Can I open a borrowing if I have 580 sesame points?

No, ant borrowing needs more than 600 sesame points to open it.

Borrowing is a consumer credit product under Ant Micro Loan, which does not need to provide collateral guarantees, which is the same as unsecured loans from banks. Only users with a sesame score of 600 or more have the opportunity to obtain the qualification to apply for a loan amount ranging from 1,000 yuan to 50,000 yuan, with a maximum repayment period of 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

The amount applied for by the user can be transferred to the Alipay balance, just like the loan obtained from the bank. Yes, it can be withdrawn.

The preliminary judgment is that it is not possible to open a loan, and it probably needs more than 650 points.

The opening of Ant Borrowing is not completely evaluated by Sesame Credit Score, and the following conditions need to be met to open Ant Loan: (1) The Alipay account has completed real-name authentication; (2) The account status is normal and has not been appealed; (3) The account is bound to a mobile phone. For accounts that meet the above conditions, the system will conduct a comprehensive evaluation based on your account usage, and whether it can be used or not is subject to the system evaluation, and manual intervention is not possible.

It can only be said that the sesame score is not necessarily very high, but the sesame score is too low to definitely not be opened.

Since the amount of borrowing is comprehensively assessed by the system, the amount of sesame credit 650 points borrowing is also not fixed. For the same score, different users are granted different amounts. Of course, it is also possible that even if the user reaches 650 points, he does not have the permission to open the borrowing.

All of these scenarios are possible.

Borrowing is a small loan product launched by Ant Financial, and in terms of threshold, only users with a Sesame Credit score of more than 600 can open it. As for whether there is a final permission to open, it is mainly up to the system to decide. The system will grant users a quota ranging from 1,000 yuan to 300,000 yuan according to different ratings.

In terms of term, it is divided into three months, 6 months, 9 months, and 12 months, and users can repay the loan at any time after borrowing, which is very convenient.

In terms of the interest rate of the loan, the daily interest rate of the borrower is between. The daily interest rate of the loan is also different depending on the rating of the user. However, the daily interest rate of most users will be around the limit.

Therefore, when users use borrowing, the specific interest rate needs to be displayed on the page. It should be noted that users must remember to repay on time during the use process, otherwise Alipay will withdraw the borrowing function.

No, the condition for Ant Borrowing to apply for a quota is a Sesame Credit score of 600 or more.

According to the user's sesame credit score, the loan amount will range from 1,000 to 300,000 yuan. The maximum repayment period of the loan is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.