The quota is different: at present, the quota of gold bars is around 50 thousand; Some users can get a maximum amount of 200,000 yuan, and the loan amount is subject to Alipay Sesame Credit. The loan amount applied for ranges from 1 0,000-50,000 yuan. Users who need money badly can get it by improving their consumption records and sesame credit scores.
Which is better, ant loan or JD.COM gold bars? Which is better for JD.COM gold bars? JD.COM Gold Bar is a cash lending service tailored for JD.COM users.
At present, JD.COM gold bars are credit loan products, and whether they can be opened or not is decided through comprehensive evaluation. You can log in to "Jingdong Financial App" or "JD". COM App "to see if there is an entrance to the gold bar. If there is an entrance, you can start the gold bar service and borrow gold bars. JD.COM gold bars can be borrowed from mobile phones (JD Finance App, JD.COM App) and returned on computers or mobile phones (JD Finance APP, JD.COM APP). The reference path is as follows:
1, jingdong financial App: jingdong financial App home page-white bar-gold bar.
2.JD.COM app: jd.com app-mine-my wallet-gold bars-I want to borrow money; JD.COM App-Home-Borrow Money-Borrow Now.
Introduction to interest bearing:
If JD.COM Gold Bar chooses to calculate interest on a daily basis when borrowing, the gold bar will calculate interest on a daily basis from the date when the loan arrives, 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.
If JD.COM Gold Bar chooses to pay interest on a monthly basis, it will repay the principal and interest on a monthly basis: to repay the loan principal and interest in a fixed amount every month, all the due amounts must be paid off 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.
What's the difference between white bars and JD.COM gold bars? Gold bars are customized cash lending services for JD.COM users, and can be withdrawn.
White note is a brand-new payment method of "consumption first, payment later" launched by Jingdong Finance, which is mainly used for consumption in JD.COM Mall and other scenes, and some users can withdraw cash.
What's the difference between buying Yingman and JD.COM gold bars? Buying Yingman Cash Loan and JD.COM Gold Bar are two completely different cash loan products.
JD.COM Gold Bar under Jingdong Finance is a customized cash loan service for JD.COM users with good credit, and users enjoy differentiated interest rates and quotas.
Buyingxia Cash Loan is not a financial product of Jingdong. You can choose whether to use Buyingxia cash loan products according to your own needs.
What is the difference and connection between JD.COM's ant flower buds and white stripes? The Difference and Relationship between Ant Flower Bud and JD.COM White Stripe;
1. In terms of overdraft consumption quota, the issuance quota of Bai Hua in the internal testing stage is generally less than 5,000 yuan, while JD. COM IOUs are generally around 3,000-5,000 yuan, and the maximum consumption amount exceeds 1000 yuan. It should be noted that Alipay's "Flower Collection" and Tmall share a consumption quota by stages. Tmall tries first and then buys, and Taobao buys first and then pays * *. Users using any one of them will occupy the consumption quota, and I don't have the right to open the flower garden at present.
2. On the overdue rate, "Huabai" is not superior to "JD.COM". COM white strip. " It is understood that "Bai Hua" charges five ten thousandths of the fee for overdue consumption, which is slightly higher than the one-time overdue repayment rate of "JD.COM". COM white strip. "
3. The repayment date is different from that of "JD". 30-day interest-free period. "Bai Hua" sets 10 day of each month as the fixed repayment date, that is, 10 day of the next month after the consumer confirms the payment. So the longest interest-free period can reach 4 1 day. However, JD.COM IOUs have the function of installment payment. Users can choose 3, 6, 12 or 24 installments, and the installment service fee is 0.5%. Alipay is different. Although Ali has related functions such as Tmall staging, its business is separate. As long as the "Flower Garden" service is overdue, users will have to pay the overdue fee.
4. The repayment methods are also different. "Flower Garden" can be set with automatic associated repayment. Associated accounts include Alipay account balance, bound fast debit card and Yu 'ebao, and users only need to ensure that there is enough balance in the associated account. “JD。 COM White Strip requires users to voluntarily repay through the bound online banking wallet (the online banking wallet covers fewer users, and if it is merged with WeChat Alipay, it is estimated that the effect will be better).
JD.COM gold bars and ants borrow personal credit information? Both are on the credit report.
There are two ways to query personal credit records:
1. Go to the credit information hall of the local people's bank and provide the original ID card for inquiry;
2. Log in to the online personal credit inquiry system of the People's Bank of China for inquiry.
What's the difference between JD.COM's white bars and JD.COM's gold bars? Amount: JD.COM gold bars: the minimum loan amount is 500 yuan, and the maximum loan amount is the upper limit of your JD.COM gold bars; White-note cash withdrawal: the system comprehensively evaluates the highest cash withdrawal amount.
Arrival time: JD.COM gold bars: funds generally arrive within 30 minutes; White note withdrawal: within 30 minutes.
Special banks: JD.COM Gold Bar: Bohai Trust, Zhongrong Trust, Guilin Bank, Xi 'an Bank, Yangtze Bank, Huarong Xiangjiang Bank and Shanghai Bank; White-note cash withdrawal: At present, it is limited to Bank of Beijing and Bank of Shanghai.
Rate: JD.COM gold bars: 0.04%-0.095%; White withdrawal: from 0.05%
Loan term: JD.COM Gold Bar: 1, 3, 6, 12 months; White withdrawal: 1 installment (included in the latest installment bill)
Borrowing times: JD.COM gold bars: unlimited; White retreat: unlimited times
Whether a single loan is audited separately: JD.COM Gold Bar: Yes; Bai tui: Yes.
Bank card type: JD.COM gold bar: savings card+credit card; White withdrawal: savings card
Repayment method: JD.COM gold bar: savings card+some users support small treasury; White withdrawal: savings card+small vault
Loan term: JD.COM gold bars: overdue rate is 0.06%; White note withdrawal: the overdue rate is 0.07%.
Ant borrows VS JD.COM gold bars, and the interest rate is lower, which has remained at 0.4 for quite some time, and the gold bars are still at 0.5. You need to take a chance to catch up with the 30% discount, which is 0.35. Therefore, borrowing is more cost-effective.
Are JD.COM gold bars and ant loans small loans? You can say that, but strictly speaking, there is no difference between credit cards, because interest is not charged when the loan is fully paid off within the prescribed time limit, and interest is charged from the time when the micro-loan is lent.