JD.COM IOUs are mainly used for consumer services, one of which is to provide cash withdrawal services for some users. We can understand that users who have reached a certain reputation can actually borrow money from IOUs, and they will also charge the desired rate. The lending service of JD Finance itself is JD.COM gold bars. If you really want to borrow money from JD.COM, you can try JD.COM gold bars.
For the gold bar service in JD.COM, the specific application process is as follows:
After the loan application, how long will it take to arrive?
After the gold bar loan application is submitted successfully, the funds will generally arrive within 30 minutes. If the banking system is upgraded and maintained, it may affect the payment time, and there will be a notice on the gold bar loan page. Please pay attention to the receipt and the receipt of the loan.
2 How to charge the loan interest?
Gold bars shall bear interest on a daily basis from the date of loan receipt, with the daily interest rate of 0.04%-0.095%. The actual loan interest rate will be displayed on your loan page.
How long is my loan term?
You can choose 1, 3, 6, 12 months (periods) for repayment by installments. In order to unify all the IOUs to a repayment date every month for your repayment management, the actual term of a single loan is not necessarily the whole month, and the actual term and maturity date of the loan are subject to the IOUs page display and system records.
Can I borrow more money at the same time?
Yes, as long as the account status is normal and the loan amount is not used up, you can continue to borrow.