1.JD.COM Is the gold bar a cash loan/online loan?
JD.COM Gold Bar is a cash loan business of Jingdong Finance from 2065438 to March 27th, 2006. Some high-quality customers in JD.COM can obtain the qualification to apply, and mainly lend money through Beijing Jinghui Microfinance Co., Ltd. (hereinafter referred to as "Jinghui Microfinance") in conjunction with banking financial institutions.
1, maximum amount: 200,000 yuan.
2. Loan term: 1, 3, 6, 12 months (period).
3, the daily interest rate ~ annualization is equivalent to ~, indicating that this annualization is not low.
4. Crucially, because JD.COM gold bars are cash loans, users will be charged a certain amount of liquidated damages and monthly interest if they fail to do so. To sum up, if the user borrows at the annualized interest rate and collects the liquidated damages monthly after the deadline, the comprehensive loan interest rate actually borne by the user will exceed the legal red line of 36%, but it is still slightly lower than other private loan products, which is better than relying on the big tree of Jingdong Finance, with high security and high popularity.
2. If JD.COM gold bars are closed, do you still need to repay the borrowed money?
1. Even if JD.COM Gold Bar is closed, it does not mean that it will not continue to recover the arrears from the borrower. Jingdong Finance will leave the repayment entrance to the borrower through other forms.
If you don't pay back the money of JD.COM Gold Bar, it will directly affect your reputation in JD.COM. Xiaobai's credit score will be lowered, and the white note may be downgraded or closed.
Therefore, if you want to deal with JD.COM in the future and don't want to cause unnecessary trouble, it is recommended to repay as soon as possible.