1. Enter Alipay and find the entrance of online merchant bank in the "My" interface. You can apply for a loan according to the interface prompts. Note that not all Alipay users can find the loan entrance of online merchant bank on Alipay. If there is no online merchant bank on Alipay, they can't apply for online merchant bank loans on Alipay.
2. Download the online merchant bank's APP directly. After registering and logging in, you can APPly for a loan directly in the app on the loan page.
The above is how online merchant banks apply for loans.
The difference between financial loans and bank loans
1. Lending institutions are different: financial loans are loans from financial institutions and bank loans are bank loans. However, after the financial loan is maliciously overdue, it will not necessarily go to personal credit, and the bank loan will go to personal credit;
2. The threshold of loans is different: generally speaking, the threshold of financial loans is much lower than that of bank loans. For example, some financial institutions do not need to look at personal credit records, while bank loans depend on credit records;
3. The loan interest rate is different: the bank loan interest rate is much lower than the loan interest rate of the finance company. Platform companies have a variety of loan users, and some of them have poor credit status, so financial institutions will charge higher mortgage interest rates, and in order to better control credit risks.
Consequences of bank overdue
1, resulting in penalty interest: although the bank's policies are different, but personal credit loans overdue repays, the user will be reminded of repayment first, and the interest will be raised to daily penalty interest;
2. Bad credit record: After the repayment is overdue, the personal credit report will leave a bad record. Once a bad record is left, it is likely to be kept for 3 to 7 years. If you want to borrow money from other banks in the future, it will probably be difficult to apply because of your poor credit. If the repayment is overdue and the circumstances are bad, the mortgage and car loan will be affected. Penalty interest is only the loss of funds, but the bad credit record is an intangible loss, and the impact is irreparable;
3. Unable to enjoy preferential loans: Many people will leave a lot of overdue records on their past housing loans when applying for housing loans. In addition to the penalty interest, they may not be able to get the preferential interest rate of bank housing loans smoothly, or even apply for a mortgage again.
This article is mainly about how to apply for a loan from an online merchant bank. The content is for reference only.
Second, how do online merchant banks apply for loans?
Preferably at a local bank.
Lenders generally need to meet the following conditions:
1. China citizens with permanent residence in China and permanent residence in local towns and 18-65 years old;
2. Use records;
3. There is a legal and stable loan repayment book.
4. Other conditions stipulated by the bank.
3. How to register and successfully borrow from Alipay online merchant bank? I am a college student. ...
Hello!
You must have an online shop to use the online merchant bank.
If in doubt, please ask.
4. How to borrow bank loans from online merchants?
You can go to Alipay-My-Online Commercial Loan to apply for the corresponding loan, or you can go to the online merchant bank APP- Loan to try to apply. At the same time, you can visit loan.mybank.cn on your computer, choose the corresponding membership type to log in and try to apply. As the online business loan is an operating loan launched by online merchant banks for small and micro enterprises and individual entrepreneurs, whether it meets the requirements and whether it can be applied, please refer to the page display. If it is not displayed, the application is temporarily not supported.
The loan terms of online merchant bank are as follows:
1, industrial and commercial registration time: 1 year or above (if there is a pre-credit line, there is no such condition).
2. Member type: Alipay is operated by individuals.
3. The company name does not contain keywords: franchise stores, offices, sales offices and branches.
4. Age of legal person: 18-65 years old.
5. The legal representative has a good credit record.
6. There are no restrictions on industry, sales and financial indicators.
Attached:
Rules for repayment of online merchant bank loans:
1. The customer needs to recharge the Alipay balance and Yu 'ebao with enough money before the repayment date 12, and the system will automatically deduct the payment from 12 on the repayment date.
2. Some customers support the use of Alipay binding savings card, online merchant bank current balance and balance for deduction. The specific deduction channel is subject to the page display.
3. In order to avoid that the balance payment of Alipay exceeds the limit and the safety limit exceeds the limit, it is recommended that customers ensure that the balance treasure and related deduction channels have sufficient funds.