After the Alipay online business loan is borrowed, will it affect the bank’s normal loans?

It will affect. Overdue credit reports will affect the bank's normal lending.

The "Personal Housing Loan Management Measures" have corresponding provisions:

Article 5 The borrower must meet the following conditions at the same time:

1. Have urban Permanent residence or valid residence status;

2. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan;

3. Have a contract or agreement to purchase a house;

4. If there is no housing subsidy, no less than 30% of the total price of the house purchased will be used as the down payment;

5. There are assets recognized by the lender as mortgage or pledge , or an entity or individual with sufficient compensatory capacity serves as the guarantor.

Extended information:

Alipay online merchant loan application conditions:

1. Paid membership of the International Station.

2. The applicant is the legal representative of the enterprise or the person in charge of the individual industrial and commercial household, aged between 18-65 years old, and a mainland Chinese resident who has settled in China for a long time.

3. The industrial and commercial registration place is in mainland China.

4. Industrial and commercial registration time = 1 year; total sales amount in the past 12 months = 1 million.

5. The company’s legal representative (special) and main business cannot change within one year.

6. If there is a non-seasonal shutdown in the past year, you cannot apply for a loan.

Baidu Encyclopedia - "Measures for the Administration of Personal Housing Loans"

MyBank - Online Business Loans - Rules of Online Business Loans Do Online Business Loans Affect Credit Reporting

Take Alipay version 10.2.50, Apple 13 (IOS15.2 system), and Huawei mate40 (HarmonyOS2 system) as examples. Whether online merchants apply for loans frequently in a short period of time or fail to repay overdue loans, they will have a negative impact on the borrower's credit report. corresponding impact. Whether online merchant loans affect your credit report mainly depends on the usage. Every time you apply for an online merchant loan, you need to check your personal credit record. All loan records will be uploaded to the database of the Credit Reference Center of the People's Bank of China by the online merchant bank.

However, as long as the borrower repays on time, does not borrow frequently, and maintains good personal credit, it will generally not have a bad impact on personal credit. On the contrary, if the borrower borrows frequently and makes late repayments many times, these records will be uploaded to the personal credit report, which will have a relatively large impact on the personal credit.

Online Commercial Loan is a loan product launched by MYbank. Online Commercial Loan is connected with the credit reporting system, and the user’s loan record will be uploaded to the credit reporting system. If a borrower is overdue, there will be detailed overdue records on the credit report, which will have a negative impact on the borrower whether he applies for a loan or a credit card in the future. There will be no negative impact if the borrower is able to repay the loan on time.

Online merchant loans will incur high penalty interest as long as they are overdue for one day. In addition to calculating penalty interest on the principal of the loan, online merchant loans will also calculate penalty interest on the interest generated on the statement. The interest accrued for one day of overdue payment is the overdue bill amount × interest rate × 1.5 × 1. The longer the overdue period, the more penalty interest will be incurred.

Overdue online merchant loans will affect the borrower's personal credit in Alipay, and will especially have a serious impact on the borrower's Zhima credit score. If an online merchant loan is overdue for one day, Zhima credit score may be reduced or the accumulation of Zhima credit score may be slowed down. After the Sesame Credit score is reduced, many credit-free features will no longer be available. It’s the end of the year and the online business loan will be repaid soon. Will the credit card be affected?

It will have an impact!

First of all, online business loans are subject to credit reporting. If you still can’t get credit, you will definitely be subject to credit reporting. If the credit report shows that the online business loan is overdue, the credit card center will definitely think that there is a problem with your repayment ability and personal credit, and the limit may be reduced or the card may be blocked!

Online Commercial Loan is a loan product promoted by MYbank, which is the first commercial bank in China whose core system is based on cloud computing architecture, initiated and established by Ant Financial as a major shareholder.

On the surface, online business loans are not related to credit cards, so overdue loans will not affect the credit card. In fact, it is not the case, and the reasons are as follows:

1. As a loan product of MYBank, Online Shangdai is connected with the central bank's credit report. If the credit report is overdue, it will affect the future application for credit cards.

2. Credit cards processed before the expiration date are theoretically unaffected, but all credit card issuing banks have special risk control systems that will detect the user’s card usage and credit information. Therefore, if the online merchant loan is seriously overdue, the credit card is likely to be reduced or even blocked.

Therefore, temporary difficulties are inevitable, but do not avoid debt or deal with it passively. You can regard debt as a stepping stone, deal with it actively, work hard to repay it, step over it, and you will be greeted by a better life.

I don’t know, why don’t you give it a try...anyway, the credit report will say that your online business loan is overdue. Will the overdue online business loan affect the use of your credit card?

Online Business The loan is connected to the People's Bank of China's credit reporting system center. Once it is overdue, it will be reported to the credit reporting system, which will have an impact on personal credit reporting.

A damaged personal credit record will inevitably affect a person’s credit card application, causing the credit card application to fail due to credit reasons; for users who already have credit cards, damaged credit will lead to Personal credit card limits have been reduced.

Loan overdue usually means that after the loan expires, the borrower fails to repay the loan principal to the bank that issued the loan according to the loan time limit stipulated in the loan contract without going through the relevant extension or re-loan procedures. and interest, thus causing the loan to exceed the agreed period.

Online Business Loan is an operating loan launched by Online Merchant Bank for small and micro business owners and individual entrepreneurs, which can meet the financial needs of users in the business process.

Online merchant loan application process:

1. Log in to Alipay, click on My, and see Internet merchant loan

2. Click on Internet merchant loan and enter the Internet After entering the business loan page, click below to borrow money

3. Enter the amount you want to borrow on the loan page of the online business loan and select the borrowing time;

4. Then You can see the amount you need to repay every month. After confirming that there are no problems, just click Next

5. After entering the online merchant loan confirmation information interface, click Collection directly. Select the payment account for the account, then click Confirm Agreement and Use

6. The next thing to do is to enter Alipay authorization. After the password is entered correctly, you can successfully borrow money.

Comparison of online merchant loans and bank corporate loan products

The main features of online merchant loans are: fast disbursement, no need to open a physical card, borrow and repay anytime, low application threshold, no Specific tax invoicing requirements and high frequency.

Characteristics of bank corporate loan products: most application processes are longer, require opening an account (personal card or general corporate account), large amounts, low interest rates, diversified products, high requirements, and have implications for business operations. requirements, low frequency.

In terms of interest rates, MYbank’s online business loan interest rates are relatively higher, higher than bank corporate tax loans, government guarantee fund loans, export tax rebate loans, guaranteed loans, etc., and lower than bank personal flow rates. point.