A good term loan has a high interest rate. The interest rate of good-term loans is close to 0.5 ‰, which is close to the interest rate of credit cards. Compared with other popular products, the number of ant loans is 30,000 to 50,000, as is the micro-loan on WeChat QQ. The interest of such products is acceptable for some small loan companies, but it is higher for bank consumer loans. Of course, the application will be much more convenient than bank loans.

Through simple analysis and comparison, it is not difficult to see that there is not much difference between good-term loans and borrowing treasures in terms of product background, early repayment and other factors. The biggest difference is actually reflected in the application conditions and loan interest rates. Judging from the data published so far, it is obvious that in terms of saving money and interest, borrowing loans is the lowest, followed by loans with good maturities.

1, Introduction to Zhaolian Premium Term Loan

Lucky Treasure Good Term Loan Version 4.2 is a business quietly launched by Alipay on April 20 15 14. At present, sesame credit can be found in Alipay wallet to learn more. We can use Zhilian Good Loan to borrow quickly and solve the problem of money for your life and work.

2. Loan conditions

The loan is very simple, prepare personal identification: ID card, residence permit, household registration book, marriage certificate and other materials; Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other related certificates; Provide proof of stable income source: bank flow sheet, labor contract, etc. Other information required by the bank. Then download Alipay, and enter the information to fill in the term loan.

3. Loan risk

Zhaolian Good Term Loan is the product of cooperation between Alipay and Zhaolian Consumption Company. Unlike the previous Ant Micro-loan, it is not a company with similar functions, but the loan amount and project establishment are different. Committed to providing loan consumption for everyone, or small investment by other users. It is a loan activity jointly created by Alipay and the bank, no doubt.

4. What is the interest rate of Zhilian Liangyuan Loan?

It is understood that the daily interest of Zhaolian Good Term Loan is 0.0495%, which is equivalent to the annual interest rate 17.82%. Repayment method: equal principal and interest can be repaid at any time, with interest = loan principal x loan days x 0.0495%; Repayment in advance: interest will be calculated on a daily basis, with no penalty interest.