1, computer operation path:
Jingdong Finance Home-My Assets-My IOUs-No Charge-Prepayment
2. Operation path of JD Finance App: JD Finance App Home Page-White Note-Available Amount of White Note-All to Be Paid-Not Paid Back-Pay off in advance (click Partial Repayment to manually enter the repayment amount, and the partial repayment amount cannot be less than 10 yuan).
JD.COM gold bar loan requirements:
1. Know that the lender authenticates the transaction using this line through Jingdong payment password and SMS check code, and agree that any transaction successfully generated by authentication is its own transaction, and you shall bear the corresponding transaction consequences.
2. Electronic confirmation transaction vouchers and electronic information records of various settlement transactions, credit line extraction and repayment transactions generated based on electronic data information such as transaction passwords are regarded as valid vouchers for this transaction.
3. A single loan under this credit line shall be used for daily consumption, education, tourism or decoration according to the selected borrowing purpose, and shall not be used for speculative operations such as personal house purchase, car purchase, securities investment or equity investment loan funds and futures, or engage in other illegal transactions, otherwise it will be regarded as a breach of contract.
Impact of overdue gold bars in JD.COM: penalty interest, liquidated damages and consumption restrictions will be increased.
1, additional penalty interest
The calculation formula is current repayable principal (all outstanding principal) * liquidated damages rate (0.06%)* days of default, number of periods: 1, 3,6, 12, and overdue interest rate is 0.06%. For example, the loan 1000 is one day overdue.
2. liquidated damages
There was an agreement before the JD.COM gold bar loan. If it fails to repay due to its breach of contract, it shall pay liquidated damages in proportion to the penalty interest. Calculation formula: liquidated damages = unpaid amount payable * proportion of liquidated damages (0.05% per day) × days of default.
If the loan 1 000 yuan is overdue for one day, the penalty to be paid is 0.5 yuan. Therefore, for one day in loans overdue, the penalty plus penalty interest is about 1 yuan per day. The higher the daily interest, the more liquidated damages and fines.
3. Consumption restrictions
Another consequence is that the consumption in JD.COM Mall will be restricted, and it is difficult to enjoy the quality services such as cash on delivery in JD.COM and 7-day unreasonable return. In addition, it will lose the right to use loan products such as white bars and gold bars in JD.COM.