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

1.JD.COM gold bar borrowing method: Open JD.COM APP (version: 10.2.6) and enter the main interface of the software. Click "My Wallet" in my interface to enter the wallet management interface. Click "Gold Bar Loan" to enter the loan interface. Click "Activate Now" and you can use the loan function after activation. At present, the maximum amount of gold bars in JD.COM is 200,000 yuan, and the loan period is divided into 1 month, 3 months, 6 months and 12 months. Individual JD.COM gold bars have different quotas. Jingdong Financial's internal risk control system (Android version: 6.2.60) judges personal credit qualification before granting credit.

Operating environment: (EMUI 1 1.0 system Huawei mate40), JD.COM APP (version: 10.2.6) and jingdong financial app (Android version: 6.2.60).

The loan requirements for 2.JD.COM gold bars: the age should be above 18 years old (inclusive) and have full capacity for civil conduct; The account has completed the real-name authentication, the status is normal and has not been appealed, and the savings card is bound. Personal credit is good, there is no bad credit record in the credit report, and Xiaobai credit score is above 85 (inclusive). The amount in the account is sufficient (the loanable amount cannot be lower than that of 500 yuan, after all, the minimum amount of a single loan of JD.COM Gold Bar is 500 yuan).

1.JD.COM Gold bar loans can be divided into daily interest and monthly interest. Some customers have two interest calculation methods at the same time, and customers need to choose when borrowing money. Some customers only have daily interest or monthly interest, so they don't have to choose when borrowing money. If interest is calculated on a daily basis, the current interest payable = daily interest * loan days, and daily interest = current principal payable (all outstanding principal) * daily interest rate. The daily interest rate is 0.025%-0.095%. If interest is calculated on a monthly basis, the specific calculation method of repayment amount per installment is: repayment amount per installment = loan principal/number of loan installments+loan principal * monthly loan interest rate+liquidated damages (if any). Liquidated damages = unpaid principal * liquidated damages ratio * days of default. The monthly interest rate is 0.39%- 1. 13%.

2.JD.COM Gold Bar is an extension of JD.COM White Bar Credit in the cash consumption scenario. Users who have not activated the white bar also have the opportunity to try to apply for the gold bar service. Gold bar lending is not affected by bank card quota. At present, gold bar lending only supports savings cards and credit cards. Whether the gold bars can be successfully opened is evaluated by the system. If the opening conditions are met, you can receive SMS prompts.