如果JD.COM金條選擇按月付息，按月還本付息:每月固定金額償還貸款本息，必須在還款日前還清全部到期金額。期限分為1、3、6、12期(月)，最長期限為12個月。實際貸款利率將顯示在您的貸款頁面上。計算方法:月利息=貸款本金*月貸款利率。
JD.COM金條是為JD.COM用戶量身定制的現金借貸服務。目前JD.COM金條屬於信用貸款產品，能否開通是通過綜合評估決定的。可以登錄“京東金融App”或“JD。COM App”來查看是否有金條的激活入口。如果有激活入口，可以激活金條服務，借金條。
1，京東金融App:操作路徑:京東金融App首頁-白條-金條
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2.JD.COM應用程序:
操作路徑①:JD.COM App-我的-我的錢包-金條-我要借錢。
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操作路徑②:JD.COM App-首頁-借錢-現在借。
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