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What is a Taobao loan and how to apply?
1. What is a Taobao loan and how to apply?

If you run a Taobao shop (know how to open a Taobao shop), you may think that you need a loan at the moment. What are the conditions for Taobao order loan?

Taobao order loan has been opened to the whole country, and the application needs to meet the following conditions:

1. Taobao Store has no bad credit record;

2. Taobao shop has been operating in good faith;

3. Be at least 18 years old and have full capacity for civil conduct;

4. Taobao shop operates for 6 months;

Eventually, Taobao's system audit is needed. Unstable operation, declining credibility, rising refund rate, or change of address will all affect loans.

2. How to calculate the interest of Taobao Tmall credit loan?

Dear, at present, Taobao credit loans are divided into gold credit loans with a daily interest of 5000 yuan; (Warm reminder: there is a certain handling fee for prepayment in the first 9 installments) 2. After 6 months, the principal interest will be paid due, with a daily interest rate of six ten thousandths, and interest will be charged according to the actual days of use, that is, 6 yuan every day, that is, several days. 3. Tmall still has a short-term credit loan for three months, with a daily interest rate of 0.5% and a repayment of 30% after receiving the order.

Third, how do Taobao and Tmall borrow money?

Question 1: How do Tmall merchants get loans? First of all, you must be the seller of Taobao. Sellers can be divided into five types: Taobao Credit Loan, Tmall Credit Loan, Juhua Loan, Taobao Order Loan and Tmall Order Loan. Generally, when we open a small shop in Taobao, it belongs to "Taobao Credit Loan" or "Taobao Order Loan". Digital Jun mainly talks about "Taobao Credit Loan", and the methods and steps are similar.

If you are a seller, click "Seller Center" and click "Taobao Loan". Or after you log in to the seller center, you can also click on the "loan amount" below to successfully enter the Taobao loan page.

You will see that there are two ways, one is order loan and the other is credit loan. Choose according to your own situation. Digital Jun clicked on "credit loan" here, because my shop has no orders and does not meet the loan conditions.

You can see all the loan methods and interest details on the left. Each method has its own conditions, and you can apply for a loan only if you meet them.

If you don't know the way you need a loan, you can click "Quick Recommendation", enter your requirements and query the results.

Question 2: How to increase the amount of Taobao loan As long as you are a seller of Taobao or Tmall, you are eligible to apply for a Taobao credit loan with a maximum amount of 654.38+100,000. First log in to Taobao account, enter the I am a seller page, and find Taobao loan. You can also log on to taobao.aliloan channel directly and choose a credit loan. Fill in the personal, store and mall information accurately and completely. If you are a friend who has already applied, you can skip this step. Fill in the loan amount and service life, and submit the loan confirmation. Waiting for the audit results of Taobao backstage, if the borrower meets the requirements and the loan amount is within the credit range of Taobao, then Taobao will distribute the loan amount to the borrower Alipay within a certain period of time. As for the amount of Taobao credit loan, it is mainly determined according to the borrower's network behavior. If the borrower has more shop orders and a long operation time, the loan amount will be relatively high. Generally speaking, the loan amount of the clothing industry is higher than that of shops in other industries.

What determines the amount of Taobao loan and how is it stipulated? We are here to give you a brief introduction. It is understood that the loan amount of Taobao credit loan is directly and comprehensively judged by the system according to the credit rating, comprehensive operation and strength of the store, and the loan amount range is: 1 yuan-1million yuan. Specifically, it is related to the store's transaction stability, favorable rate, score, refund, Taobao complaint, punishment, selling infringing or prohibited goods, and whether there are false transactions, which will affect whether Taobao sellers can apply for loans and loan application quotas.

Question 3: How does Taobao Tmall increase the credit line by stages? The limit of 200 points is provided according to the records you have accumulated on the platform, because all your behaviors on the platform are dynamic, and the corresponding limit is also dynamic. When your behavior is good for a period of time, and you meet the withdrawal policy, the corresponding limit may be increased, otherwise, the limit may be reduced, and even the right to use the service may be restricted. If the ant flower garden is closed, it will also have this effect, and the quota may change or can't be opened again.

Q: Why don't I have a spending limit?

A: At present, the products of ant flower buds have been officially launched, and the target groups are gradually expanding. Please continue to pay attention to the opening situation. No one else can open an ant flower garden, so please don't trust others and disclose personal information, so as not to affect your personal credit record.

Question 4: First of all, you must be the seller of Taobao. Sellers can be divided into five types: Taobao Credit Loan, Tmall Credit Loan, Juhua Loan, Taobao Order Loan and Tmall Order Loan. Generally, when we open a small shop in Taobao, it belongs to "Taobao Credit Loan" or "Taobao Order Loan". Digital Jun mainly talks about "Taobao Credit Loan", and the methods and steps are similar.

If you are a seller, click "Seller Center" and click "Taobao Loan". Or after you log in to the seller center, you can also click on the "loan amount" below to successfully enter the Taobao loan page.

You will see that there are two ways, one is order loan and the other is credit loan. Choose according to your own situation. Digital Jun clicked on "credit loan" here, because my shop has no orders and does not meet the loan conditions.

You can see all the loan methods and interest details on the left. Each method has its own conditions, and you can apply for a loan only if you meet them.

If you don't know the way you need a loan, you can click "Quick Recommendation", enter your requirements and query the results.

Question 5: Why can I only borrow a Tmall loan? First of all, you must be the seller of Taobao. Sellers can be divided into five types: Taobao Credit Loan, Tmall Credit Loan, Juhua Loan, Taobao Order Loan and Tmall Order Loan. Generally, when we open a small shop in Taobao, it belongs to "Taobao Credit Loan" or "Taobao Order Loan". Digital Jun mainly talks about "Taobao Credit Loan", and the methods and steps are similar.

If you are a seller, click "Seller Center" and click "Taobao Loan". Or after you log in to the seller center, you can also click on the "loan amount" below to successfully enter the Taobao loan page.

You will see that there are two ways, one is order loan and the other is credit loan. Choose according to your own situation. Digital Jun clicked on "credit loan" here, because my shop has no orders and does not meet the loan conditions. You can see all the loan methods and interest details on the left. Each method has its own conditions, and you can apply for a loan only if you meet them.

If you don't know the way you need a loan, you can click "Quick Recommendation", enter your requirements and query the results.

Question 6: How to calculate the loan interest on Taobao? Dear, there are three kinds of Taobao credit loans at present:

1 and1February average capital credit loans, with daily interest rate of 50/ 10000 yuan and annual interest rate of 8 12.5 yuan; (Warm reminder: there is a certain handling fee for prepayment in the first 9 installments. )

Pay interest monthly for 2.6 months, repay the principal when it is due, with a daily interest rate of six ten thousandths, and charge interest according to the actual days of use, that is, 6 yuan per day, calculated according to how many days;

3. Tmall still has a short-term credit loan for three months, with a daily interest rate of 0.5% and a repayment of 30% after the order is received. Actually, it takes several days to calculate the interest.

Question 7: Can Taobao loans overdue still get a loan after paying off? At present, Taobao loans include market order loans, market credit loans, Tmall credit loans and Tmall order loans, and the main service targets are Taobao sellers.

Question 8: Where is the Taobao loan? Website: alibaba.creditloan.aliloan/...st.

Does AliPay in the seller center apply for a loan?

Yet we called and urged a thousand times before she started toward us's Taobao loan has finally been launched, which is another breakthrough after Yu 'ebao and another heavy blow to bank monopoly and illegality. There is no need for complicated application procedures and high interest. Digital Jun teaches you how to apply for Taobao loan!

To meet the conditions of 1, you must be the seller of Taobao first. Sellers can be divided into five types: Taobao Credit Loan, Tmall Credit Loan, Juhua Loan, Taobao Order Loan and Tmall Order Loan. Generally, when we open a small shop in Taobao, it belongs to "Taobao Credit Loan" or "Taobao Order Loan". Digital Jun mainly talks about "Taobao Credit Loan", and the methods and steps are similar.

Step Read the application step 1 If you are a seller, click "Seller Center" and click "Taobao Loan". Or after you log in to the seller center, you can also click on the "loan amount" below to successfully enter the Taobao loan page.

In the second step, you will see that there are two ways, one is order loan and the other is credit loan. Choose according to your own situation. Digital Jun clicked on "credit loan" here, because my shop has no orders and does not meet the loan conditions.

Step 3: You can see all the loan methods and interest details on the left. Each method has its own conditions, and you can apply for a loan only if you meet them.

Step 4 If you don't know the way you need a loan, you can click on "Quick Recommendation", enter your requirements and query the results.

Step-by-step 5 Digital Jun can only apply for the "loan-and-return" method, and can only borrow 1 0,000 yuan. Providing information about the operation and reputation of your store can increase this quota.

Step 6 When we apply for a loan of 1000 yuan, we need to upgrade and complete our Alipay authentication information by opening Alipay, logging into your Alipay account and clicking "Account Settings"-Upgrade.

Step 7: Re-upload the photo of the ID card, fill in the information on the ID card and submit it. Alipay will tell you the audit results within 2 days, just wait patiently. After passing, apply according to the previous 5 steps.

The eighth step is the interest calculation method of various loan methods. For example, if Digital Jun chooses 1000 yuan for 30 days, the required interest is 1000 (loan amount) 0.0006 (interest rate) 30 (days) = 18 yuan (interest payable).

Steps Read how END repays 1 Click "Loan Management" to view your own loan records, repayment records and other related information in real time.

Step 2: If you have money and want to prepay, click "Prepayment", enter the repayment principal and confirm. Prepayment can be exempted from handling fees.

Steps Read END Personal Management 1 You can choose automatic loan, bind your own bank card and credit card, and improve your basic information (that is, the borrower's information).

Question 9: How to apply for a Taobao loan? First of all, you must be the seller of Taobao. Sellers can be divided into five types: Taobao Credit Loan, Tmall Credit Loan, Juhua Loan, Taobao Order Loan and Tmall Order Loan. Generally, when we open a small shop in Taobao, it belongs to "Taobao Credit Loan" or "Taobao Order Loan". Digital Jun mainly talks about "Taobao Credit Loan", and the methods and steps are similar.

If you are a seller, click "Seller Center" and click "Taobao Loan". Or after you log in to the seller center, you can also click on the "loan amount" below to successfully enter the Taobao loan page.

You will see that there are two ways, one is order loan and the other is credit loan. Choose according to your own situation. Digital Jun clicked on "credit loan" here, because my shop has no orders and does not meet the loan conditions.

You can see all the loan methods and interest details on the left. Each method has its own conditions, and you can apply for a loan only if you meet them.

If you don't know the way you need a loan, you can click "Quick Recommendation", enter your requirements and query the results.

Digital Jun does not meet other requirements, so he can only apply for "borrowing and returning", and can only borrow 1 1,000 yuan. Providing information about the operation and reputation of your store can increase this quota.

When we apply for a loan of 1000 yuan, we need to upgrade our Alipay authentication information by opening Alipay, logging into your Alipay account and clicking "Account Settings"-Upgrade.

Re-upload the photo of the ID card and fill in the information on the ID card, and then submit it. Alipay will tell you the audit results within 2 days, just wait patiently. After passing, apply according to the previous 5 steps.

The following figure shows the interest calculation methods of various loan methods. For example, if Digital Jun chooses 1000 yuan for 30 days, the required interest is 1000 (loan amount) 0.0006 (interest rate) 30 (days) = 18 yuan (interest payable).

4. What are the repayment methods of Taobao Tmall Credit Loan?

At present, Taobao Tmall credit loan has two repayment methods: scheduled repayment and early repayment. Repayment on schedule: Alipay should recharge before noon 12 on the repayment date, and the system will automatically deduct the payment. 2. Prepayment: Recharge enough money in Alipay, and manually click Prepayment to find the corresponding loan information. Tips: Prepayment fee for credit loans with a term of 12 months for Taobao/Tmall loans: prepayment is not supported in the first three installments, and 2% of the prepayment principal is charged for prepayment after the third installment (the actual rate is subject to the loan contract).