1. Although the loan threshold is relatively low, there is still a threshold. Generally speaking, banks that provide loan services will have requirements for personal income and credit records;

2. Only the ID card can't provide a loan, because the ID card can't provide a complete loan basis;

3. inclusive finance and inclusive loans are not the same thing. Inclusive finance mainly provides financial services for socially disadvantaged groups;

4. If the loan interest rate is different from the benchmark loan interest rate, the loan interest rate can be adjusted.

Benefits of loans

1. Loans can reduce the threat of inflation. From the early days of the People's Republic of China to the 20th century, the inflation rate of RMB became faster and faster, and the currency became less and less valuable. At the same time, prices continue to rise, with an annual increase of about 5%- 10%. In this case, if you choose a long-term loan, the actual repayment amount is obviously less than the scheduled repayment amount, then the long-term loan is beneficial;

2. The loan can be used for the daily life of the lender. If the salary is not high but you want to pursue a higher quality of life, you can choose a loan to buy daily necessities. After the loan, you only need to pay back a certain amount of money every month. With the development of the times, more and more people borrow money to buy houses and cars, with the aim of basically improving their current lives;

Loans can bring more opportunities to accumulate wealth, and house prices are rising rapidly. If you keep saving money, the chances of buying a house successfully are slim. Choosing a loan method at this time can bring more possibilities to individuals.