Gold bar loans can be repaid in advance, only on schedule, and user-defined prepayment amount is not supported for the time being. If you choose to calculate interest on a daily basis, the gold bars will calculate interest on a daily basis from the date of receiving the loan, and the actual loan interest rate will be displayed on your loan page. Calculation method: daily interest = current principal payable (all outstanding principal) * daily interest rate. Interest is calculated on a daily basis after the gold bar loan is successful. If repayment is made in advance, only the interest as of the actual repayment date will be charged. For example: 20 16 1 1.30 RMB gold bars were borrowed. If the loan is repaid in 65438+2.02, the loan lasts for 2 days, and the interest will be charged for 2 days. If you choose to calculate interest on a monthly basis, repay the principal and interest on a monthly basis: if you repay the loan principal and interest in a fixed amount every month, you must pay off the full amount due before the repayment date. The term is divided into 1, 3, 6 and 12 periods (months), and the longest term is 12 months. The actual loan interest rate will be displayed on your loan page. Calculation method: monthly interest = loan principal * monthly loan interest rate. You can repay in advance, but you will normally charge interest on each installment.

Can JD Finance repay in advance?

Jingdong Finance can repay in advance, support partial repayment and settle in one lump sum.

If you choose daily interest when borrowing, your interest will be calculated every day after the loan is successful. The interest charged for early repayment is the interest as of the repayment date, and the interest on the remaining principal (if any) is calculated from the day after the repayment date. If the monthly loan is average, the monthly interest will be charged normally if the loan is repaid in advance.

The core competitiveness of jingdong finance;

1. Flat.

Jingdong Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform. At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments.

Among them, the wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold, etc. The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-stage shopping scene; The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.

Among them, JD Finance has also set up the official store of financial institutions-"Gold Store". In the "gold shop", licensed enterprises, bank account managers, fund managers, insurance brokers and other individuals can display the popular financial products currently on sale, and provide users with pre-purchase reference through live broadcasts, videos, articles and other forms, so that users can make personal financial decisions at a lower cost.

2. smart.

Relying on the powerful digital technology capabilities of JD.COM Digital Branch, the parent group of JD Finance, JD Finance has launched highly applied solution-level products including intelligent risk control, intelligent customer service, intelligent investment, AI investment and research, and quantitative marketing through AI technologies such as machine learning, computer vision, voice recognition, and a series of scientific and technological capabilities such as big data and blockchain.

Based on the application of these technologies, on the one hand, Jingdong Financial App can intelligently customize each user's homepage interface and content push according to their daily search content and product usage habits, further reducing the user's selection time and improving decision-making efficiency; On the other hand, relying on its core technical capabilities, JD Finance is also cooperating with financial institutions to develop financial products that meet the needs of users, so that users can reduce investment risks and provide rational and scientific suggestions when making personal financial decisions.

At the same time, JD Finance further strengthened its search engine and established a financial "whole network product library". Through search, users can find nearly 60,000 kinds of financial products on the market on the Jingdong financial platform, and only one platform can realize the experience of inquiring and evaluating financial products on the whole network.

3. content.

With the accumulation of high-quality resources in the financial field for many years, JD Finance innovatively built a peanut community with investment education as the core, and opened interactive content forms such as pictures and texts, short videos, questions and answers, live broadcasts and circles, and invited 500 financial giants such as economists, fund managers, investment managers, financial analysts, actuaries and pan-finance KOL to settle in the community to share pan-financial information, wealth management product analysis, insurance product evaluation and personal investment experience.

Can JD.COM gold bars be repaid in advance?

JD.COM gold bars can be repaid in advance, supporting partial repayment and one-time settlement.

JD.COM gold bars are repaid in advance.

If you need to prepay, please log in to Jingdong Financial App, customize the repayment amount of gold bars as needed, and operate prepayment.

Tips: If you choose to calculate the interest on a daily basis when borrowing, the interest will be calculated on a daily basis after the loan is successful. The interest charged for early repayment is the interest as of the repayment date, and the interest of the remaining principal (if any) is calculated from the day after the repayment date; If the monthly loan is average, the monthly interest will be charged normally if the loan is repaid in advance.

JD.COM gold bars

JD.COM Gold Bar is a product of Jingdong Finance, which was listed in March 2065438+2006. It is mainly a cash loan service customized for users with good credit, which can support a maximum withdrawal amount of 200,000. JD.COM gold bars have the characteristics of online loan, unsecured, real-time batch, and quick arrival. The extension of scene use can also meet the cash needs of users in various scenarios.

JD.COM gold bars do not need mortgage, just bind stored-value cards and credit cards, and easily borrow money; Online loan, all processes can be received after online completion; Real-time approval and quick receipt. Generally, the loan application will be received within 5- 15 minutes after submission. Please refer to the bank card receipt of the receiving bank. Moreover, JD.COM gold bars can be returned as you borrow them, in advance, or in different periods such as 1, 3, 6, 12. Interest is calculated by the day.

Jingdong finance

Jingdong Finance is a personal financial business brand under JD.COM Digital Technology Group, and has become a personal financial decision-making platform chosen by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.

Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages.

If I choose to repay the loan on a monthly basis in JD.COM Gold Bar, can I repay it in advance?

Yes, but the interest and principal of the current period need to be paid off in full, and the interest for the remaining period will not be charged. Monthly interest calculation: repayment can be made in advance, but interest will be charged normally for each installment.

After borrowing money from JD.COM Gold Bar, users can choose 1, 3, 6, 12 months (installments) to repay by installments. The actual term of a single loan is not necessarily a whole month. The actual term and maturity date of the loan shall be subject to the IOU page display and system records. Of course, you can also take the initiative to pay off the loan in advance.

If your gold bars are limited, but you can't get the loan, it means that your information has not passed the comprehensive evaluation of the system for the time being. I suggest you keep good consumption habits, pay back in time, and continue to pay attention later.

: white refund: some users support white refund service. The user can withdraw the withdrawal amount of IOUs to the account's own savings card (credit card is not supported), and interest will be calculated on a daily basis (starting from 0.05%) after withdrawal, and it will be included in IOUs bill. After the debit note is withdrawn, it will arrive within 30 minutes.