The interest of JD.COM gold bars shall be calculated from the date when the borrower applies for a loan. According to the official explanation, the expected annualized daily interest rate of most users is 0.05%, and the 20% discount during the event is only 0.045%. The default repayment period is 12 months, and users can choose to divide the repayment period by 1, 3, 6 and 12 months.