How did you feel when you received a phone call from Alibaba telling me that there was an online merchant loan?

1. How did you feel when you got a call from Alibaba telling me that there was an online merchant loan?

Bad heart. I have to deal with many such swindlers every year. I have answered the phone many times, telling them that the online merchants can't get the loan, and they will all arrive soon, so be careful.

Second, what is Alibaba's online business loan?

Alibaba online business loan is a pure credit loan specially launched by Alibaba Finance for Alibaba member business owners. The maximum loan amount of online business loans is 6,543,800 yuan, and the loan period is 6 months and 654.38+02 months. As for the loan interest rate of online business loans, it is necessary to review the situation of enterprises in order to get the results. For example, if you borrow 654.38+ million yuan and repay the principal and interest monthly, the interest generated in 654.38+0 years will be at least 6000 yuan, with an average of about 8000 yuan.

3. What is Alibaba's one-stop traffic loan?

It seems that the previous advanced online merchant loan was renamed as parallel imports, which was launched by Alibaba in conjunction with several banks to help domestic small and medium-sized foreign trade enterprises develop.

Fourth, what is online business loan?

Online merchant loan is a loan platform for online merchant banks. Only qualified users can apply for personal business loans for small and micro enterprises and individual entrepreneurs. Online merchant bank is one of the first pilot private banks in China, which officially opened on June 25th, 20 15. The main customers of online merchant loans are Alipay customers and members of international stations. The longest repayment time for online business loan borrowers is 24 months, and users can repay the loan at any time after borrowing. Different users need different conditions when borrowing money. For example, Alipay customers must be 18-65 years old when borrowing money, and must have a good credit record. After applying for a loan, the online merchant should repay the loan on time. Before the repayment date of 12, the balance of Alipay, Yu 'ebao and the bound bank card should be recharged with enough amount, and then the system will automatically deduct the money. If the deduction time is missed, the user can repay the money manually. 1. It should be noted that overdue repayment will affect personal credit information, and subsequent loans cannot be borrowed. When users use online business loans, different users get different loan interest rates. Generally, the loan interest rate at the beginning is relatively high. With the increase of users' usage times, the loan interest rate of users will decrease, and the loan amount will increase in the later period, which can meet more needs of users. 2. What is the difference between online business loans and loans? Different platforms: online merchant loan is a loan product launched by online merchant bank, loan treasure is a loan product launched by Ant Financial, and lenders are Chongqing Small Loan Company and Shanghai Pudong Development Bank. Different users: Online merchant loans mainly serve small and micro enterprises and entrepreneurs, and serve ordinary consumers. The loan amount is different: there are two loan methods for online merchant loans, one is the express version and the other is the standard version. The maximum loan amount for express edition is 500,000 yuan, and the maximum loan amount for standard edition is 2 million yuan. The maximum loan amount is only 300,000 yuan. The application conditions are different: the online business loan requires the borrower to be an enterprise legal person or the head of an individual industrial and commercial household aged 18-65, and must be a member of Alibaba. Borrowing requires the borrower to have good credit information and certain repayment ability. Interest is different: the daily interest rate of online business loans is between 0.0 15%-0.05%. As for the specific daily interest rate, it will be decided according to the applicant's personal qualifications. The loan interest is calculated on a daily basis. At present, the daily loan interest rate of this platform is 0.0 15%-0.06%. If you apply for a loan of 1 ten thousand yuan on the platform, the daily interest rate is between 1.5 yuan and 6 yuan. Therefore, if you see someone who has an online merchant loan line, then the probability of this person is Taobao merchants. For the vast number of individual loan users, they are not qualified to apply for online business loans, so they can consider micro-loans and money-making similar to loans.