Jingdong Finance provides a variety of lending platforms, including gold bars, borrowing money and mortgage loans. Whether the interest is high or not needs specific analysis:
(1)JD.COM gold bar: The maximum loan amount is 200,000 yuan, with interest calculated from 0.025% every day. You can borrow and pay back, and you can also repay by installments. If the loan is 654.38 million yuan, the daily interest of JD.COM gold bars will be at least 2.5 yuan.
(2) Borrowing money: The loan amount is as high as 200,000 yuan, and the daily interest rate is the lowest 0.03%, which is slightly higher than that of JD.COM gold bars.
(3) Mortgage loan: namely mortgage loan. The maximum loan amount can reach 6.5438+million, and the minimum monthly interest rate is 0.5%. This kind of loan has a long loan term and high total interest.
However, whether it is gold bars, borrowing money or mortgage loans, the interest rates given by Jingdong Finance are different for applicants with different credit conditions. Improving personal credit is the key to low-interest loans.
Jingdong Finance is a personal financial business brand of JD.COM Digital Technology Group, which started its independent operation on June 20 13. With big data, artificial intelligence, Internet of Things and other technologies as the core, it has completed the layout of digital finance, digital enterprise services and digital city, realized the integration of individuals, enterprises and governments, and won the "Annual Credit Risk Control Technology Implementation Award" of Asian Banker in 20 17.
Jingdong Finance has launched nearly 10,000 financial products such as white bars, funds, bank wealth management, small coffers, gold bars, small white cards and small gold cards, covering four business segments of wealth management, lending and insurance in stages.
Jingdong Financial Core Competitiveness:
(1) Platformization: Jingdong Finance has a fund consignment license, an insurance brokerage license and an insurance agency license, and is a licensed consignment platform for funds and insurance products. Jingdong Financial Platform sells nearly 10,000 financial products from nearly 1,000 financial institutions, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments.
(2) Intelligentization: Relying on the powerful digital technology capabilities of JD.COM Digital Branch, the parent group of JD Finance, JD Finance has launched a series of application-oriented solution-level products including intelligent risk control, intelligent customer service, intelligent investment, AI investment and research, and quantitative marketing through AI technologies such as machine learning, computer vision, voice recognition, and a series of scientific and technological capabilities such as big data and blockchain.
Based on the application of these technologies, on the one hand, Jingdong Financial App can intelligently customize the homepage interface and content push of each user according to the daily search content and product usage habits of users, further reducing the user's selection time and improving the decision-making efficiency. On the other hand, relying on its core technical capabilities, JD Finance is also cooperating with financial institutions to develop financial products that meet the needs of users, so that users can reduce investment risks and provide rational and scientific suggestions when making personal financial decisions.
(3) Content: With the accumulation of high-quality resources in the financial field for many years, JD Finance innovatively built a peanut circle with investment education as the core. Open interactive content forms such as pictures and texts, short videos, questions and answers, live broadcasts, and circles, and invite 500 financial giants such as economists, fund managers, investment managers, financial analysts, actuaries, and pan-financial KOL to settle in the community and share information including pan-finance, financial product analysis, insurance product evaluation, personal investment experience sharing, and financial education.
Is Jingdong Financial Loan Reliable? What is the interest rate?
Hello, is Jingdong financial loan reliable? How can Jingdong Finance borrow money reliably? It is understood that most lending institutions of JD.COM Lending Platform are banks or large financial institutions, which will check and submit credit information, so the audit is strict. If the credit information is not expensive, you can try it. Jingdong financial loan is formal and reliable. The interest rate of borrowing money from Jingdong Finance is not very high, and the average daily interest rate is between 0.03% and 0.095%. If the credit is good, you can get lower interest. Many users borrow money from it, and the interest rate is about four ten thousandths, that is, 1 0,000 yuan is borrowed. Daily interest on 4 yuan is still acceptable. However, it is said that not everyone can open a loan platform in Jingdong Finance. Borrowing money from JD.COM is an invitation system. Generally, users with good credit and high activity will be invited, and the success rate of the next payment after the invitation is still very high.
Where the direct account is the most reliable, and compared with other loan methods, the online loan platform is convenient to apply for loans and fast to lend, but paying attention to choosing a formal platform when applying for online loans can better protect personal interests and information security. At the same time, be careful not to pay the pre-loan fee to avoid being cheated.
I recommend you to use the money flower, which is a credit service brand under Du Xiaoman Finance (formerly Baidu money flower, renamed as "money flower" in June 2065438+08). Big brands are reliable and trustworthy with low interest rates. Money spent-full easy loan, the maximum loan amount is 200,000 (click the official free loan amount), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.
Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.
Is the annual interest rate of Jingdong Finance 1 1.7% high?
The loan interest rate of Jingdong Finance is not very high.
The official annual interest rate given by JD Finance is generally between 0.03% and 0.05%, and the highest annualized interest rate does not exceed 18%.
Is Jingdong Financial Loan Reliable?
In addition to providing its own loan services, JD Finance also cooperates with banks and licensed consumer financial institutions, using itself as a loan platform to provide customers with a variety of loan products. Jingdong Finance is licensed, and banks and licensed consumer financial institutions can provide loan services, so it is more reliable to borrow money from Jingdong Finance.
However, different loan products have different application conditions and loan interest rates, so users need to apply according to their own loan needs.
Extended data:
Is the interest rate of Jingdong financial loan high?
Jingdong financial loan interest is not high. Compared with domestic bank loans.
1, jingdong finance: interest = loan amount loan interest rate. Take the loan 1 000 yuan as an example, and the interest rate is 2.5%. Interest = 100002.5%=250 yuan.
2. Bank of China: Interest = loan amount, annual loan interest rate and loan time. Similarly, taking a one-year loan of 1 1,000 yuan as an example, the benchmark interest rate of China Bank is 4.35%, and the interest = 100004.35% 1 = 435 yuan.
Is the interest rate of Jingdong financial loan high?
The interest rate of financial loans in JD.COM is not high, and the average daily interest rate is between 0.03% and 0.095%. With good credit, you can get lower interest rates. Many users borrow money on this platform, and the daily interest rate is about four ten thousandths, that is, the loan is 65438+100000, and the daily interest rate is 4 yuan. In this regard, many users have said that it is acceptable.
First of all, JD Finance has launched nearly 10,000 financial products, including white bars, funds, bank wealth management, small treasuries, gold bars, joint small white cards and small gold cards, covering four business segments: wealth management, lending and insurance.
Second, JD Finance is a personal financial business product of JD.COM Digital Technology Group, and has become a personal financial decision-making platform selected by many users. Jingdong Finance takes platform, intelligence and content as its core competence, and cooperates with nearly 1,000 financial institutions such as banks, insurance companies and fund companies to provide users with professional and safe personal financial services.
Third, JD Finance has a fund agency license, an insurance brokerage license and an insurance agency license, and is a licensed fund and insurance product agency platform. At present, nearly 10,000 financial products of nearly 1,000 financial institutions are sold on the Jingdong financial platform, which has truly created a professional and safe "personal financial decision-making platform" for users. Product categories cover wealth management, lending and insurance, and are divided into four business segments.
Fourth, the wealth management section provides users with many star wealth management products including small treasury, bank selection, regular selection, funds, gold, etc. The lending section provides users with personal financial services including consumer credit, cash loans and bank loans, as well as star financial products such as white bars, joint small white cards and gold bars; The staging section provides users with a large number of authentic big-name goods, supports various payment tools and staging methods such as white bars, credit cards and small coffers, and creates a zero-threshold/full-stage shopping scene; The insurance sector provides users with life insurance, property insurance, endowment insurance, critical illness insurance, medical insurance, freight insurance, extended warranty and other insurance and related guarantee services, and can recommend insurance products according to the actual needs of users.
5. Among them, JD Finance has also set up the official store of financial institutions-"Gold Store". In the "gold shop", licensed enterprises, bank account managers, fund managers, insurance brokers and other individuals can display the popular financial products currently on sale, and provide users with pre-purchase reference through live broadcasts, videos, articles and other forms, so that users can make personal financial decisions at a lower cost.