What are the requirements for JD.COM gold bar loan?

Regarding the loan conditions of JD.COM gold bars, there are mainly the following points to be met:

First, the age should be 18 years old or above, with full capacity for civil conduct.

Second, the account has completed the real-name authentication, the status is normal and has not been appealed, and the savings card is bound.

3. Personal credit is good, there is no bad credit record in the credit report, and the small white credit score is above 85 (inclusive).

4. The amount in the account is sufficient (the loanable amount shall not be lower than that of 500 yuan, after all, the minimum single loan amount of JD.COM Gold Bar is 500 yuan).

As one of many fist products under JD Finance App, JD.COM gold bars have always maintained a very good reputation and credibility in the lending sector, and have always been favored by users. As a consumer credit brand under JD Finance, JD.COM Gold Bar has been providing customized cash loan services for IOUs with good credit, which has greatly alleviated the shortage of funds such as stock market unwinding, financial redemption, renting a house and seeing a doctor.

It is understood that JD.COM gold bars are unsecured and serve 24 hours a day. You can borrow money easily by binding stored-value cards and credit cards, and all the processes can be completed online. It takes about 1 working day for the first time to open the audit qualification, and the latest comprehensive credit status of the borrower will be evaluated before lending. Generally speaking, as long as you use white bars, the greater the possibility of opening JD.COM gold bars, the higher the amount. At present, the maximum withdrawal amount of gold bars in JD.COM can reach 200,000 yuan.

In terms of repayment, JD.COM gold bars adopt the daily interest mode, with the daily interest ranging from 2.5 to 9.5, that is, borrowing 1 10,000 yuan, and the lowest daily interest rate is only in 2.5 yuan. You can not only repay the loan with it, but also repay it in advance, with different maturities such as 1, 3, 6, 12, and some users also support 18 or 24 installments. In addition, during the corresponding promotion activities of JD.COM Gold Bar, you can also enjoy interest-free coupons, 50% discount coupons and other benefits, and the discount interest is lower, which brings more benefits to borrowers.

Jingdong Finance's strong platform reputation and financial support have become an important and reliable endorsement of JD.COM Gold Bar. According to public information, the daily average loan of JD.COM Gold Bar has reached 654.38 billion yuan, and the loan balance has exceeded 654.38 billion yuan. The investors include Harbin Bank, Instant Bank, Zhongyuan Bank, Huarong Bank, Yin Bao Bank and other institutions, including almost all licensed consumer finance companies.

Relying on the accumulation of financial technology of Jingdong Finance for many years, the unique intelligent risk control system can not only reasonably evaluate users' personal credit qualifications and risk tolerance, but also provide traceability through blockchain technology to protect users' transaction security for 7×24 hours.