JD.COM gold bars are regular, and the interest is not high.
Gold bars shall bear interest on a daily basis from the date of loan receipt, with the daily interest rate of 0.04%-0.095%. The actual loan interest rate will be displayed on the loan page.
The gold bars will arrive in 30 minutes. In case of upgrading and maintenance of the banking system, the video page may be notified. Please pay attention to the inspection and the loan receipt. The loan can be divided into stages according to 1, 3, 6, 12 months (period), which is also a repayment date for your repayment management. The actual term of a single loan is not necessarily displayed and displayed on the IOU page.
JD.COM gold bars have regular interest.
Gold bars shall bear interest on a daily basis from the date of receiving the loan, and the daily interest rate shall be 0. The actual loan interest rate will be displayed on the loan page.
After the gold bar loan application is submitted successfully, the funds will generally arrive within 30 minutes. In case of upgrading and maintenance of the banking system, it may affect the account time, and there will be a notice on the gold bar loan page. Please pay attention to the inspection and the loan receipt. The loan can be repaid in installments of 1, 3, 6 and 12 months. In order to unify all the IOUs to a repayment date every month, it is not necessarily the whole month. The actual term and maturity date of the loan are displayed on the IOU page.
Is it true that 2.JD.COM Gold Bar said that the interest rate is higher than the national standard? Why is the interest rate of my JD.COM gold bars high?
The annual interest rate of gold bars in JD.COM is generally normal, but it is understandable that it is higher than the national standard. Bank interest rates will be lower than other platforms, but the requirements will be stricter and the approval will be slower. Other platforms can lend out immediately if there is no problem with credit reporting.
Is it true that JD.COM Gold Bar said that the interest rate is higher than the national standard?
If the interest rate of gold bars in JD.COM is higher than the national standard, it may not be repaid, but the interest rate may be lowered through negotiation. If negotiation fails, you can complain to the Banking Insurance Regulatory Commission.
If you don't return it, there will be the following consequences:
1. The user's credit is damaged, and the white note is a credit product, which is connected with the credit information system of the People's Bank of China. If you don't return it, you will definitely be reported, and your overdue record will be kept for more than 5 years;
You need to pay liquidated damages. After the overdue IOUs, your liquidated damages and overdue penalty interest will be calculated on a daily basis. The longer the overdue time, the higher the interest;
3. Your debt will be sealed, and your quota will be taken back. It will be more troublesome to open it later, and you may not be able to open it.
Is the annual interest rate of JD.COM gold bars 23.75 legal?
illegal
The annual interest rate refers to the deposit interest rate for one year. The so-called interest rate is the abbreviation of "interest rate", which refers to the ratio of interest amount to deposit principal or loan principal in a certain period of time. Usually divided into annual interest rate, monthly interest rate and daily interest rate. The annual interest rate is expressed as a percentage of the principal, the monthly interest rate as a percentage, and the daily interest rate as a percentage.
Why is the interest on my JD.COM gold bars so high?
The loan interest rate of JD.COM Gold Bar is determined by the system evaluation, and the credit qualification of users is poor. In order to reduce the risk, the system will increase the loan interest rate of users' gold bars. Moreover, different users have different credit qualifications. Compared with other users, the credit qualification of users is also at a poor level, so that the interest rate of gold bars of users will be higher than others. However, the loan interest rate of gold bars is not constant, and the credit qualification conditions of subsequent users have improved, and the loan interest rate will be adjusted accordingly.
3. Why are gold bars generally higher than bank interest?
JD.COM gold bars are generally higher than bank interest for the following reasons:
The first reason is that Jingdong Finance is not a banking financial institution and cannot absorb low-cost deposits (demand deposits).
The second reason is that Jingdong Finance obtains funds through issuing ABS and other channels, and the cost of capital is relatively high. Therefore, the interest rate of gold bars in JD.COM is very high. The cost of obtaining funds is high, and the cost of selling funds will also rise.
The third reason is that JD.COM gold bar business belongs to unsecured and unsecured cash loan business, which is equivalent to credit loan, and the loan interest rate is higher than the secured interest rate.
The fourth reason is that the gold bar business in JD.COM belongs to cash loan business, and the interest rate of cash loan business in the open market is generally high. The interest rate of JD.COM gold bar business will not deviate from the cash loan business in the open market.
Fifth, the borrower's repayment record and personal credit status will be recorded in the backstage of JD.COM Gold Bar. If the credit status is not good, the interest rate of JD.COM gold bars will increase.
4. Why is the interest rate of my JD.COM gold bars higher than others?
The gold bar rate will be dynamically adjusted through system evaluation according to your usage and credit status. At present, the daily repayment rate of gold bar loans we provide to users is between 0.025% and 0.095%. Maintaining good loan repayment habits and credit will help you get lower interest rates.