Anyone who has Alipay can click to apply for this credit product, mainly based on the sesame credit score. As for the qualification for opening a loan account, the official statement is that on the basis of meeting four conditions, the comprehensive evaluation criteria can only meet the conditions for opening a loan account.
The four basic conditions are as follows: Alipay account completes real-name authentication; The account status is normal and has not been appealed; The account is bound to the mobile phone; The account has been bound with a savings card. After meeting the above four basic conditions, everyone can try to open a loan.
The detailed opening process is as follows:
1, Alipay account must complete real-name authentication.
Alipay real-name authentication is an identification service provided by Alipay (China) Network Technology Co., Ltd. Passing Alipay real-name authentication is equivalent to having an Internet ID card.
Because ant borrowing is a credit loan, you need to verify everyone's identity information to get the initial account opening qualification. The specific authentication methods are as follows:
1) Open the Alipay account, log in to Alipay, click the basic information of account settings, and authenticate immediately.
2) Enter personal ID card, name and other information, and the system will identify whether it is necessary to continue to use express bank card verification or face scanning verification. It is more convenient to recommend using a bank card. There is no need to open online banking, as long as my ID card is opened.
3) Complete face recognition and verification on the mobile phone.
4) You must also upload photos of the front and back of your ID card.
5) After submission, the audit can be completed within 24 hours, and then the certification results can be viewed.
2. The account status is normal.
It means that the security of personal accounts should be improved, such as binding mobile phones, applying for Alipay digital certificates, and commonly used network environments (such as home), which are not frozen.
If the user account status is abnormal, then you can't open the Ant Borrowing Account to prevent criminals from stealing the user account, apply for the Ant Borrowing Account and then withdraw cash.
3. The account is bound to the mobile phone
This is one of the conditions for ants to borrow money. They must bind their mobile phone numbers to improve account security and receive repayment messages.
4. Sesame credit score
Sesame credit score is the lowest 350 points and the highest 950 points. The higher the score, the better the credit degree and the lower the possibility of default. If you want to borrow ants, you must meet the sesame credit score of 600 or above, otherwise you will be rejected.
Ant's overdue repayment will affect sesame credit score. For example, the sesame credit score was originally 700, and it may become 660 the next day. In addition, if loans overdue stays for one day, it will also appear in Sesame's bad credit record, preventing some users from handling other tasks.