Is sesame borrowing the same as Huabei, and what is sesame borrowing

Hello, the difference between borrowing and Huabei is that Huabei can only be used for shopping consumption, and cannot be borrowed or transferred. Borrowing is the same as spending money, and you can't spend it directly, but you can transfer money, withdraw and consume it through your Alipay balance or bound bank card. In addition, the money to spend satisfaction loan supports 24 installments, and the exclusive loan supports 36 installments, which Huabei does not have.

This answer is provided by Youqian Hua, I hope it will be helpful to you. As a credit brand under Du Xiaoman Finance (formerly Finance), Youqian Hua brings users convenient, fast and reassuring Internet credit services, with a maximum borrowing limit of 200,000 yuan.

With the popularity of Alipay, more and more users are using Huabei and borrowing. So, what is the difference between Huabei and borrowing?

Huabei is a consumer credit product launched by Ant Financial, with a maximum consumption limit of 50,000 yuan. Users can advance the quota of Ant Huabei and enjoy the shopping experience of "consume first, pay later". Borrowing is a loan service launched by Alipay, with a maximum amount of 300,000 yuan, a maximum repayment period of 12 months, and a daily interest rate of the loan.

The difference between the two is: Huabei can only be used for consumption payment, and there is no pre-borrowing function; The borrower can apply for a loan to the Alipay account balance or bank card and withdraw it.

Among the reliable big brands on the market, in addition to Huabei and Borrow, Du Xiaoman Finance's money is also a good choice. The application for money is simple, the loan is fast, and the borrowing and repayment is flexible, and users can take the initiative to apply. The interest fee of the money is transparent, the big brands are more reliable, the interest rate is low, the daily interest rate is as low as (subject to the display on the loan page of the money flower app), the interest rate of borrowing 10,000 yuan a day is as low as 2 yuan, and the maximum amount can be borrowed is 200,000 yuan, which can meet the needs of most borrowers (click to enter the official money to learn more.)

This is provided by Kangbo Finance, which focuses on the interpretation of financial hot events, the popularization of financial knowledge, adheres to professionalism, pursues fun, makes financial content that people can understand, and conveys financial value in a vivid and diverse way. Hope this helps.

Sesame Loan is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. According to the rating, users can apply for a loan amount between 1,000-300,000 yuan. The repayment period of the loan is up to 12 months, and the daily interest rate of the loan is at any time.

When you need to borrow, you can open Alipay on your mobile phone, click on "Abuse my old man" in the lower right corner, and click "Borrow" to try to apply.

To open "borrowing", you must first meet the three conditions of real-name authentication of Alipay account, binding mobile phone to Alipay account, and normal status of Alipay account. Subsequently, the system evaluates the user's creditworthiness, solvency and other credit qualification information (based on Ant Credit, but not limited to Ant Credit), and determines whether different users can open a loan based on the applicant's situation. The evaluation of borrowing is determined by the system, and no individual or organization can participate in influencing the judgment process and results.

Therefore, if the sesame score is above 600, you can apply for ant borrowing, but whether the application can be successful depends on the credit history.

Borrowing and Huabei are not the same. Borrower and Huabei are two different products, but they both belong to Ant Financial.

Like borrowing, it is a kind of online loan, which mainly provides people with lending services. The minimum loan amount can be as high as 300,000 yuan, and it can generally be borrowed for 3 months, 6 months or 12 months.

Huabei, on the other hand, is more similar to a "credit card", mainly allowing users to make "early purchases". Its limit ranges from 1,000 to 300,000 yuan, and like a credit card, it is "consumed in the current month and repaid in the next month". And Huabei's amount can only be consumed and used, and cannot be withdrawn or transferred, which is also the biggest difference between Huabei and borrowing.

Although borrowing and Huabei are two independent products, there is still a certain relationship between them. Because borrowing and Huabei are both related to sesame credit, borrowing and Huabei can also affect each other to a certain extent. For example, if the borrowing is not used properly, resulting in a decrease in the sesame credit score, the Huabei credit limit may also be affected due to the decrease in the sesame credit score, and there may also be a decrease in the shirt.

No, because the sesame grains are only valid for themselves, and you can't make friends to repair his credit value, and if you want to repair your friend's credit, you can only use its own sesame grains. Although sesame seeds can help you repair your credit, but on many other platforms, once your credit has problems, it can't be repaired, and it will affect your credit information, so be sure to protect your credit.

Extended Information: What are Sesame Seeds?

Sesame seeds are rewards that users get after completing their contract-abiding behaviors or credit tasks, and they can receive merchant coupons by accumulating sesame seeds.

What are sesame seeds used for?

Through the collection and accumulation of sesame seeds, it can help you obtain more credit rights, such as merchant coupons, etc., and sesame seeds have no direct impact on your sesame points. But behind the sesame grains is your compliance behavior, and the abundant compliance behavior is conducive to your sesame seed score evaluation, which needs to be maintained by you for a long time.

How are sesame seeds produced?

Actively use credit services (free riding, credit leasing, etc.), and abide by the contract on time, you will have the opportunity to accumulate more sesame seeds, the specific rules can be found in [Sesame Credit] - click on [Sesame Seeds can be accumulated" in the middle] - [Credit Accumulation] - [Strategy].

What are the effects of sesame seeds?

Sesame seeds have no direct effect on your sesame seeds. But behind the sesame grains is your compliance behavior, and the abundant compliance behavior is conducive to your sesame seed score evaluation, which needs to be maintained by you for a long time.

Why are sesame seeds different in size?

Because each type of credit behavior has different degrees of difficulty, amount, and time to complete, the corresponding number of sesame seeds is also different.

Can you charge other people's sesame seeds?

Sesame seeds belong to the reward of personal credit behavior, so it cannot receive credit energy from others. Use credit services and complete the contract to accumulate sesame seeds, credit services include credit housing, credit rent, credit **, credit travel, credit communication, credit finance, nearby convenience, new retail and so on. Tasks include credit quizzes, experience deposit-free rental of power banks, experience credit travel and so on.

The accumulation rewards for saving sesame seeds include an additional 300 yuan deposit reduction for a single time, a 2 yuan power bank voucher, a 5 yuan coupon for renting a drone, and so on.

Summary. The Huabei quota is related to Sesame Credit to a certain extent. If the user's sesame credit score is high enough, then the Huabei limit is usually not too low.

The higher the sesame credit score of the average user, the higher the amount of Huabei is likely to be. Of course, Sesame Credit is not the only evaluation criterion for Huabei's quota increase. The level of Huabei's quota is also related to the use and activity of Huabei and Alipay accounts.

The Huabei quota is related to Sesame Credit to a certain extent. If the user's Sesame Credit score is high enough, the Huabei limit is usually not too low. The higher the sesame credit score of the average user, the higher the amount of Huabei is likely to be.

Of course, Sesame Credit is not the only evaluation criterion for Huabei's quota increase. The level of Huabei's quota is also related to the use of Huabei imitation Wu and Alipay accounts, the degree of activity, and so on.

Huabei Sesame Credit has been cleared and cleared, will it affect personal credit?

It will affect the Crack Kaixin. Because Huabei does not have a grace period for repayment, even if Huabei is overdue and repays in full, Sesame Credit will add a new record of violating the covenant, and Huabei is connected to the central bank's credit system, then a new Huabei overdue record will be added to the personal credit report. Even if the repayment has been made, the overdue credit record will be recorded for five years from the date of repayment, and the credit record will be overwritten after five years.

Why is it different.

I asked the same person, and what I just asked said it didn't matter.

I am in real estate, and seeing that your overdue will affect your credit report, and Huabei will also be recorded in the credit report.

If you only have a rough hall and a small overdue amount of Fuhong to pay it off, there will still be a reflection in the credit report Iwahashi, but if you can explain it when you take out a loan, the past is generally not affected.