If you are not qualified for the time being, you can apply for a credit card first and get it within 24 hours at the earliest:
JD.COM gold bars are open to some users with white bars and can be used, which is a boon for users who are in urgent need of capital turnover. If you want to borrow money, you can borrow it and repay it on time every month, or you can choose to repay it in installments. Then, what's the interest on the loan of 2000 yuan through gold bars and repayment in three installments? How to calculate?
Calculation formula:
Repayment by installments = total principal payable by installments ÷ number of installments.
Fee for installment repayment = total amount of principal to be repaid × total installment rate ÷ number of installments.
The interest of JD.COM gold bars is calculated according to the daily expected annualized interest rate during the promotion period. The default repayment period is 12, and users can choose 3, 6, 9 and 12 repayment periods. The interest of each installment shall be calculated according to the daily interest ×30 days. Apply for 2000 yuan gold bars to be repaid in three installments, and then:
The repayment principal of each installment =2000÷3= Yuan.
Amount of interest paid = 2000× 30× 3 = 72 yuan.
Cost per period =0 yuan! You are not mistaken, it is indeed 0 yuan, because JD.COM gold bars are still in the promotion stage, and users will not be charged a handling fee!
In other words, JD.COM Gold Bar borrowed 2000 yuan and repaid it in three installments, including interest and principal. You only need to pay 2072 yuan in total. This is much more cost-effective than using a credit card to withdraw cash.