; ? 1, resulting in penalty interest.
If JD.COM gold bars are overdue, there will be a certain penalty interest. Liquidated damages = principal payable in the current period (all principal should not be repaid) * liquidated damages ratio (days of default, liquidated damages are charged by the day, and you can also know the interest of JD.COM gold bars: (JD.com, what is the interest of gold bars).
Penalty interest will undoubtedly increase everyone's repayment pressure and cause unnecessary losses, so everyone must pay off the loan in time and not overdue.
2, affecting personal credit.
Personal credit information is becoming more and more influential in our daily life, which is equivalent to the "economic identity card" in our consumer life. Whether it is the handling of credit cards and loans, or the ride of high-speed trains and planes, it is related to our credit information. If JD.COM gold bars are overdue, they will leave overdue records on the lender's personal credit information, which will have adverse effects. If necessary, you can check the loan amount of JD.COM gold bars: (What is the amount of JD. com gold bars)
3. Collection affects normal life.
Small partners with loan experience know that if the repayment is not timely, the lending institution will generally collect it by SMS or telephone. However, according to the users of JD.COM Gold Bar, JD.COM's collection is relatively humanized, mainly giving the borrower himself by phone, which generally does not bring trouble to relevant contacts.
How much is the interest of JD.COM gold bars overdue for one day?
JD.COM gold bars are overdue by 40,000 yuan, with a daily interest of 3,000 yuan. According to relevant public information, East Gold Bar will charge 0.075% daily interest on the unpaid amount after it is overdue. JD.COM gold bars will not only generate high penalty interest, but also be reported to the credit information system by JD.COM.
What will happen to JD.COM gold bars after they are overdue
If JD.COM Gold Bar loans overdue, it will be reported to the central bank for credit investigation within one day at the earliest. Leave a bad record in the personal credit report. The adverse consequences caused by overdue are:
1. Default interest will be charged from the overdue date until all arrears are paid off. Liquidated damages = current payable principal (all outstanding principal) × liquidated damages rate (0.06%-0. 15%)× days of default.
2. Personal credit will be damaged after the system reports the overdue situation to the central bank for credit investigation. The overdue records in the credit report cannot be eliminated immediately after the arrears are paid off, and it usually takes at least five years to be deleted.
3. Jingdong Financial System is likely to implement risk control downgrade, or even freeze the quota, so that users can no longer borrow. Because of the credit problem, it is difficult to successfully apply for credit business in other financial institutions in a short time.
4. Jingdong Finance Association sends text messages and calls for dunning from time to time. If there is no response to repeated dunning, the user is in arrears for a long time, and even the platform can't contact anyone, and the amount of arrears is quite high, JD Finance may also sue the user.