan, I can borrow as much as I want.

Conclusion: Alipay has been mainly engaged in payment since its birth. But now Alipay has changed its original intention. Not to mention the fancy version, it has also introduced various forms. To be honest, I am a little disgusted with Alipay now.

Logically speaking, the level of borrowing interest should have a great relationship with the user's qualifications and credit. However, if you look carefully, you will find that personal qualifications and credit have no impact on borrowing interest. It’s not that big. Those who borrow with interest of only 30,000 yuan or 2.5/10,000 are not necessarily great figures. Many losers can also get interest rates of 30,000 yuan or 2.5/10,000 yuan.

Everyone knows that the interest rate for borrowing money is between 1.5/10000~5/10000, but most people’s interest rates are basically between 4/10000~5/10000, and only a few people You can enjoy low interest rates between 1.5/10000~3/10000.

As for who can get low interest rates, I don’t think there is a rule to follow. For example, I own a house and a car, and I have a lot of monthly income. My credit has never been overdue, but I use Alipay less frequently, so my borrowing interest rate is 4/10000. Another friend of mine owns no house or car, and often has high overdrafts on his credit card. However, because he often uses Alipay and purchases on Taobao and Tmall, his borrowing interest rate is relatively low, only 3/10,000.

What is even more exaggerated is that I have a friend who works as a doctor in a hospital. His monthly income is at least 30,000 yuan. He also owns a house and a car. He pays normal provident fund and social security. , and there is no overdue credit. Logically speaking, this kind of customer group with high-quality professional income should be able to get a lower interest rate. However, this friend’s borrowing interest rate is actually higher than mine, and the borrowing interest rate reaches 4.5 /10000. His conditions are so good, why is the borrowing interest rate so high? I think an important reason is that he has never used borrowing. Although his borrowing limit is 60,000 yuan, he does not need the money at all, so Haven't used it either.

So I don’t think there is a fixed standard for what kind of people can enjoy lower borrowing interest rates. However, by observing everyone's borrowing interest rates and their own conditions, we can see that those who have good conditions, good credit, have fixed assets, frequently use Alibaba's products, and frequently use borrowing may have lower interest rates.

It can be seen that having a lower borrowing interest rate is not a big miracle. Many losers can also enjoy lower borrowing interest rates.

The interest rate for borrowing money is automatically assessed by the system, not manually. Therefore, if you want to lower the interest rate for borrowing money, you must follow some of the system’s evaluation standards. Let’s highlight the key points. , the details are as follows.

1. Never know that there is an overdue payment.

Whether it is a credit card, other loans, or borrowing money or spending money, you must repay it on time and avoid overdue payments. This is the prerequisite for obtaining a lower interest rate. If this prerequisite is not available, then everyone should not Thinking about having a lower borrowing interest rate.

Second, provide more asset certificates.

Upload fixed asset certificates such as real estate certificates and vehicle driving licenses in your personal information, and bind provident fund, social security and other accounts so that the Alipay system can recognize that your own strength is relatively strong.

Third, often use borrowing money.

Many people borrowing money at interest rates are basically between 4/10000~5/10000 at the beginning. This estimate is also given by the system. out the initial interest rate. And when you use Jiebei, if you perform well and repay normally, the interest rate may be reduced the next time you borrow money. If you use Borrower frequently and make normal repayments every time without any overdue payments, you may be able to enjoy an interest rate of around 3/10,000.

Fourth, use the borrowed interest rate coupons.

The three points we mentioned earlier are not achievable in the short term, but need to be systematically evaluated before they can be converted into lower interest rates. This is of no use to friends who are in urgent need of money, so if you want to lower the interest rate of Borrowing in the short term, the simplest and crudest way is to use Borrowing's interest rate coupons. However, these interest rate coupons are not available every day and can only be obtained when Alipay is conducting activities.