Ali credit loan platform

Is Ali Microfinance Reliable?

Ali is reliable and is a credit loan product launched by Ali Finance. Mainly for Alibaba member loans. Loans do not need to provide third-party guarantees or mortgages. You can get a loan on your own credit. The main clients are self-employed, small business owners and small workshops. The loan amount ranges from 1 0,000 to 1 0,000,000.

Ali application conditions:

1. You need to be a member of Alibaba TrustPass or a member of China suppliers, and it takes more than 6 months to register as a member. If you change from ordinary member to paid member, the time needs to be counted from the registration of ordinary member.

2. The registered address of member enterprises must be in Hangzhou, which means that member enterprises registered in other places cannot apply for Ali.

3. The loan applicant must be at least 18-65 years old, a citizen of China and the legal representative of the member enterprise.

4. There is an Alipay account with a real name, and Alipay has a good use record.

How does Ali apply?

1. Open the Alibaba website, download the application form from the website, fill it out and upload it to the platform;

2. Submit the information required for the loan.

(1), the bank flow of the loan enterprise.

(2) Alipay account number, real name and good use record of the legal representative of the loan enterprise.

(3) The bank card account number of the legal representative of the loan enterprise can only have one of the following debit cards: China Merchants Bank, Shenzhen Development Bank, Shanghai Pudong Development Bank, Industrial Bank, Minsheng Bank, Guangfa Bank, Bank of Communications, Agricultural Bank, China Construction Bank and Industrial and Commercial Bank.

Open the software and fill in the loan information according to the page prompts. There will be a platform customer service for telephone audit. On the loan homepage, you can choose 3, 6, 9, 12 loan installments. The longer the repayment time, the more interest, and the less the monthly repayment pressure. After confirmation, wait for the platform audit call.

3. Verify whether it is my loan through video.

The loan was approved, and the amount was approved.

5. Loan issuance: The borrower repays the loan in full and on time according to the requirements of the platform on a monthly basis.

How is the interest rate of Ali credit loan calculated?

Ali's credit loan bears interest on a daily basis, and it can be taken at will, with or without interest. Average daily interest ≈ 0.05%.

The maximum personal loan amount of Ali Credit Loan is 6,543.8+0,000, the loan period is as long as 654.38+0.2 months, the daily interest rate is as low as 0.038%, and the repayment method is equal monthly principal repayment.

In case of overdue, Ali Credit loans overdue days interest will be charged at 0.5 times of 65438+ normal interest.

For example, if client Wang Boss borrows RMB 65,438+10,000 on October 0, 2065,438+02, after signing the contract on that day, RMB 65,438+10,000 will be immediately released to the bank card account bound by Wang Boss, divided into 12 installments, and the principal and interest of each installment is about RMB 9,200 to RMB 2065,438+02. If Mr. Wang prepays, the prepayment fee of 3% will be charged for the prepayment principal.

Extended data:

Ali Loan is one of Alibaba Financial's financing service brands for small and micro enterprises, mainly targeting small and micro enterprises on Alibaba B2B platform.

Ali loan application conditions:

1, a member of Alibaba China Station or a member of China suppliers, with a certain operating record;

2. The applicant is the legal representative of the enterprise or the person in charge of individual industrial and commercial households, aged between 18-65, and a resident of Chinese mainland;

3. industrial and commercial registration is located in Zhejiang, Shanghai and Jiangsu provinces and has been registered for 2 years;

4. The total sales in recent1February shall not be less than10.5 million yuan.