How to calculate Jingdong installment
With the diversification of consumption patterns, JD.com has become the first choice for many users to shop. This article will analyze in detail the calculation method of JD installment, and attach the hot topics in the past 10 days on the entire network to help you better understand and use JD installment service.
1. What is JD installment?
JD Installment is a consumer credit service provided by JD Finance that allows users to choose installment payments when shopping and spread the order amount to repay over multiple months. The number of installments is usually 3, 6, 12, etc. The details are subject to the page display.
2. Jingdong installment calculation method
JD.com’s installment fees mainly include the principal of the product and installment handling fees. The calculation method of the handling fee varies depending on the number of installments and the user's credit level. The following is the formula for calculating installment fees:
| Number of installments | Handling fee |
|---|---|
| Issue 3 | 1.5% |
| 6 issues | 3.0% |
| 12 issues | 6.0% |
For example, if you purchase a mobile phone worth 5,000 yuan and choose 12 installments, the handling fee is: 5,000 yuan × 6.0% = 300 yuan. The repayment amount of each period is: (5,000 yuan + 300 yuan) ÷ 12 ≈ 441.67 yuan.
3. Hot topics on the Internet in the past 10 days
The following are the hotly discussed topics on the Internet recently for your reference:
| hot topics | heat index |
|---|---|
| Double Eleven Shopping Festival warm-up | 98.5 |
| New energy vehicle subsidy policy | 87.3 |
| Metaverse concept stocks surge | 76.8 |
| World Cup qualifying results | 85.2 |
4. Advantages of JD.com’s installment plan
1.Flexible installment: Users can choose different installments according to their own needs to reduce the pressure of one-time payment.
2.low threshold: The application process for Jingdong installment is simple, and users with good credit are more likely to pass the review.
3.Interest-free offer: JD.com often launches interest-free installment activities, and users can enjoy zero-fee installment services during the activities.
5. How to apply for JD.com installment plan?
1. Log in to your JD.com account and select products that support installment.
2. Select the "Instalment Payment" option on the checkout page.
3. Select the number of installments and confirm the handling fee.
4. Submit the order and complete payment.
6. Precautions
1. The installment fee may be adjusted due to activities or user credit level. Please refer to the page display.
2. Late repayment will incur additional fees. It is recommended to repay on time.
3. Some products do not support installment payment, please confirm before purchasing.
Through the above content, I believe you have a clearer understanding of the calculation methods and advantages of JD installments. Reasonable use of installment services can make your shopping experience more convenient and easier!
check the details
check the details
en
