JD.com’s IOU can be divided into up to 24 installments. Phase 1 is equal to one month and Phase 24 is equal to two years. However, during the installment period, users can choose to repay in advance or in advance at any time, so even if they choose to pay in installments, users are still free to repay.
1. How many installments can a JD loan be divided into?
JD.com’s IOU can be divided into up to 24 installments.
The first stage is equal to one month, and the 24th stage is equal to two years. However, during the installment period, users can choose to repay in advance or in advance at any time, so even if they choose to pay in installments, users are still free to repay.
Choosing early repayment can effectively save installment fees. After all, after choosing installment payment, the loan principal and installment fees need to be repaid at each stage.
If it is during the event, Jingdong Baitiao installment payment can enjoy interest-free discounts, so that during the repayment period, only the principal of the loan needs to be repaid in each installment.
Since only the loan principal is returned, users do not need to choose early repayment or early repayment, because early repayment will not have any effect on saving handling fees. After Jingdong Baitiao is installmentd, the repayment period will be delayed and the risk of overdue will increase accordingly.
After paying in installments on Jingdong Baitiao, users must pay attention to repaying on time. Once it is overdue, the overdue record will be uploaded to the credit investigation system of the People's Bank of China, resulting in a poor personal credit investigation.
2. How long does it take to review Jingdong’s loan?
The entire process of Jingdong’s gold bar review and loan release can be divided into three parts, and the time consumed in each part will be different. The details are as follows:
1. After opening the JD gold bar rating, the review will take about 1 working day;
2. When the borrower processes the gold bar certificate review, it will take about 3 working days. ;
3. When applying for cash withdrawal, it will usually take about 30 minutes to review the loan and receive the loan (network delays, bank channel maintenance, etc. may delay).
Generally speaking, it may take 3-4 days to complete the review when applying for JD gold bars for the first time. Applying for a loan in the future will be much faster.