You can't borrow money from Yu 'ebao, which is a value-added service created by Alipay. When you transfer money to Yu 'ebao, you buy the Yu 'ebao Monetary Fund provided by Tian Hong Fund, and you can get income. The funds in Yu 'ebao can also be used for online shopping payment at any time, which can be flexibly extracted.

2. How does Yu 'ebao borrow money?

If you hold a deposit from China Merchants Bank, "Home → All → Loan → I want a loan".

Loan amount: the minimum is not less than 500 yuan, and the maximum is 200,000 yuan, but the specific amount shall prevail;

Repayment method: equal repayment of principal and interest;

Loan term: March, June, 12, 18 and 24 months are supported;

Borrowing fee: the daily interest rate is 0.045%, please use the border fee.

3. Can ICBC's e-loan be transferred to Yu 'ebao?

Rong E cannot be transferred to Yu 'ebao, which belongs to wealth management and does not meet the loan purpose.

According to the regulatory requirements, credit funds such as e-loan shall not be used for buying houses and repaying investments such as housing mortgage loans, stocks, bonds, futures, financial derivatives, asset management products, etc., and shall not be used for equity investment in fixed assets and other purposes prohibited by laws and regulations. In the event of the above-mentioned illegal transactions, the bank has the right to require customers to pay off the loan in advance. Please pay attention to the use of loan funds in compliance.

4. Can Yu 'ebao in Yu Can get a loan? How to borrow Yu 'ebao loan?

1. Can Yu Can's Yu 'ebao get a loan?

People often use loans in their lives. There are many kinds of loans, which are usually divided into mortgage loans and credit loans. There are also many ways and means of lending, such as bank loans. Besides bank loans, there are also some local companies. However, loans are also accompanied by such risks, and borrowers need to measure their economic ability when choosing.

Yu 'ebao is a value-added service created by Alipay, a third-party payment platform, for individual users. Users can get income through Yu 'ebao, or they can easily spend and transfer out at any time and place just like using Alipay balance. Moreover, users can purchase fund wealth management products directly on Alipay website, and the balance in Yu 'ebao can also be used for online shopping and Alipay transfer at any time. On the second working day, the fund company will confirm our share of funds transferred to Yu 'ebao and calculate the income of the confirmed share. Yu 'ebao is essentially a monetary fund. From this perspective, Yu 'ebao cannot be loaned.

From the essence of Yu 'ebao Monetary Fund, Yu 'ebao can't compare with the payment for goods. You can transfer money freely across banks and regions, but you can't borrow money. Some people think that Yu 'ebao will increase the cost of the whole society and subvert the real economy, but in fact, although Yu 'ebao will change the weight of demand deposits and time deposits in the whole society, it will increase the average cost of deposits and reduce the spread profits of some banks such as workers, peasants and China Construction, but it will not affect the loan interest rate.

2. How to borrow Yu 'ebao loan?

Yu 'ebao is only a monetary fund and cannot be used for loans, but we can use Alipay wallet to handle loans. Alipay's processing flow is as follows:

First of all, we need to log in to Alipay, click Wealth in the lower right corner of Alipay interface, then enter the page and click "Personal Loan". After entering the personal loan, you can see the current loan amount. The initial amount usually starts with 1500 according to the credit. With a loan, timely repayment can increase the loan amount. After clicking the loan amount, we enter the loan amount to be applied, and then we can click the repayment plan to view the repayment plan. Click "Confirm Use", enter the payment password and complete the loan application. This process is very convenient.

After we complete the loan application, we can check the repayment information in Alipay. First of all, we need to go back to Alipay and find "small micro-loan" on the drop-down page. If we can't find it, we can go to? Find and add to the main interface. Then click to enter the page. The first amount that appears on the page is the amount that we haven't paid back, and the second amount is the loan amount that we can still apply for. We can click the first amount to check the repayment record and repayment plan, and click the second amount to initiate a loan. After filling in the verification on the following page, we can complete the loan initiation according to the same steps as "Personal Loan".