At present, many loan platforms have not been connected to the central bank's credit information. As a private credit information system with the largest user base, the sesame credit score launched by Alipay is still of great reference value.

As far as I know, with a sesame credit score of 600, you can apply for the following loans:

1, excuse me

Sesame credit score of 600 points or above can only be used to open loans, but whether it can be opened and the specific loan amount are determined by the evaluation results of Alipay system. The loan amount is generally 1 0,000-300,000 yuan, and the loan interest rate is 1 10,000-10.5 million yuan, subject to the page reminder when borrowing.

2. Scaffolding

You can apply directly on Alipay, and you can apply if your personal sesame credit score is above 600. The maximum loan amount is 200,000 yuan, and it will arrive in 3-5 minutes without any accident.

3. Comfortable flowers

As long as your sesame credit score is 580, you can apply, so your sesame credit score of 600 is naturally not a problem. The maximum amount of loan products for instant finance is 50,000 yuan, and the daily interest rate is between 0.02% and 0.0483%.

What is the score of "Sesame Credit" before I can apply for a loan?

Sesame credit points can be used for loans. If your sesame credit score is above 700, you can open an Alipay loan. The amount is about 2000 yuan to 10000 yuan, with monthly interest and repayment at any time. The repayment method is divided into equal interest. It has the characteristics of simple application, fast loan, flexible loan repayment, transparent interest and expenses, and strong security.

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Loan:

I. Application conditions

Conditions for applying for personal loans:

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Second, the application procedure

1. Signing the subscription book: The customer signs the subscription book with the real estate development company that has signed the contract with the bank and pays the down payment to the real estate development company;

2. Application: The customer applies for mortgage at the law firm entrusted by the bank, including submitting personal data, paying various fees and filling out legal documents;

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged;

4. Other legal procedures: the law firm handles the insurance, notarization and mortgage registration of collateral;

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

To apply for a personal credit loan from a bank, you only need the loan applicant to have a stable job and income. The general loan amount is between 654.38+0,000-500,000, and the longest loan period is 5 years. Usually, the loan can be released within 1 working days after the data approved by the bank, which is a fast loan scheme with no mortgage and simple operation.

Loan cost:

(1) lawyer examination fee. In the process of applying for a loan, the bank requires the applicant to provide a legal opinion on personal credit issued by a lawyer entrusted by the bank, and this fee is generally borne by the applicant. This expense in Guangzhou is borne by the bank. The lawyer's entrustment fee is generally 3‰ of the loan amount.

(2) notarization fee. If the loan applicant is a husband and wife or a property buyer, others should make a statement whether they agree to mortgage the house to the bank, which needs notarization.

(3) Property registration fee. After the property buyers get the real estate license, they should go to the registration authority for mortgage registration and pay the registration fee.

(4) insurance premium. When applying for a mortgage loan, the borrower shall handle property insurance for the collateral. During the mortgage period, the insurance policy shall be kept by the lender, that is, by the lending bank.

What are the conditions for the use of Sesame Credit Loan?

Like bank credit, sesame credit can only be applied for loans in the corresponding places when it reaches a certain level.

Sesame Credit is Sesame Credit Management Co., Ltd., a legal and independent credit evaluation and credit management institution. Sesame Credit introduced by Sesame Credit is a social-oriented credit service system. Based on all aspects of information, it uses big data and cloud computing technology to objectively present personal credit status. By connecting various services, everyone can experience the value brought by credit.

Users can borrow with sesame seeds. The higher the sesame credit score, the better the credit degree. The lower the possibility of default, the larger the loan amount will be.

1, users with a sesame credit score of 600 or above have the opportunity to apply for the "flower garden" quota, and can use the "flower garden" to pay when shopping in Tmall and Taobao. Repay on June 10 of the next month after receiving the goods, and there is no handling fee during the period.

2. Users with a sesame credit score of 600 or more have the opportunity to apply for "borrowing". Depending on the score, the loan amount that users can apply for ranges from 1000 yuan to 50,000 yuan. The longest repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is 0.045%.

3. Users with a sesame credit score above 700 have the opportunity to apply for a "good term loan" with a loan amount of 2000- 1 10,000 yuan. The loan term is divided into 3 months, 6 months and 65,438+02 months, and the loan can be repaid at any time, with monthly interest. The repayment method is equal principal and interest.

Can Sesame Credit Score be a WeChat loan?

Wechat loans are not allowed, but you can apply for a flower garden quota above 600 points.

If the user's sesame credit score is above 700, you can open an Alipay loan, with an amount of about 2,000 yuan to 10000 yuan, with monthly interest and repayment at any time. The repayment method is divided into equal interest.

Borrowing is a consumer credit product under ant micro-loan. Users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans. According to different scores, users can apply for a loan of up to 50,000 yuan, and the amount applied can be transferred to Alipay balance. The longest repayment period of "borrowing" is 12 months, and the daily interest rate of the loan is 0.045%.

Extended data:

The comprehensive processing and evaluation of massive information data by Sesame Credit Branch mainly includes five dimensions: user credit record, behavior preference, performance ability, identity characteristics and personal relationship.

Sesame Credit can evaluate users' credit by analyzing a large number of online transactions and behavior data. These credit evaluations can help Internet finance enterprises to draw the conclusion of users' repayment willingness and repayment ability, and then provide users with fast credit granting and cash installment services.

In essence, "Sesame Credit" is a credit information system, which collects data from the government and financial system and fully analyzes the behavior records of users on platforms such as Taobao and Alipay.