1. Can I use my relatives' ID cards for personal loans?/General knowledge of loans

All loans need my ID cards.

Conditions for applying for loan business:

Natural persons aged between 18 and 65;

the actual age of the borrower and the loan application period should not exceed 7 years old;

have a stable job and a stable income;

good credit information, no bad records, and legal use of the loan;

Silver

Second, what should I do if my relatives don't repay the loan with my ID card?

I can't lend my ID card to others, and loans overdue needs to bear the responsibility. It is recommended to contact the bank to feedback the actual situation. Legal basis: Article 671 of the Civil Code of the People's Republic of China. If the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount. Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract. Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

third, if my relatives take my ID card for a loan, will I have any responsibilities in the future?

if you sign it, it will be your business in the future. if he doesn't return it, you will return it and be blacklisted. If you don't sign, then your relatives are suspected of borrowing money, but you don't have to repay it.