According to the different needs of customers, JD.COM bought three products: JD.COM White Bar, JD.COM Gold Bar and Beijing Small Loan. The loan interest has always been a concern of everyone, so what is the loan interest of JD.COM? The following is for everyone to answer.

1, JD.COM IOUs.

JD.COM White Bar is a consumption experience function of JD.COM Mall, which is similar to a credit card and adopts the mode of consumption first and payment later. JD.COM IOUs have a 30-day interest-free period, which means that as long as they are repaid within 30 days, there is no need to pay interest. However, if the IOU is not paid off within 30 days, it will generate overdue interest of 0.03% per day.

2.JD.COM gold bars

JD.COM gold bars are also one of JD.COM's loan products. The biggest difference with IOUs is the cash loan function, that is, you can withdraw cash, and you can use a savings card or credit card bound to your JD.COM account. Withdrawals can be received in 30 minutes at the earliest, with a maximum of 200,000, and the interest will be paid on a daily basis. If overdue, the penalty is 50% of the loan interest.

3. Xiao Jing loan

Xiao Jing loan is a loan service specially provided for JD.COM businessmen. The maximum loan of a single merchant is as high as 2 million yuan, and the annualized interest rate of the loan is around 14%-24%, which is lower than that of peers. The interest of Xiao Jing loan is calculated according to the store's rating, current loan amount, term and repayment method. Therefore, in addition to adjusting the loan interest rate by choosing the loan term and repayment method, the store can also obtain a better rating by improving the operation of the store and maintaining a good repayment record, thus obtaining a lower loan interest rate.