The loanable amount of 1.JD.COM gold bars ranges from 500 yuan to 200,000 yuan. The system will give a certain loan amount according to the borrower's personal credit information and ID card information. The longest loan term is 12 months and the daily interest rate is 0.04%~0.05%. It is easier to open for users who often use JD.COM products. In addition, JD Finance needs to apply for credit information because its funds come from cooperative banks. If JD.COM gold bars can't repay on time, it will also affect personal credit records. After the general loan is successful, it will be directly transferred to the personal bank card. Remember to pay off the current bill before the monthly repayment date. If it is overdue, a certain penalty will be charged according to the loan slip contract.
2.JD.COM gold bar borrowing steps: log in to Jingdong Financial App and register, and then click on the homepage of Jingdong Financial App-White Bar-Gold Bar in turn to borrow money; You can also log in to JD.COM App through JD.COM App and click My-My Wallet-Gold Bar-I want to borrow money.
Operating environment:
Brand model: iPhone 13
System version: iOS 15.0
App version: 10.3.0
3.JD.COM gold bars are credit loans, and only users with good credit can borrow them. If you can't apply for JD.COM Gold Bar Loan or there is no entrance to JD.COM Gold Bar, it means that the borrower's information has not passed the system evaluation for the time being, and you can't use JD.COM Gold Bar to borrow money. You can continue to try it after a while. ?
When users borrow money from JD.COM Gold Bar, they can repay it in installments. The supported periods are 1, 3, 6 and 12. 1 period is 1 month, and the longest period is 12 months. Users usually receive the loan application within 30 minutes after submitting it. In some cases, the staff will communicate with the borrower by telephone for review, and the time will be prolonged.
5. Borrowing with JD.COM gold bars can be up to 200,000 yuan, and the daily loan interest rate is as low as 0.025%. When handling installment payment, you can support flexible installment by day and month. When users choose installment, they can choose according to their own income, so as to ensure that users can repay the loan on time without overdue repayment. There will be penalty interest after overdue repayment, personal credit will be affected, and poor credit will affect subsequent loans.