JD.COM Gold Bar can apply for deferred repayment, provided that the borrower does encounter some special circumstances, such as bankruptcy, serious illness and coma, natural disasters, freezing of litigation assets and other force majeure factors.
Second, the specific analysis
Under these special circumstances, the borrower can negotiate repayment with JD.COM Gold Bar, and can choose to reduce certain loan interest, extend repayment time, or re-installment the current bill.
Before the borrower applies for deferred repayment, it is best to prepare a "certificate of financial difficulties", clearly stating that the borrower does have financial difficulties at present, but he still has the ability to repay in the future.
The proof of economic difficulties can be stamped by the neighborhood Committee or village Committee, which can have certain legal effect.
Bring proof of financial difficulties to negotiate with the customer service staff of JD.COM Gold Bar, and the possibility of successful repayment delay will be greater.
In addition, borrowers should also be careful not to negotiate with the collection staff all the time when applying for deferred repayment.
According to the regulations, the authority of the collection personnel is limited to dunning and reporting the collection situation, and it is impossible to help the borrower apply for deferred repayment or other schemes.
The borrower can directly contact the customer service staff of the gold bar or the staff of other departments to put forward his own demand for deferred repayment.
If the borrower finally fails to apply for deferred repayment, it will generate corresponding penalty interest.
According to the regulations of gold bars, the overdue penalty will be collected daily from the overdue date, and the penalty rate is about 0.06%-0. 15%. Although liquidated damages will be charged, no additional daily interest will be charged.
Calculation formula.
Liquidated damages = unpaid principal * liquidated damages rate * days of default.
It is also necessary to remind borrowers that it is best to apply for deferred repayment before the gold bars are overdue.
Because after the deadline, the gold bar system will first judge that the borrower has no repayment ability, and it is more likely to refuse to postpone repayment.
Therefore, if the repayment cannot be made on time after the due date, it will lead to overdue repayment, and deferred repayment is not supported.
If this kind of non-compliant online loan is overdue, it will not affect your personal credit status, but the online loan record will remain in the online loan big data. Search: Winnie Hsin, check your online loan history, overdue details of online loans, debt situation, untrustworthy information, and online loan blacklist.
Is there an annual fee for 3.JD.COM gold bars?
JD.COM Gold Bar is a daily interest-bearing loan product. If the user fails to apply, no fees will be incurred.
Even if the user submits an application, the review fails or the loan fails, no fees will be charged.
Even if the gold bars are not used for a long time, there will be no annual fee. Generally speaking, only bank cards charge an annual fee.
In addition, gold bars are not used for a long time, and users can choose to lock gold bars or close them. It should be noted that after the gold bars are closed, they cannot be reopened.