How to borrow money from MYbank? How to borrow money from Alipay MYbank

How to get a loan from MYbank.

Step 1: Log in to MYbank, click [My] - [Credit], and you can see that the total available quota is 0.

Step 2: Click [Go to see] - [Associated payment for use on BMW].

Now we can see the amount that the system gives us that can be overdrawn, and this amount is from the "Ant Huabei" in our Alipay.

Step 3: Click [Operator Entrance], if you have more than one Alipay, the system will prompt you to bind the most frequently used Alipay.

Step 4: Enter the transaction password, then associate Alipay and payment password to complete the Alipay association.

Note that it is Alipay's payment password, not its login password.

How to get a loan. Step 1: Click [My] - [Credit] to see the current available total quota.

This limit is the Ant Huabei quota in our Alipay.

Step 2: Click [Borrow Money] - [Borrow].

The minimum loan amount is 100 yuan; The term of the loan is 12 months; The repayment method is: equal principal (refers to the equal amount of the loan during the repayment period, and the same amount of principal and interest accrued on the remaining loan in that month are repaid every month.

Step 4: Select the receiving account, which is the online merchant bank account by default; The repayment account is the associated Alipay;

Repayment date: 13th of each month.

At present, MYbank only supports agriculture, industry and commerce, construction, transportation, investment promotion, Guangfa, Shanghai Pudong Development, Industrial Bank, Postal Savings Bank, and Minsheng Bank.

After that, click on Loans. Enter the page where I want to borrow money, from which you can see that the order loan, the interest is calculated on a daily basis, and the expected annual interest rate on a daily basis is a one-time handling fee for early repayment).

4. Enter the equal principal page, you can borrow 10,000 yuan, which can be used for 12 months, and the expected daily annualized interest rate is the same as the original ant borrowing. If you borrow 10,000 yuan, the total interest is yuan.

5. The estimated monthly repayment amount will be displayed. The specific repayment amount is subject to the actual bill after the loan is disbursed.

MYbank loan conditions.

MYbank loan conditions are not high, under normal circumstances, users with a score of 600 or above and at least 18 years old can apply.

Hello friends, please see the following two points about how to borrow money from MYbank:

Then click "Loan" on the homepage of MYbank to see the amount you can apply for. MYbank has transfer, loan, and wealth management functions, among which the loan is very convenient and arrives in seconds, but not all people have a quota, and the interest rate is different for everyone after borrowing.

MYbank is a credit loan product of MYbank, with a minimum loan of 1 yuan and a maximum amount of 2 million; Borrow and repay at any time, up to 24 months; The daily interest rate is into. Because it is an operating loan for small and micro enterprises and individual entrepreneurs, ordinary consumers have no way to apply for it. Whether the application conditions are met or not is subject to automatic evaluation by the system.

After the application is successful, you can wait for the loan, and the funds will generally go directly to Alipay or the bound bank card. In addition, we will be prompted to repay the loan every month.

The borrowing process of Alipay MYbank is as follows:

1. In Alipay, find the "Online Business Loan" option in my interface, click on the option to enter the borrowing interface;

2. Through its special software, click the "Loan" button at the top of the home page to enter the same loan interface as step 1.

3. Enter the loan interface, you can see the total amount that can be borrowed, the interface can repay or borrow money, click to borrow money here;

4. On the borrowing interface, enter the amount and number of installments, you can view the total fee and rate, and click "Next" if you think you can receive it. In general, the rate is lower than others, note that the repayment is the monthly principal plus interest for repayment, and you can repay in advance, so that only the interest on the days used will be charged;

5. Enter the signing agreement interface, you can see the date of the loan, which is the monthly repayment date, if it is confirmed, click OK;

6. After entering the new interface, enter the payment password set by the software, and the borrowed money will arrive immediately.

MYbank is the first bank in China to build its core system on the financial cloud. Based on the financial cloud computing platform, MYbank has the ability to handle high-concurrency financial transactions, massive big data and elastic expansion, and can take advantage of the advantages of the Internet and big data to provide financial services to more small and micro enterprises. MYbank is positioned as the preferred financial service provider for online merchants, an explorer of Internet banking, and a practitioner of inclusive finance, providing services for small and micro enterprises, mass consumers, rural operators and rural households, and small and medium-sized financial institutions.

MYbank is the first commercial bank in China with a core system based on cloud computing architecture, initiated and established by Ant Group as a major shareholder. As one of the first five private banks in China approved by the China Banking Regulatory Commission, it officially opened on June 25, 2015. "Building a Chinese-style open bank" is the core strategy of MYbank, which is driven by science and technology to further open up to the first chain, to rural areas, and to financial institutions, and to adhere to low profits and inclusiveness, MYbank hopes to provide new ideas for the development of global open banking through practice.

Operating Environment: Brand: Apple 12

System version: iOS14

You can use MYbank's MYbank eBusiness Loan product, which is:Pure online products, access areas can apply, and apply on the same day, the results can be out on the same day, and the results can be withdrawn to the account. However, online business loans areProducts for small and micro enterprises and individual industrial and commercial householdsA business license is required, and the funds can be lent to an Alipay account, bank card or online merchant bank account.

Fill in the process later, mainly the national tax authorization, etc., you can experience it yourself if you need it, because the credit can not be queried casually, it will not be put on the map here, please understand.

Basic information of online merchant loan products:

1. Quota: up to 1 million;

2. Household registration requirements: Mainland;

3. Age: 18-70 years old;

4. Loan term: up to 24 months;

5. Interest rate: annualized;

6. Repayment method: equal interest, interest first and principal later, borrow and repay at any time;

7. Application method: pure online application.

Enterprise Requirements:

1. The borrower is an enterprise legal person;

2. Alipay must be authenticated with real name;

3. Enterprises should operate continuously and stably, pay taxes of 20,000 yuan or more annually, have no tax arrears, and be rated as non-D.

Information Required:

According to the requirements of local tax bureaus, including but not limited to taxpayer identification number, legal person name, legal person ID number, mobile phone number reserved for tax registration, electronic tax bureau account number, etc.

You can find the "Online Business Loan" option in a treasure, my interface, as shown in the figure below, click on this option to enter the borrowing interface.

Please click Enter a description.

You can also click the "Loan" button at the top of the homepage through its special software, as shown in the figure below, to enter the same loan interface as in step 1.

Please click Enter a description.

At this time, you can enter the loan interface, you can see the total amount that can be borrowed, and the interface can be repaid or borrowed, click to borrow money here.

Please click Enter a description.

On the borrowing interface, enter the amount and the number of installments, you can view the total fee and rate, and click "Next" if you think you can receive it. In general, the rate is lower than others, note that the repayment is the monthly principal plus interest for repayment, and you can repay in advance, so that only the interest on the days used will be charged;

Then you will enter the signing agreement interface, you can see the date of the loan, which is the monthly repayment date, if it is confirmed, click OK.

After entering the new interface, you need to enter the payment password set by the software. As soon as you enter the password, the service will take effect immediately, and the borrowed money will be credited to your account immediately.

end precautions.

If there is no such entry in a treasure, it means that the account has opened the borrowing function, and the two conflict with each other, so you can directly try to use the software in step 2.

Open Alipay, enter MYbank, and click on Borrow money.

1. First of all, open Alipay MYbank on your mobile phone.

2. Enter the main interface of MYbank as shown in the figure below.

3. Click Mine in the figure below.

4. Enter the interface shown below.

5. Click the button to borrow money again.

6. Click on the option to borrow money in the figure below.

7. Next, you can see the following chart, which shows the interest rate of borrowing.

8. Fill in the amount you need to borrow and click Next.

9. Click the OK button in the pop-up dialog box, so that Alipay will transfer the money to your Alipay.

MYbank is a commercial bank approved by the China Banking Regulatory Commission (CBRC) and operates purely on the Internet, and officially opened its business on June 25, 2015. The daily interest rate of MYbank loans is between 2/10,000 and 5/10,000, and the daily interest rate is generally 3/10,000 or 4/10,000. If the daily interest rate is 4/10,000 and you borrow 10,000 yuan, the interest = 10,000 yuan, and the interest you need to pay every day to borrow 10,000 yuan is 4 yuan, and the overall interest is not high.

Further information: Interest is the fee for the use of money over a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or money capital. This includes interest on deposits, loans, and interest on various bonds.

Under capitalism, the source of interest is the surplus value created by wage workers. The essence of interest is a special form of transformation of surplus value, which is part of the profit.

Definition. 1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.