There is no limit. In fact, this loan is equivalent to borrowing money, and there is no agreed purpose, which is also an important difference from Huayuan and Tmall. It cannot be opened through loan application, and it needs to meet certain conditions. \ \ Alipay (China) Network Technology Co., Ltd. is a leading third-party payment platform in China and is committed to providing "simple, safe and fast" payment solutions. Since its establishment in 2004, Alipay has always regarded "trust" as the core of its products and services. It owns two independent brands, Alipay and Alipay Wallet. Since the second quarter of 20 14, it has become the largest mobile payment manufacturer in the world. \ Alipay mainly provides payment and financial services. Including online shopping secured transactions, online payment, transfer, credit card repayment, mobile phone recharge, water, electricity and coal payment, personal finance and many other fields. After entering the field of mobile payment, it provides services for retail department stores, cinema lines, supermarket chains and taxis. It also launched wealth management services such as Yu 'ebao. \ Alipay has established strategic cooperative relations with more than 80 banks at home and abroad, as well as institutions such as VISA and MasterCard, and has become the most trusted partner of financial institutions in the field of electronic payment.
Second, is there any restriction on the use of the money borrowed by Alipay?
There is no limit.
In fact, this loan is equivalent to borrowing money, and there is no agreed necessary use, which is also an important difference from Huayuan and Tmall staging.
Can't take the initiative to apply for opening. You need to meet certain conditions before you can open it. I hope I can help you.
3. Is there any restriction on the use of the money borrowed by Alipay?
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The money debited from the account can be directly transferred to the balance of Alipay account or transferred to the bank card bound by itself. When the money arrives, you can spend it yourself or transfer it to others. But don't forget to pay the loan on time. If it is overdue, it will affect personal credit and generate overdue fees.
The steps for ants to borrow money from Alipay are as follows:
1. After entering the Alipay homepage, click more icons in the middle of the page.
2. Find an ant loan on the right side of financial management, and click Enter.
At the top of this page, you can see the amount of money you can borrow. Click below to borrow money.
At the top of the page, you can enter the amount you want to borrow. At the bottom of the page, you can choose how to use it, how long to borrow it and how to repay it.
Generally, the money borrowed by ants can only be used for personal daily consumption, decoration, travel, education and medical care, so you can choose one.
6. The borrowing time is divided into three months and six months.
7. Finally, other options are available by default, and then you can borrow money by checking the agreement below and clicking OK.
Extended data
Excuse me. Malicious overdue will have a bad record
From the interest point of view, although the interest rate of third-party lending platforms is not the lowest, many young people like to borrow money from them. The reason is that, on the one hand, compared with bank lending, Alipay, WeChat and other lending procedures are very convenient, and you can apply with your finger on your mobile phone and get it immediately;
On the other hand, many people think that if you borrow money from Alipay and WeChat, once you can't repay it in time, you won't go to the bank's credit information system like a bank loan, leaving a credit stain, which will lead to no loan when you buy a house in the future.
But in fact, this may not be the case. The reporter noticed that "Ant Borrowing" claimed that overdue records would be recorded in Sesame Credit and uploaded to the basic database of financial information as required; The "Ant Flower Garden" also said that "overdue repayment will generate corresponding overdue interest, and overdue records will be submitted to Sesame Credit, which will affect Sesame Score and may have a negative impact on user credit. "
In this regard, the reporter recently consulted Alipay customer service, and the other party said that if it is purely "flowers" and "borrowing", it will not be reflected in the central bank's credit record at present. However, if it is seriously overdue, then this overdue record is likely to be reported to the central bank's credit information system.