At present, there are two ways to repay gold bars in JD.COM. COM: Daily repayment, monthly repayment. The interest on prepayment is different with different choices. The specific calculation method is as follows:
Daily interest = current principal payable (all outstanding principal) * daily interest rate. For example: 20 16 1 1.30 RMB gold bars were borrowed. If the loan is repaid in 65438+2.02, the loan lasts for 2 days, and the interest will be charged for 2 days. The interest rate standard is based on the page displayed when borrowing. Monthly repayment will be equal to monthly repayment of principal and interest: a fixed amount of loan principal and interest will be repaid every month, and you must pay off all due amounts before the repayment date. The term is divided into 3, 6 and 12 periods (months), and the longest term is 12 months. The actual loan interest rate will be displayed on your loan page.
In addition, the longest repayment period of JD.COM Gold Bar Loan is 12 months. In addition to 1 February, users can also choose1,3, and 6 installment repayment, and calculate the interest at the expected annualized interest rate of 0.05%. However, JD.COM gold bars are still in the promotion stage, and the daily interest rate is 20%, which is 0.04%. We will calculate the daily interest according to this standard for the time being. That is to say, if you borrow 10000 yuan a day, the interest will be the lowest in 2.5 yuan and the highest in 9.5 yuan. The annual interest rate is the lowest in 900 yuan, and the highest is 3420 yuan. So it is relatively low. However, the specific daily interest rate is subject to the page display at the time of borrowing. Different loan terms and repayment methods give different daily interest rates.
Finally, a model of JD.COM gold bar loan is divided into daily loan and monthly loan, that is, we calculate interest on a daily or monthly basis. If we can pay off the loan on the same day or the next day, our interest rate is very low, such as 0.025% or 0.094%, which are relatively low, like almost, if the loan is low, it is almost a few cents. Under normal circumstances, the loan interest agreed by both parties is slightly higher than the bank loan interest rate for the same period. The agreement is the true meaning of both parties. The debtor can also foresee that the people's court shall support the interest on the loan slip if it meets the interest rate of overdue loans stipulated by the People's Bank of China.