If daily interest is selected, the interest will be calculated daily after the loan is received, and the actual loan interest rate will be displayed on your loan page.
Calculation method: daily interest = current principal payable (all outstanding principal) * daily interest rate.
If you choose to calculate interest on a monthly basis, repay the principal and interest on a monthly basis: if you repay the loan principal and interest in a fixed amount every month, you must pay off the full amount due 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.
Calculation method: monthly interest = loan principal * monthly loan interest rate.
JD.COM Loan is a rapid application platform for Internet credit products launched by JD Finance. Banks, consumer finance companies, microfinance companies and other financial institutions provide you with convenient and fast online unsecured loans. note:
1. If the principal and interest of the current loan are not fully repaid on or before the repayment date, it will be deemed overdue, and the days of default will be counted from the overdue date.
2. If it is overdue for more than two times, the liquidated damages for each period shall be calculated cumulatively (the amount of liquidated damages shall be rounded to two decimal places).
The approval time for the loan amount borrowed in JD.COM is:
At present, borrowing money is an invitation mechanism in JD.COM, and invited customers can apply for borrowing money through the borrowing page.
Jingdong financial App operation path: jingdong financial App home page-borrow money-view all employers.
At present, JD.COM. COM's loan cooperation platforms include Nanjing Bank-Cheng Yi Loan, Baoshang Bank-Oxfam Loan, Shanghai Bank-Shanghai Bank Credit Easy Loan, Zhaolian Consumer Finance Company-Zhaolian Good Term Loan, China Post Consumer Finance Company-Youni Loan, Laiqianhua, BOC Consumer Finance Co., Ltd.-Microfinance, Chengdu WeChat Small Loan-Free Flower Bai, Guangyuan Small Loan-Guangyuan Credit Wallet, Give You Flowers and Instant Loan.
Most of them are bank financial institutions or consumer finance companies, which have a good reputation in the industry. Compared with private small loans, the interest will be lower.