Is it easy to get a Jingdong car loan?

It is still very easy to get a Jingdong car loan, provided that you have a car in your name and the procedures are complete. The method of applying for a car loan has also been introduced in detail. Friends in need can apply according to the above steps

First, JD.com’s car loan is the same as other car mortgage loans. It is also based on everyone’s requirements. The loan amount is determined based on the car's condition. Generally speaking, the better the usage of your car and the higher the market price, the higher the loan you can apply for.

Second, the loan period of JD.com’s car loan is also relatively long and supports monthly installment repayment. There are many repayment periods to choose from for Jingdong car loans, and you can choose according to your needs.

Third, interest management fee. When each interest payment is made, the platform charges 6% of the interest as the platform’s fund management fee. Withdrawal fees are ridiculous. Funds that have been recharged and not invested are displayed as non-withdrawable funds. When withdrawing, investors can convert the funds to withdrawable funds by themselves. Switching to withdrawable funds will incur a handling fee of 0.5; the first three transactions of funds after investment are required every month. Withdrawals are free, and there is a handling fee of 2 yuan for each transaction after more than three transactions. The minimum amount for a single withdrawal is 50 yuan, and there is no maximum limit.

Fourth, corresponding performance fees will be charged on the JD Auto Loan Performance Platform. Funds that have been recharged but invested will be displayed as non-cashable funds. Investors will operate as withdrawable funds when they want to withdraw, but On the premise of switching to withdrawable funds, a handling fee of 0.5 will be charged.

Fifth, Jingdong Auto Loan will charge interest management fees. When each interest remittance arrives, the platform will charge 6 as the platform's fund management fee. Jingdong's car mortgage loan interest is around 0.94. For specific interest information, you can consult the customer service staff of Weidai.com. To apply for a car mortgage loan, you only need to follow the steps in the article.

Sixth, car loan is a vehicle mortgage loan product jointly launched by JD Finance and a cooperative institution (Wedai.com). The user completes the reservation online, and the cooperative institution (Weidai.com) handles the loan business for the user offline. Is it easy to get a JD car loan? Just take a look and you’ll know

? JD.com Auto Loan is a platform initiated by JD.com that unites multiple auto financial institutions to provide users with vehicle mortgage loan services. As long as the car owner binds the car in his name, that is You can apply for a loan, with a maximum loan amount of 750,000, and a maximum loan term of 48 terms. Once the money is available, you can drive your car. So, is it easy to get a JD car loan? Let’s analyze it together.

1. Is it easy to get a JD car loan? As long as you can meet the vehicle mortgage loan conditions of the cooperative financial institution, it is easy to get a JD car loan. Jingdong Auto Loan currently cooperates with three institutions: China Enterprise Huitong International Financial Leasing, Ping An Bank Automobile Consumer Finance Center, and Shanghai Yixin Financial Leasing.

2. Jingdong car loan application conditions 1. Chinese nationals aged 18-60 years old, excluding people from Hong Kong, Macao and Taiwan; 2. Starting from the first registration date, the vehicle purchase time must not be More than 10 years; 3. The vehicle mileage is less than 150,000 kilometers, and there is currently a certain mortgage value, such as the vehicle’s assessed value is required to be more than 30,000 yuan; 4. Other conditions required by third-party cooperation agencies, such as the vehicle is currently unsecured, personal Good credit, vehicle registration certificate, etc.

3. Warm Tips 1. If the vehicle currently has a loan and is being mortgaged, you can also try to apply, but it generally requires a normal mortgage for one year. 2. Regarding the specific meaning of good personal credit, different lending institutions may have different requirements. Some only look at whether there is overdue or the degree of overdue, and some also look at the debt under the name in addition to the overdue situation. 3. Please note that the mobile phone number you apply for must be authenticated by your real name, and you may be required to register your real name for one year to reflect the true stability of your identity. The above is the relevant content about "Is it easy to get a JD car loan?" The specific application conditions are subject to the requirements of the lending institution.

What is the general interest rate for JD car loans? Calculation example

;? JD Car Loan is a vehicle mortgage loan product specially provided on JD Financial App for car owners with loan needs. The maximum loan amount is 750,000 and the maximum loan period is 48 months. Online After applying, signing offline, and obtaining loan funds, the vehicle can still be driven as usual. So, what is the general interest rate for JD car loans? Let’s take a look below.

1. What is the general interest rate for JD car loans? To calculate interest, you must first know the car loan interest rate. The interest rates are mainly provided by three cooperative institutions: China Enterprise Huitong, Ping An Bank, and Shanghai Yixin. Let’s look at them separately: 1. China Enterprise Huitong: the annual interest rate is about 15 . 2. Ping An Bank: The annualized interest rate is divided into four levels: 12, 14, 16 and 18. The annualized execution interest rate for performance insurance users is unified. Shanghai Yixin: The annualized comprehensive interest rate is about 17-24. Therefore, we can roughly conclude that the annual interest rate of Jingdong's car loan is as low as 12 and the highest is no more than 24.

2. Specific example calculations Assume that the loan amount applied for Jingdong car loan is 300,000, and the repayment is in 36 installments, with equal principal and interest repayment, then:

1. The annual interest rate is 12 Total interest = yuan, monthly repayment amount = yuan, total principal and interest = yuan.

2. The annual interest rate is 24, the total interest = yuan, the monthly repayment amount = yuan, and the total principal and interest = yuan. Therefore, if a loan of 300,000 points is repaid in 36 installments, the interest rate on a JD car loan will generally be between RMB 30,000 and RMB. The above is the relevant content about "What is the general interest rate of Jingdong car loan". It is for reference only. The specific interest rate is subject to the quotation of the institution that actually provides loan services. Has anyone borrowed a JD car loan? Is it easy to get a JD car loan?

; When everyone is faced with a shortage of funds on hand, the first thing most people think of is "borrowing money." Some people will choose to borrow money from relatives and friends, while some users will consider loans more. There are many loan products on the market, and car loan is one of the more common ones. Has anyone borrowed a JD car loan? Is it easy to get a JD car loan?

Has anyone ever borrowed a JD car loan? JD Car Loan is a vehicle mortgage loan service jointly provided by JD Finance and Weidai.com. Users apply online at JD Finance, and Weidai.com provides users with loan services. As of 2021, JD Car Loan has been operating online for about 7 years, and more than 10 million users are already using JD Car Loan.

Does Jingdong car loan need to pledge the car? Jingdong car loan is different from some car loan platforms. Jingdong car loan does not require the user to pledge the car. It only requires the user to provide the vehicle registration certificate, vehicle driving license and other relevant materials, and does not require the mortgage of the green book. You can use relevant photocopies and ID photos for the green book. However, after users apply for a loan at JD.com Auto Loan, staff will conduct offline interviews, vehicle verification and other tasks. It takes approximately 1-3 working days from submission of application to disbursement. The longest installment period that can be selected for JD.com’s car loan is 48 periods, and the lowest monthly interest rate is 0.74.

Is it easy to get a JD car loan? JD.com’s car loan loan does not have high qualification requirements for users. Users need to be over 20 years old and not college students. Have a legitimate and stable job and source of income, and there must be no serious stains on your personal credit report. Of course, if the user's credit report shows that the debt ratio is too high, the loan applied for on JD Auto Loan may also be rejected. The above is the sharing of relevant content about "Has anyone borrowed a JD car loan?", I hope it can help everyone!