1. Can I apply for a loan with only a mobile phone number and ID number?

Yes

2. Can I change my mobile phone number for a loan? It is difficult to change my credit report. Can I get a loan with a mobile phone number?

Can I exchange a loan for a loan?

As we all know, credit information is required to apply for a loan, and if you get a loan, you are likely to be rejected.

Recently there is news on the Internet that if your credit report is not good and your loan is rejected, you only need to change your mobile phone number to save the loan. Can you change your mobile phone number for a loan? If your credit report is not good, you can change your mobile phone number. Can I get a loan?

There are two situations when it comes to changing a mobile phone number for a loan:

1. After applying for a loan from an institution and being rejected, change a new mobile phone number and apply for a loan again. In this case, changing a mobile phone number for a loan is basically ineffective, because whether the loan can be used smoothly, repayment ability and other aspects are comprehensive.

When the user re-applies for a loan, only the mobile phone number has changed, but other conditions are Same, so the loan is equally likely to be rejected again.

2. After the loan is rejected, change your mobile phone number, and then go to another company

In this case, the loan may be approved, but the relationship with the mobile phone number is not particularly big, because it is different The focus of approval by lending institutions is different, so the reason why you were rejected by the previous institution may not be the key review part of this institution, so the loan application was approved.

Although mobile phone numbers are commonly used, such as registered websites, etc., and they seem to be useful, in fact, they change hands a lot. Lending institutions require users to provide mobile phone numbers just to see the user's structure and can be contacted for loans at any time. people.

In addition, lending institutions will look at how long the user has used their mobile phone number. Generally, the longer the registration time, the more stable the user's status is, which will be more beneficial to the loan.

However, no lending institution will issue loan funds based on just a mobile phone number. Is this possible?

As long as the overall situation meets the requirements of the lending institution, changing a mobile phone number will not improve the loan approval rate

3. Can I get a loan with just a mobile phone number?

Only You cannot apply for a loan with your mobile phone number. To apply for a loan through an online loan platform, you need to provide at least your ID card, contact information, bank card and other basic personal information. Some online loan platforms with strict audit conditions also need to query the borrower's credit report, provident fund payment and other information. When applying for a loan at a bank, you need to provide more detailed information, including ID card, household registration book, work certificate, salary income certificate, marital status certificate, asset certificate, etc. The bank will strictly review the borrower's credit status. If a borrower has a bad record on their credit report, they are more likely to be rejected when applying for a loan from a bank. 1. The materials required for the loan include: personal loan application form; the ID card and household registration book of the borrower (the owner of the property) is jointly owned by the husband and wife, and a marriage certificate must be provided; a commercial housing sales contract; a down payment certificate; and a loan Materials proving the person's repayment ability (such as income certificate, salary, personal tax bill, other assets, etc.); mortgage loan certificate; other materials required by the bank. Loan conditions: Over 25 years old, with full capacity for civil conduct; with a permanent residence permit or valid residence permit in China. Have a fixed job or stable financial income, and be able to guarantee the ability to repay principal and interest on schedule. Good credit history, no bad credit history. Be able to provide legal and effective guarantees recognized by banks. Other conditions specified by the bank. 2. Things to note when purchasing a loan: When applying for a commercial loan, personal credit information is very important. If there are overdue records for three consecutive months and six months, basically no bank will lend to you. It should be noted that provident fund loans require continuous payment of provident funds for 12 months and are still being paid before applying for a loan. The time from application to loan for provident fund loans is longer than that for commercial loans, so you need to wait slowly. In addition, if you encounter any problems during the loan purchase process, you can seek help from a real estate consultant in time. Proof of income should cover twice the amount of liabilities in one's name. Bank flow is issued monthly according to specific bank requirements. Small businesses may need to provide a copy of their business license. Proof of real estate is not a requirement for a loan. If you are in business, you should provide business license, tax registration certificate, ID card, financial information, etc. You can apply to the bank for self-employment. If you are a working class person, you should provide proof of salary income, ID card, marriage certificate, salary flow, etc. You can apply for a personal consumption loan.

Of course, as an outsider, the bank will require you to provide a suitable guarantor, which is also a necessary condition.

4. Is it possible that someone can lend you money with just your ID number, mobile phone number and name?

Generally speaking, formal credit companies require you to hold limited documents before you can apply for a loan. Only irregular companies will grant loans in violation of regulations.