I would like to ask how much credit I need to use Ant Borrowing

Above 600, the [Credit Life] page of Sesame Credit shows that if you have a sesame score of 600 or above, you have the opportunity to borrow it, that is, it is a necessary condition for a sesame score of not less than 600 points, but it is not as long as 600 points can be used to borrow. The first thing to do is to use the real-name system, multi-day consumption, Alipay financial management, and secondly, to certify all that can be certified, and the basic amount of real information about the vehicle will not be low, and remember to save some money in the Yue Bao of MYbank.

Hello, Alipay account has completed real-name authentication, the account status is normal and has not been appealed, the account is bound to a mobile phone and the sesame credit score exceeds 600 will have the opportunity to open a loan, you can check the limit in Alipay's [My]-[Ant Borrow]. If you do not have a quota or do not have a borrowing entrance, it means that you do not meet the conditions for borrowing for the time being, and it is recommended that you maintain a good credit history. If you can't use the loan, it is recommended that you use Moneyflower, which is the original financial credit service brand (formerly name:

It was renamed as "Rich Flower" in June 2018), which has the characteristics of simple application, fast disbursement, flexible borrowing and repayment, transparent interest and fees, and strong security. The application materials are simple, the fastest is 30 seconds for approval, and the fastest is 3 minutes for disbursement. Early repayment is possible, and the recovery limit can be revolving after repayment.

I hope this is helpful to you, click below on the mobile phone to measure the amount immediately! The maximum borrowing amount is 200,000.

When the general user's Sesame Credit score is above 600 points, it is possible to receive an invitation to open a loan, and after receiving this invitation, you can open a loan.

However, a Sesame Credit score of more than 600 points does not necessarily mean that you can open a loan, because the qualification for borrowing does not completely depend on Sesame Credit, and Alipay officials will also check the applicant's funds, Alipay's use of Alipay, etc.

Some users have opened a loan, but the usage habits are too poor, and there are many cases where they are closed again, so it is recommended that users must develop reasonable usage habits and maintain good personal credit.

Extended Materials: Borrowing"Current name Credit Loan''It is a loan service launched by Alipay, and according to the different sesame scores, users can apply for different loan amounts. 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.

On January 9, 2018, perhaps due to excessive leverage and violation of relevant regulatory regulations of the central bank, some users were voluntarily closed to control the loan balance.

On November 8, 2021, it was reported that Alipay"Borrow"The name has been changed to"Line of Credit"。In response, Alipay's customer service responded that in order to facilitate you to have a clearer understanding of the actual consumer credit service provider, the consumer credit service provided by the financial institutions that cooperate with Ant has been updated to"Line of Credit"and display the name of the financial institution on the credit page. After this adjustment, the original borrowing, auditing, repayment and other services will not be affected.

Borrow"It is a loan service launched by Alipay, and the current application threshold is more than 600 sesame points. Depending on the score, users can apply for loans ranging from 1,000-300,000 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.

At present, the consumer loans launched by e-commerce giants are mainly for installments in the consumption scenarios of the e-commerce platform, but with the continuous accumulation of personal credit data, personal credit loans for non-consumption scenarios are also being launched one after another. Here's the actual experience of raising the quota:

1. Deposit Yue Bao or Zhao Cai Bao (regular), deposit 15,000+ money, and it can basically be withdrawn after 10 days, generally on the 1-10th limit;

But there are still netizens complaining about Uncle Ma Yun; One of the reasons why I am not optimistic about these Internet companies engaging in finance is that they do not have the experience of receiving users who can't even distinguish between interest and fees.

This part of the business will naturally have an impact on the bank's similar business, after all, the scale of several major Internet giants is there. But not every industry is suitable for the internet. The amount is too low, and the repayment of the principal in installments is a bit of a chicken rib, which is destined to be difficult to replace the position of traditional finance.

1. If the Sesame Credit Score is not less than 600, if the user meets the conditions, he only needs to upgrade his Alipay wallet to the latest version, and the "Borrow" function can be used in the "Wealth" column of the Alipay wallet.

2. Borrowing is a consumer credit product of Ant Micro Loan, users with a sesame score of not less than 600 will have the opportunity to use personal consumption loans, and according to the different scores, users can apply for a loan of up to 50,000 yuan, and the amount applied for can be transferred to Alipay. The maximum repayment period of "borrowing and burying macros" is 12 months, and the daily interest rate of the loan is to borrow and repay at any time.

3. Although it is convenient and fast to use Alipay to "borrow" a loan, its interest rate is relatively not low, so remember to overdraft within your ability to avoid exceeding your repayment ability and causing adverse effects on personal credit.

There is no direct relationship between the level of the sesame credit score and whether the borrowing can be opened, and it is not that the sesame credit score is high, and the borrowing can definitely be opened. Whether the borrower can be opened or not is mainly based on your own account situation, and is determined by the comprehensive evaluation of the system. It is recommended that users maintain the activity and good use of Alipay, which will be helpful to the opening of borrowing.

In fact, many people with a sesame credit score of more than 700 or even more than 800 points are not eligible to open a loan, but some people with a sesame credit score of more than 600 points not only open a loan but also have a high limit. This shows that it is not enough to maintain a good credit history, if the credit is good, such as a sesame score higher than 650, and you frequently use Alipay to pay online and offline, then it is easier to obtain the qualification to borrow and open a loan.

In addition, the borrower may be closed even after it is opened, so if you want to use the borrower for a long time, you must maintain good usage habits before and after the opening.

It is not that Sesame Credit can be opened with a score of 600 or more, but that you can open Ant Loan only if you have the opportunity.

How to open ant borrowing:

First of all, it is necessary to meet the conditions for opening a loan;

Sesame points are not the only conditions for opening a loan, nor is it the threshold for opening a loan, one of the conditions for knowledge access, to put it more thoroughly, Alipay refuses to open a loan. Ali's purpose is to hope that you can use Alipay more and use **;

Optimize Alipay ** data;

Complete your basic personal information:

Include basic information such as name, **, profile picture, etc., and complete personal information in "Credit Management". Including academic qualifications, company mailbox, occupation information, driver's license, overseas credit report, vehicle information, real estate information, provident fund, credit card bills, etc.

Increase Alipay, ** usage rate:

You can use Alipay to take a taxi and order food, and the delivery address is the address of the company, and Alipay is mostly used for offline payment.

You can shop on **, but you still have to have a shopping consumption record every month, remember to click on the receipt in time to confirm the receipt after receiving the goods, which is an aspect of credit assessment.

Bind your bank card and credit card:

You can bind commonly used bank cards, and it is best to bind Alipay with a credit card, because people with credit cards will have higher credit than those who do not have credit cards, and you can also use Alipay to repay.

It is best to bind the bank card with frequent flow, and if the bank card is not used for a long time, it is better not to bind.

Alipay's delivery address can be reserved for 2-3, one is the home address, one is the address of the work unit, and the other is the household registration address, delete all the addresses that you no longer use or rarely use, **The above delivery address also needs to be optimized.

The credit score will not affect your ability to open Ant Borrow, but it will have some relationship. There are three conditions required to open Ant Borrowing.

1. Alipay real-name authentication, which means that you must bind your ID card to Alipay.

2. The mobile phone number must be bound for real-name authentication.

3. To use Alipay frequently, Alipay will review the frequency of your use of Alipay, if you often use Alipay, then the time for ant borrowing will be shorter.

Only 600 points or more can be activated.

Sesame Credit: Sesame Credit is an independent third-party credit bureau under Ant Financial, which objectively presents an individual's credit status through cloud computing, machine learning and other technologies, and has provided credit services for users and merchants in hundreds of scenarios such as credit cards, consumer finance, financial leasing, hotels, renting, travel, marriage and love, classified information, student services, and public utility services.

On January 5, 2015, the People's Bank of China issued a notice allowing eight institutions to prepare for Tuansun Xiao's personal credit investigation business, which was seen as a signal that China's personal credit reporting system is expected to open the gates to commercial institutions, including Tencent Credit and Sesame Credit.

Sesame Credit Score is a comprehensive processing and evaluation of massive information and data by Sesame Credit, which mainly includes five dimensions: user credit history, behavioral preferences, performance ability, identity characteristics, and personal relationships.

Based on Alibaba's e-commerce transaction data and Ant Financial's Internet financial data, and has established data cooperation with public institutions and partners such as the Public Security Network, Sesame Credit data covers credit card repayment, online shopping, transfer, financial management, water, electricity and gas payment, rental information, address relocation history, social relationships, etc.