IOUs in JD.COM Mall have opened a new era of Internet consumer finance, which is a brand-new payment method of spending first and paying later, thus gaining the favor of a large number of consumers. Although you can buy what you like with JD.COM IOUs, many people feel uneasy when they think of this unpaid item, so they want to repay in advance. How to calculate the prepayment fee for JD.COM IOUs?

How to operate the prepayment of JD.COM IOUs 1. Log in to JD.COM and enter your personal page. In the navigation bar on the left side of the page, select JD.COM IOUs to enter the relevant inquiry page; 2. Under "My Assets", select the JD.COM IOUs option that you want to repay, and select consolidated payment; 3. Then click "Pay Now" and enter the corresponding bank card information according to the prompt.

how to calculate the prepayment fee for JD.COM IOUs? Under normal circumstances, IOUs in JD.COM can prepay, and there will be no extra prepayment fee for users. However, if it is repayment by installment, the installment fee for the following installments still needs to be paid. There are four options for the installment number of IOUs in JD.COM: 3, 6, 12 and 24. The handling fee is 3% for each month, and so on. Then, if it is installment payment, how to calculate the prepayment fee of JD.COM IOUs? Let's take a look at an example: If someone buys a mobile phone in 12 installments for 4, yuan, the fee he needs to pay is: 12 installment fee = consumption principal * installment rate * number of installments = 4, * yuan. If he wants to pay it all back in the sixth installment, the fee he needs to pay is still 24 yuan, and it will not be reduced. Everyone should know how to calculate the handling fee for prepayment of IOUs in JD.COM, and the handling fee rate is also very low. Generally speaking, IOUs in JD.COM are a good way of prepayment. JD.COM IOUs prepayment fee

JD.COM IOUs can prepay regardless of the order system or the bill system. If they have been paid in installments, the installment service fee will still be charged and the amount will remain unchanged. Except the installment service fee and principal, there is no need to pay additional fees for early repayment. It can be operated on both Jingdong Financial APP and PC.

The steps for prepayment of IOUs in JD.COM are as follows:

1. Prepayment without bills

Computer operation path: JD Finance Home-My Assets-My IOUs-Unpaid Bills-Pay off All

JD Finance APP Operation path: JD Finance App Home-IOUs -X Month Unpaid Bills-Pay off in advance

2, Pay off all the remaining IOUs in billing system

Computer-side operation path: JD Finance Home-My Assets-My IOUs-Not Billing-Pay off All

JD Finance APP Operation path: JD Finance App Home-IOUs -X Monthly Bill-All IOUs Bill-Pay off all at once

3. Order-based IOUs are repaid in advance

Computer-side operation path: JD Finance Home-me. Select the order to be repaid for consolidated payment or directly select "immediate repayment" for a certain period of all the orders to be repaid

①. Consolidated payment:

②. Single order payment:

Jingdong Financial App operation path: Jingdong Financial App home page-blank-to be returned in the last seven days/to be returned this month-all bills-blank, select "immediate repayment" for the order to jump to the cashier page. After the repayment is successful, will the installment service fee be charged for the early repayment?

Will the installment service fee be charged for the early repayment after the installment of the white bill?

The installment service fee will be generated for the early repayment, and the installment service fee will still be charged with the same amount. Except the installment service fee and principal, there is no need to pay additional fees for early repayment.

Do you still charge installment service fees for the early repayment of JD.COM Jiezhuang IOUs?

Pay them off in one lump sum, and no residual interest will be charged. The installment service fee in the month of repayment is normally charged (except for the POP store in the mall).

will the installment service fee for prepayment of IOUs in JD.COM be reduced?

JD.COM IOUs, regardless of the order system or bill system, will still charge the installment service fee and the amount will remain unchanged if it has been paid in installments.

except the installment service fee and principal, there is no need to pay other fees for early repayment.

prepayment can be operated on both the APP side and the computer side of JD Finance.

Can the installment service fee be reduced if JD.COM Jiezhuang IOUs are repaid in advance?

If you pay off all at once, no residual interest will be charged. The installment service fee in the month of repayment is normally charged. (except POP shop in the mall)

Can I repay the bill in advance after installment

If it is a credit card of China Merchants Bank, the installment number cannot be modified after success. If you need to settle the installment payment in advance, please call our customer service hotline, enter the ID number to verify your identity-press "9" to transfer the application for you manually. After the application is approved, the unpaid principal and handling fee shall be settled in one lump sum, and the bill amount shall be paid off in one lump sum if it appears in the next month's bill. (There is no installment business for business cards)

Can I repay the bill in advance after the card is installment

If it is a China Merchants Bank credit card, you need to repay the bill in advance after applying for installment. Please call the customer service hotline of our credit card to apply for prepayment. After the application is approved, you must pay off the unpaid installment payment and the remaining unpaid fee in one lump sum, and the installment fee collected will not be refunded.

is there a service charge for prepayment by cloud installment?

No, you only need to repay the interest on the number of installments (before paying off by installments) to support early repayment, but the interest after early repayment is not needed.

Is there a service charge for early repayment by installments?

Generally, the service charge is the same, and it is the same for early repayment and late repayment.

So is the letter bag, as long as it is repaid on time.

Can the installment payment be repaid in advance?

The installment payment can be terminated in advance, but there may be a handling fee problem here. Take CCB's credit card as an example (except CCB's credit card). If there is a handling fee for this installment, the fees already collected will not be refunded, and the fees that have not been collected will be collected together (for example, the landlord has 12 installments, and the handling fee for each installment has been paid back to 2 yuan for 5 installments. However, the policy of each bank may be different. It is suggested that the landlord can call the banking service hotline to confirm again.

Do you still need to deduct 2 service charge for early installment repayment?

If the installment repayment is paid off in advance, the remaining service charge will not be collected, but a certain penalty will be charged. (2) the installment payment shall be settled in one lump sum, and the fees and service fees incurred in front shall not be refunded; ③ After one-time settlement, the quota will be restored immediately. Article 114 of the Contract Law, the parties may agree that one party shall pay a certain amount of liquidated damages to the other party in case of breach of contract, or they may agree on the calculation method of the amount of damages arising from breach of contract. If the agreed liquidated damages are lower than the losses caused, the parties may request the people's court or arbitration institution to increase them; If the agreed liquidated damages are excessively higher than the losses caused, the parties may request the people's court or arbitration institution to reduce them appropriately. If the parties concerned pay liquidated damages for the delay in performance, the breaching party shall also perform the debt after paying the liquidated damages. At that time, I asked me about the installment, and after a month, I would have to pay a lot more. He said that it would take three months to pay more than 1 points. Now there is an extra service charge of 2 yuan. I was wrong, but your mobile phone is definitely not expensive, and the monthly payment is so small. Yes, I am a student, so I just want to post a little on my monthly living expenses. Do JD.COM IOUs support early repayment?

Does JD.COM IOUs support early repayment?

prepayment interest. If the longest interest-free period is 3 days, there is no charge for prepayment. However, if you choose to repay by installments, even if you repay in advance, there will still be a handling fee for the subsequent installments. JD.COM IOUs can be divided into three stages, six stages, twelve stages and twenty-four stages, and the interest of each stage is .5%/ month.

if you choose three installments, you need to pay the interest rate of 1.5%; if you choose 12 installments, you need to pay the interest rate of 6%.

What are the precautions for early repayment

1. Pay attention to the time of early repayment: If applying for provident fund loan, the borrower is required to repay the loan for more than one year according to the contract before applying for early repayment, and when applying for early repayment, the remaining time must be guaranteed to be more than 6 months.

2. Pay attention to whether it is cost-effective to repay the loan in advance: you must pay careful attention to repaying the loan in advance, first know the amount of repayment in advance, because it involves breach of contract, so you should also know the cost of liquidated damages. If the cost is large, it would be more cost-effective to invest with this money.

3. Pay attention to surrender: At present, many large loans require the borrower to purchase insurance to reduce the risk of the loan. If the borrower has purchased insurance when applying for the loan, don't forget to surrender after repaying the loan in advance, and get back the insurance premium paid in advance.

4. Pay attention to the loan methods: At present, there are two common loan methods. One is average capital, where the monthly interest and principal are the same, and the other is equal principal and interest, both of which are decreasing month by month, so it is not suitable to repay the loan in advance if it is equal principal and interest loan.