1. At least 18 years old, with full capacity for civil conduct;
2. The account has completed the real-name authentication, the status is normal and has not been appealed, and the savings card is bound.
3. Personal credit is good, there is no bad credit record in the credit report, and the small white credit score is above 85 (inclusive).
4. The amount in the account is sufficient (the loanable amount cannot be lower than that of 500 yuan, after all, the minimum amount of a single loan of JD.COM Gold Bar is 500 yuan).
JD.COM gold bar is a cash loan product. After the opening of JD.COM Gold Bar, users may apply for loans, and the successful application will increase the personal debt ratio. Therefore, some users suggested not to open JD.COM gold bars. However, even if JD.COM Gold Bar is opened, as long as users do not apply, then JD.COM Gold Bar will not generate any fees.
In a word, it is ok for users to open JD.COM gold bars. Don't use them for a long time or apply for closing them. In both cases, their personal credit information will not be affected.
Gold bars are cash lending services tailored for JD.COM users. 2065438+On March 27th, 2006, JD.COM Consumer Finance released "Gold Bar", a cash loan product for collection. “JD。 COM Gold Bar is an extension of JD.COM. Credit in cash consumption scenario. According to the "White Strip" big data model and credit evaluation system, users with cash needs can be given a richer experience of consumer financial products to meet their cash needs in various scenarios. It can be said that JD.COM Gold Bar is a lending brand similar to ant lending.
JD.COM Gold Bar Loan is a credit report. The loan records of successful loans in newspapers will show the information of JD.COM gold bars, including loan amount, lending institutions, monthly repayment amount, etc. If you can repay the loan on time, it will have little impact, but once it is overdue, it will affect your credit.
Because the type of JD.COM gold bars recorded in the newspaper is consumer loans, borrowing gold bars will affect the future mortgage. The mortgage must be down paid with its own funds, and the source of down payment will be strictly investigated, and consumer loans will be prohibited from flowing into the real estate market. When the bank finds out that the gold bars were borrowed before the mortgage, it will let the gold bars settle before the mortgage.
JD.COM gold bars can't be interest-free, and the loan interest is higher than the bank interest in the same period, which many people think is not cost-effective. In addition, JD.COM gold bars cannot be borrowed. The key is that there will be a record of loan failure. In the credit report, we will pay attention to the hard inquiry record of the next loan approval, and the number of times will make the credit spend.
In short, in JD.COM, there are several reasons why you should never borrow money from gold bars. However, everything has two sides. It's normal to have advantages and disadvantages, and you can't deny the good side just by seeing the bad side. Whether to borrow money from JD.COM Gold Bar depends on everyone's needs. Gold bars are still a good loan product for people who are in urgent need of capital turnover.