Online merchant bank online merchant loan

How to apply for a bank loan from an online merchant? Online merchant bank loan application conditions

Online merchant bank loan application: how to apply for online merchant bank loan?

If you are an individual consumer, you can try to APPly for ant borrowing through the online merchant bank app or Alipay app on your mobile phone.

If you are an operator in Wechat business, you can try to apply for a loan from Alipay-My-Online Business Loan, or you can try to apply for a loan from Online Business Bank APP- Loan. At the same time, you can also visit loan.mybank.cn on your computer and choose the corresponding membership type to log in and try to apply.

Subject to the page display. If not, the application is temporarily not supported.

What are the loan conditions of online merchant banks?

1. As a Taobao seller, only by maintaining good store operation can you get the quota. (Note: It is reported that the current loan project is only developed for Taobao sellers, and ordinary users can only buy financial products or funds. I believe that it will gradually and fully open up in the future. )

2. Taobao stores need to operate effectively for more than 6 months, and the level needs to be above 1 diamond.

3. Maintain a good credit status.

To meet the above three conditions, the online merchant bank will open various loan items for online merchant loans to sellers and friends:

① Order loan and prepayment order loan (the difference between order loan and prepayment)

② 6-month loan for Taobao store operation, 12-month average fund and portfolio loan (introduction of exclusive credit loan for Taobao store).

Generally speaking, the amount of personal shops with good credit will be around 1 10,000 yuan. If it is an enterprise store, the amount will be much larger, and the specific amount will be between 0-65,438+0,000,000 yuan. Therefore, it is very important to maintain the operating credit of Taobao stores.

Two. Matters needing attention in online merchant bank loan

Online merchant bank loans are mainly reflected in loan withdrawal, and special attention should be paid to the process. Because some Taobao shopkeepers responded that online bank loans directly in Alipay APP would occupy the amount of Alipay and affect the loan applications of other Alipay products. (Don't switch from Alipay app to online merchants! )

The correct way is: download the online merchant bank APP, transfer money at the online merchant bank, pay with Alipay inside, and then transfer money from the online merchant bank to the bank card in seconds, with no handling fee.

How do online merchant banks lend money?

Online merchant bank loan method:

First, users can enter Alipay to find the entrance of online merchant bank in my interface, and they can apply for a loan according to the page reminder. Note that not all Alipay users can directly find the loan entrance of the online merchant bank on Alipay. If the online merchant bank is not opened on Alipay, they can't apply for a loan from the online merchant bank on Alipay.

Second, you can also download the APP of the online merchant bank directly. After registering and logging in, you can apply for a loan directly in the app on the loan page.

Online merchant banks have no offline outlets, and applying for online merchant bank loans can only be completed online. In addition, to apply for online merchant bank loans, the following conditions must be met: 1. The applicant is between 18-65 years old. Two, the applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, online shop operators. 3. industrial and commercial registration time reaches 1 year or above. Four, sesame credit score of 600 points or more, and has been real-name certification and opening the flower garden. 5. Personal credit record is good.

What are the conditions for online merchants, banks and online merchants to lend money?

Conditions: Chinese mainland citizen with full civil capacity, aged between 18 and 65. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, and the individual operator of Alipay. Sesame credit score above 600 points, real-name authentication Alipay account, opened the flower garden. Industrial and commercial registration time is not less than 1 year. Personal credit record is good, and there is no bad credit record on the credit report. To apply for an online merchant loan, just log in to Alipay, click "Online Merchant Bank" in the "My" interface, find the online merchant loan, click Enter, and then open it.

Operating environment: readmik30Pro AliPay APP version: 10.2.38.82.

1. However, it should be noted that online merchant loans are only open to some people at present, so not everyone can find the entrance of online merchant loans on Alipay. If you can't find it, you can download the online merchant bank APP, or log in to the online merchant bank official website to see if you can apply for an online merchant loan.

2. Other online merchant bank loan conditions are:

Personal bank accounts need to be bound with Alipay, and the industrial and commercial registration time of enterprise users should be at least 1 year. The borrower must be an enterprise legal person or the person in charge of individual industrial and commercial households, aged between 18 and 65, and a resident of Chinese mainland. Borrowers must be in areas where services can be provided, and some areas (Xinjiang, Inner Mongolia, Gansu, Ningxia, Hainan, Qinghai and Wenzhou) have not yet opened loan services.

3. What platform is online business loan?

1. Online business loan is a loan product serving small and micro enterprises and entrepreneurs. The online merchant bank is the first commercial bank whose core system is based on cloud computing architecture in China, which was initiated by Ant Financial as the major shareholder. Ant Financial is a financial service company under Alibaba.

2. How does the online merchant bank loan?

Open the mobile phone Alipay, click "My", and then click to enter the online merchant and download the online merchant's APP. To register an account, you need to scan your ID card online for verification, and then bind the bank card and Alipay account. Click on the loan. Enter the page where I want to borrow money, from which I can see that the order loan bears interest on a daily basis, and the expected annualized daily interest rate is 0.0483% (a one-time handling fee of 0.2% is charged for early repayment). Enter the page of average capital, with a loan of 10000 yuan, which can be used for 12 months. It is expected that the annualized daily interest rate will be 0.05%, just like when ants borrowed it. If you borrow 1 0,000 yuan, the total interest is 987.92 yuan. The estimated monthly repayment amount will be displayed. The specific repayment amount is subject to the actual bill after the loan.

Operating environment: readmik30pro online merchant bank APP version: 8.8.3.

Online merchant bank loan threshold

Loans provided by online merchant banks are collectively referred to as online merchant loans, among which there are various credit loan services. The following are the application conditions for self-employed and Ali credit loans.

First, the threshold for loans to self-employed.

1, industrial and commercial registration time 1 year and above.

2. The applicant is an individual operator of Alipay.

3. The age is between 18-65 years old.

4. The legal person has good credit.

Second, Ali credit loan threshold

1 is a member of Alibaba China Station, China Supplier and Alipay.

2. Mainland residents whose legal person is between 18-65 years old and who have lived in China for a long time.

3. The address of industrial and commercial registration is in the Mainland.

4. industrial and commercial registration time is 6 months or more.

5. The industries applying for loans should meet the requirements of Ali credit loans.

6. The enterprise operates normally within one year.