<link href="https://a.alipayobjects.com/kbase-static/2.4.7/pc.css" rel="stylesheet" charset="utf-8"><div class="csp-ck-article"><table cellpadding="0" cellspacing="0" data-sort="sortDisabled"> <colgroup> <col width="72" span="2" style="width:72px"> <col width="455" style=";width:455px"> </colgroup> <tbody> <tr height="20" style="height:20px" class="firstRow"> <td colspan="2" height="20" style="border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204);" width="401"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">类型</span></strong></td> <td style="border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204);" width="182"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">具体内容</span></strong></td> </tr> <tr height="19" style="height:19px"> <td rowspan="7" height="133" style="border-top-style: none; border-color: rgb(0, 0, 0);" width="239"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">贷款参数</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="243"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">产品介绍</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="183"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">支付宝客户群贷款</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">开放地区</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">中国大陆大部分地区，具体以页面显示为准</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">授信额度</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">具体以页面显示为准</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">服务费</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">无提前还款手续费</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">贷款利率</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">以页面显示为准</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0); word-break: break-all;" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">贷款期限</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">12个月</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">贷款模式</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">等额本金</span></td> </tr> <tr height="38" style="height:38px"> <td rowspan="3" height="209" style="border-top-style: none; border-color: rgb(0, 0, 0);" width="182"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">申贷</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="243"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">支付宝账户认证要求</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="183"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">V2</span></td> </tr> <tr height="38" style="height:38px"> <td height="38" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">支付宝账户状态要求</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">正常</span></td> </tr> <tr height="133" style="height:133px"> <td height="133" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">申请条件</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1、工商注册时间：1年及以上（若有预授信额度，则无此条件）<br>2、会员类型：支付宝个人经营者<br>3、公司名不含关键字：加盟店、办事处、门市部、分公司<br>4、法人年龄：18-65周岁<br>5、法定代表人的信用记录良好<br>6、没有行业、销售额及财务指标的限制<br>注：以上仅为参考条件，实际以系统评估为准</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="3" height="114" style="border-top-style: none; border-color: rgb(0, 0, 0);" width="240"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">放贷</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="243"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">放款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0); word-break: break-all;" width="183"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1-2个工作日放款到银行卡（含网商银行卡）</span></td> </tr> <tr height="38" style="height:38px"> <td height="38" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">合同签订有效期</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1个月</span></td> </tr> <tr height="57" style="height:57px"> <td height="57" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="481"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">不签署合同再次申请贷款的时间</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">无</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="11" style="border-bottom-width: 1px; border-color: rgb(0, 0, 0); border-top-style: none;" colspan="1" width="240"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="243"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">入口</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="183"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">loan.mybank.cn（支付宝登录）</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">还款账户</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0); word-break: break-all;" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">支付宝</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">还款计划</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">等额本金</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">还款日</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">合同到期日的前一天，只能是每个月的1-28号</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">还款方式</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">等额本金</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">按期还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0); word-break: break-all;" width="340"><p><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);"></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">建议在还款日前一天充值足够金额至支付宝余额、余额宝，还款日当天系统会自动扣取还款。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px; color: rgb(0, 0, 0);">部分客户支持使用支付宝绑定的储蓄卡、网商银行活期余额及余利宝扣款，具体扣款渠道以页面显示为准。</span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><span style="color: rgb(255, 0, 0);"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;"><br></span></strong></span></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; white-space: normal;"><span style="color: rgb(255, 0, 0);"><strong><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">温馨提示：</span></strong></span><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">支付宝余额、绑定的储蓄卡、余额宝的扣款顺序以还款账户在支付宝APP中设置的支付顺序为准。</span></p></td> </tr> <tr height="57" style="height:57px"> <td height="57" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">提前还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1、无提前还款手续费<br>2、充值足够金额到绑定的还款支付宝账户<br>3、需要去前台页面手动操作提前还款</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="3" height="57" style="border-top-style: none; border-color: rgb(0, 0, 0);" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">逾期还款</span></td> <td style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="340"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1、会影响贷款申请人的个人信用、产生罚息、并且会影响后续贷款申请</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0);" width="571"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">2、建议在当天完成还款</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-top-style: none; border-left-style: none; border-color: rgb(0, 0, 0); word-break: break-all;" width="571"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">3、建议您下次在还款日前一天完成还款渠道的资金充值，以保障按期还款，避免逾期。</span></td> </tr> <tr> <td rowspan="1" colspan="1" style="border-color: rgb(0, 0, 0); border-top-width: 1px; word-break: break-all;" width="484"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">罚息计算公式</span><br></td> <td rowspan="1" colspan="1" style="border-color: rgb(0, 0, 0); border-top-width: 1px; word-break: break-all;" width="340"><span style="background-color: rgb(255, 255, 255); font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">逾期账单金额（逾期本金加利息）*利率*1.5*逾期天数（不计算当天）</span></td> </tr> </tbody> </table></div>