<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" style="width: 699px;" width="699"> <colgroup> <col width="72" span="2" style="width:72px"> <col width="708" style=";width:708px"> </colgroup> <tbody> <tr height="19" style="height:19px" class="firstRow"> <td colspan="2" height="19" style="border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204); border-width: 1px; border-style: solid;"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">参数</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); background-color: rgb(204, 204, 204); border-width: 1px;" width="58"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">具体内容</span></td> </tr> <tr height="38" style="height:38px"> <td rowspan="9" height="209" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">基本信息</span></td> <td rowspan="1" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">产品介绍</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><p><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1、营销充值宝产品是专门为阿里妈妈平台上投放营销产品（如淘宝/天猫直通车、钻石展位等）的淘宝卖家提供的一项淘宝贷款代充值服务，专款专用，期限灵活，还款便捷；</span></p><p><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">2、获贷的充值款将直接发放到卖家充值的营销产品对应账户；</span></p><p><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">3、目前只能使用自己的支付宝账户给自己的直通车/钻展账户充值，无法用别人的支付宝账户给自己的直通车/钻展账户充值。</span></p></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">会员类型</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">淘宝个人卖家、天猫企业卖家</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="4" height="76" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">授信额度</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">额度会根据店铺各项经营数据由系统综合评估的，具体以页面显示为准<br></span></td> </tr> <tr height="19" style="height:19px"> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" rowspan="3" colspan="1" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">注意事项：<br>1、直通车充值：最低200元起充<br>2、钻展充值：1元起充</span></td> </tr> <tr height="19" style="height:19px"></tr> <tr height="19" style="height:19px"></tr> <tr height="19" style="height:19px"> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">贷款利率</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><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-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">贷款使用期限</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">6个月</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">贷款模式</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="58"><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 rowspan="3" height="95" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">申贷</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">申贷账号</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">淘宝/天猫账户</span></td> </tr> <tr height="38" style="height:38px"> <td height="38" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><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-style: solid; border-color: rgb(0, 0, 0); border-width: 1px; word-break: break-all;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">申贷支付宝账户需完成实名认证、账户状态需正常</span></td> </tr> <tr height="38" style="height:38px"> <td height="38" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">申请条件</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="58"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">开通淘宝/天猫直通车或者钻石展位推广服务，且同时符合营销充值宝充值宝的准入规则，具体准入规则会参照您在淘宝上的经营状况综合考虑，能否申请以页面显示为准</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="4" height="133" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">放贷</span></td> <td rowspan="1" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">放款账户</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">淘宝账户绑定的支付宝账户</span></td> </tr> <tr height="19" style="height:19px"> <td colspan="1" valign="null" align="null" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">放款时间</span></td> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">申请后，3分钟左右即可到账，具体是收款账户到账时间为准</span></td> </tr> <tr height="38" style="height:38px"> <td height="38" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><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-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">10分钟</span></td> </tr> <tr height="57" style="height:57px"> <td height="57" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><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-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="58"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">第二天</span></td> </tr> <tr height="19" style="height:19px"> <td rowspan="9" height="228" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><br></td> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">还款账户</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><p><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">淘宝账户绑定的支付宝账户</span></p></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">按期还款</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><p><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">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;">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;"><br></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;">温馨提示：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="19" style="height:19px"> <td rowspan="3" height="57" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">提前还款</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1、无提前还款手续费</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">2、充值足够金额到绑定的还款支付宝账户</span></td> </tr> <tr height="19" style="height:19px"> <td height="19" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">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-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">逾期还款</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">1、会影响申请人的个人信用、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-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><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-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="59"><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。&nbsp;&nbsp;</span></td> </tr> <tr height="38" style="height:38px"> <td height="38" style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">罚息计算公式</span></td> <td style="border-style: solid; border-color: rgb(0, 0, 0); border-width: 1px;" width="58"><span style="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> <tr> <td colspan="1" rowspan="1" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid;" width="59"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">其他</span></td> <td colspan="1" rowspan="1" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid;" width="581"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">是否与其他贷种互斥</span></td> <td colspan="1" rowspan="1" style="border-color: rgb(0, 0, 0); border-width: 1px; border-style: solid;" width="undefined"><span style="font-family: 微软雅黑, &quot;Microsoft YaHei&quot;; font-size: 14px;">跟信用贷款的额度共享，但是跟信用、订单贷款是可以同时申请的</span></td> </tr> </tbody> </table></div>