If I pay back 14,6 yuan a day, four years is 1,46 days, then multiply it by ten, and then calculate the interest. Someone successfully applied for the vitality flower, borrowed 15 yuan for 15 days, and finally repaid the principal and interest of 165 yuan. Some users borrowed 1 yuan and paid it back in three months, and the interest was calculated as 91 yuan, which was almost three times as high as that borrowed by ants. Generally speaking, the interest rate of vitality flowers is relatively high. How about JD.COM Vitality Flower? Is the interest on vitality flower high?
; ? Jingdong Finance cooperated with major merchants to realize the function of borrowing money from JD.COM, and many small partners paid more attention to JD.COM Vigorous Flower, which is a mobile phone credit loan platform with a maximum amount of 2, yuan. Let's take a look. How about Vigorous Flower? Is the interest high?
1. How about vitality flower? Vitality flower is a cooperative relationship with Jingdong Finance, not a loan from JD.COM. When applying, you need to read the contact person, address book, etc. It is understood that you will also check the credit information on the credit information. Since it is a cooperative business in JD.COM, it should be able to guarantee the safety, but the interest of similar small loan platforms is generally relatively high, with the advantage of fast payment and simple application. If you are in urgent need of money, you can choose vitality flower, and the application entrance is in Jingdong Finance-Borrowing Money-Vitality Flower. If there is no entrance, it proves that the credit is not enough, and you can improve your personal credit and information before applying.
second, is the interest on vitality flower high? According to the feedback from netizens who successfully made the next payment, if you borrow 1 yuan and pay it back in three months, the interest will be calculated as 91 yuan, so the interest is relatively high. In addition, if the vitality flower is overdue, you may receive a collection call, and it is recommended that you repay it in time so as not to cause trouble to your personal life. Warm reminder: If the application for vitality flower prompts "Creation failed", you can choose another time to try again. If not, you may be stuck in a routine and cannot apply for it for the time being. How to calculate the interest of JD.COM vitality flower? How much is it to borrow ten thousand interest?
; ? In 218, JD Finance cooperated with major lending institutions to borrow money. If users have a good reputation, they can automatically match the appropriate institutions. In addition, when applying for gold bars and white bars owned by Jingdong Finance, if they do not meet the requirements, they will automatically jump to a product called "Vigorous Flower". Is the interest on this JD.COM Vigorous Flower high? How to calculate?
1. There are many entrances to the official introduction of vitality flowers in JD.COM. You can not only borrow money from JD.COM, but also jump automatically when applying for gold bars and white bars. In addition, Android users can download and install it in the mobile phone application market. According to the official introduction of Vigorous Flower, the interest rate of Vigorous Flower is very low. It is said that if you borrow 1 yuan, the interest only needs RMB for one day, then the daily interest rate for borrowing RMB 1, is 5 yuan, and the daily interest rate is five ten thousandths. Is this really the case?
Second, feedback from users of JD.COM Vibrant Flower shows that there are still many borrowers who have successfully made the next payment, but it is generally reflected that the interest is very high; A user reported that he borrowed 3, yuan and paid it back in three months, and the total principal and interest was RMB. As can be seen from the loan contract posted by users, the repayment method of JD.COM Vitality Flower is equal principal and interest, the comprehensive cost is 36%/ year (perfectly lower than the legal standard), the prepayment requires a handling fee of 1 yuan, and the total service fee is 54 yuan/month (including service fee and technical maintenance fee). It is worth mentioning that if JD.COM Vitality Flower is overdue, the late payment fee is (1+ overdue principal * yuan/day. As can be seen from the above, apart from the service charge, the interest may not be very high, but the miscellaneous expenses are still on the high side. If it is not particularly short of money, it is worth considering.