JD.COM Gold Bar is a personal consumption loan service tailored for users with good credit. This product is mainly used to provide cash loan service for JD.COM IOUs users with good credit, which is a supplement to the IOUs business in JD.COM. At present, the repayment of gold bars in JD.COM only supports the repayment of savings cards and coffers (including pocket money or wealth management funds of coffers).

Matters needing attention in repayment of JD.COM gold bars

JD.COM gold bars cannot be deferred, but during the epidemic period, users can apply for deferred repayment if they belong to the following categories:

1. The first category is epidemic prevention personnel;

2. The second category is hospitalized or isolated personnel;

3. The third category is the need to isolate observers for epidemic prevention and control.

If JD.COM Gold Bar fails to fully repay the current loan principal and interest on or before the repayment date, it will be deemed overdue, and the days of default will be counted from the overdue date. If it is overdue for more than two times, the overdue liquidated damages shall be calculated cumulatively.

loan

Loan is a form of credit activity that banks or other financial institutions lend monetary funds at a certain interest rate and must return them, which can meet the needs of expanding social reproduction and promoting economic development.

Loan type

1. Mortgage housing loan

Also known as mortgage loan, it means that the buyer fills in the mortgage loan application form to the loan bank and provides the supporting documents required by legal documents, such as ID card, income certificate, house sales contract, letter of guarantee, etc. After passing the examination, the loan bank promises the loan to the buyer, and handles the real estate mortgage registration and notarization according to the house sales contract provided by the buyer and the mortgage loan contract concluded between the bank and the buyer. The bank directly transfers the loan funds to the seller's account within the time limit stipulated in the contract.

2. Car loan

Refers to the loan issued by the lender to the borrower who applies for car purchase. Automobile consumption loan is a new loan method that banks issue RMB-guaranteed loans to car buyers who buy cars at their special dealers. The term of automobile consumption loan is generally 1-3 years, and the longest is no more than 5 years.

3. Housing renovation loan

Housing renovation loan refers to a loan with the purpose of family housing renovation (some banks also provide commercial housing renovation loans), with the property and rights owned by the borrower or a third party or legally entitled to dispose of it as collateral or pledge, or with the third party providing guarantee for the loan and bearing joint liability.

4. Travel loans

Personal travel loan, as its name implies, is a loan for travel expenses issued by the lender to the applicant. Travel expenses refer to the total amount of travel expenses such as transportation expenses, accommodation expenses, tickets, services and related expenses involved in tourism projects handled by specialized tourism units and designated by lenders.