Huabai is a consumer credit product launched by ant financial services. After the application is opened, it will get a consumption line of 500-50000 yuan. When users consume, they can advance the amount of ant flower and enjoy the shopping experience of “consume first, pay later”.
花呗是蚂蚁金服推出的消费信贷产品，申请开通后，将获得 500-50000 元不等的消费额度。用户在消费时，可以预支蚂蚁花呗的额度，享受“先消费，后付款”的购物体验。
Huabai is a consumer credit product launched by ant financial. After the application is opened, it will get a consumption line of 500-50000 yuan. When users consume, they can advance the amount of ant flower and enjoy the shopping experience of “consume first, pay later”.
蚂蚁花呗自 2015 年 4 月正式上线，主要用于在天猫、淘宝上购物，受到了广大消费者，尤其是 80、90 后消费者的喜爱。为了更好地服务消费者，蚂蚁花呗开始打破了购物平台的限制，将服务扩展至更多的线上线下消费领域。
Ant flower has been on line since April 2015, mainly used for shopping on tmall and Taobao, and has been loved by consumers, especially the 80’s and 90’s. In order to better serve consumers, ant flower began to break the restrictions of shopping platforms and expand its services to more online and offline consumption fields.
蚂蚁花呗上线仅半个月，天猫和淘宝已有超过 150 万户商户开通花呗。不少反应更快的商户，已经开始修改宝贝描述，直接加入“支持花呗”的字样，以期能更加精准地吸引消费者。杜蕾斯天猫旗舰店的负责人告诉记者，针对蚂蚁花呗新用户，特意推出的一款商品，一天热销过万份，把一周存货抢光。
Ant flower has been online for only half a month, and tmall and Taobao have opened more than 1.5 million businesses. Many merchants with faster response have started to modify the description of babe and directly add the words “supporting Huabai” in order to attract consumers more accurately. The head of Durex tmall’s flagship store told reporters that for the new users of ant flower, a special product was launched, which sold more than ten thousand copies a day, robbing the weekly inventory.
Huabei is an online shopping service provided by ant micro loan to consumers to “buy this month and pay back next month” (pay back next month after confirming receipt). At present, most of the merchants or commodities of tmall and Taobao support Huabei service. Whether the specific commodities can be purchased by Huabei is subject to the display on the cash register page. Huabei products have been officially launched, and the user groups are gradually expanding.
用户确认收货之后在下个月的 10 日之前还款即可，并可使用支付宝账户余额、账户中绑定的储蓄卡快捷，或余额宝自动还款，也可以主动进行还款。
Users confirm payment can be repaid 10 days before next month, and you can use Alipay account balance, quick savings card in the account, or automatic repayment of balance treasure, or you can take the initiative to make repayment.
每个月 10 号为花呗的还款日，用户需要将已经产生的花呗账单在还款日进行还清。到期还款日当天系统依次自动扣除支付宝账户余额、余额宝（需开通余额宝代扣功能）、借记卡快捷支付（含卡通）用于还款已出账单未还部分。为避免逾期，请确保支付宝账户金额充足。如果逾期不还每天将收取万分之五的逾期费。同时，花呗的逾期记录也将报送至芝麻信用，影响芝麻信用分值。
The 10th of every month is the repayment date of Huabei. Users need to pay off the generated Huabei bills on the repayment date. On the day of repayment, the system automatically deducts the balance of Alipay account, Yu Ebao (the need to open the balance function of the reserve), and the quick payment of the debit card (including cartoon). To avoid overdue time, please ensure that the amount of Alipay account is sufficient. If overdue, a daily overdue fee of 5 / 10000 will be charged. Meanwhile, Huabei’s overdue records will also be submitted to sesame credit, affecting sesame credit score.
In addition, Huabei, tmall by stages, tmall’s first try and then buy, and Taobao’s first use and then pay service will share one consumption quota.