JD.COM car loan is a automobile mortgage service project jointly launched by JD.COM financial industry and some formal financial institutions, with a maximum loan amount of 750,000 yuan. To apply for JD.COM car loan, the borrower's vehicle purchase time shall not exceed 10 year, and the cruising range shall not exceed150,000 year.
Need to verify JD.COM financial industry APP, and then find the column of "vehicle mortgage loan". Click "Evaluate Now" and fill in your car information according to the regulations on the webpage. After completing the form, select "Book Now" and fill in my information.
2. Alipay wallet vehicle mortgage loan
Alipay wallet vehicle finance is a vehicle mortgage service platform under the Ant Group. As long as the borrower has a vehicle under his name, he can be authorized to pay Alipay wallet and then apply for a vehicle mortgage loan.
According to user satisfaction, the annualized interest rate of Alipay wallet auto finance is about 18%, and the maximum loan can be more than 300,000 yuan. Although it is a vehicle mortgage loan, it is not a car loan and a card. The loan application is based on the driver's personal credit.
3. ICBC personal car loan
Personal car loans of ICBC are divided into two types: direct car loans and indirect car loans. The maximum loan amount is 80% of the meaning of the vehicle, and the loan will be paid off in five years at most. The minimum bank loan interest rate shall not be lower than the new LPR annual interest rate.
Are stocks and bonds commodities? Stocks and bonds are not commodities. First of all, from the essence of stocks and bonds, we can see that stocks and bonds are both a kind of equity certificate, which was a paper certificate in the early days. Stock is a kind of valuable securities that companies provide financing to investors in order to obtain assets. Each share indicates that the shareholder has the right to use a unit for the enterprise, and the stock is the certificate that the shareholder will receive dividends and bonuses.
Bond is a kind of evidence of bond-debt relationship, which is simply a kind of social contract. On the surface, it is a bond-debt relationship and has certain legal effect. At maturity, the borrower shall pay the debtor the principal and interest.
Fundamentally speaking, stocks and bonds do not meet the two basic characteristics of commodities, so they do not belong to the category of commodities. Commodities can be divided into small-scale commodities and theoretical commodities. Small commodities are physical commodities, while theoretical commodities include intangible services. Therefore, funds and commercial insurance should be theoretical commodities, because they also have services.
Are stocks and bonds cash equivalents? Stocks are not cash equivalents. Generally, they are highly liquid, short-lived, very easy to cash, and less hurt by changes in interest rates in the sales market, so stocks are not cash equivalents. Whether bonds are cash equivalents must be based on the actual situation. If it is a short-term bond, it is a cash equivalent if it matures within three months, but if it is a long-term bond, it is not a cash equivalent if it exceeds three months.