cannot

"Generally, you can't get a loan with your ID card. The materials needed for loans generally include loan application forms; The applicant's identity certificate and household registration book; Proof of the applicant's marital status; Its credit report and bank flow; Personal financial status certificate and other materials. "

Can I get a loan only with my ID card?

; ? An ID card is a necessary condition for a loan.

First of all, it is wrong to understand ID card loans as only ID cards can be used for loans, and ID cards are only necessary materials for loans. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that you only need ID card loans. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. The most important thing is to provide proof of income and prove that you are suitable for credit loans.

You can't borrow money just by your ID card.

At present, there is no loan product obtained only through ID card loan. No matter what kind of loan product it is, besides the ID card, at least another supporting document is needed.

For example, we know pro-small loans, magic cash loans and so on. This kind of ID card loan products not only provide ID cards, but also need to provide materials such as bank cards or work information. In the process of loan, ID card is only an essential thing.

In other words, if you can only provide your ID card, but can't provide other relevant supporting information, then you can't get a loan.

Can I get a loan only with my ID card?

There are two conditions for borrowing money with an ID card: \x0d\ 1. Prove one's identity with an ID card; \x0d\2。 Others guarantee themselves. After meeting the above two conditions, you can apply for a loan directly with your ID card. \x0d\ The steps to apply for a loan with an ID card are as follows: \x0d\ 1. Fill in the personal information and family contact information of the applicant and guarantor; \x0d\2。 Submit a copy of my ID card and work certificate, as well as the guarantor's work certificate; \x0d\3。 Bank audit; \x0d\4。 Sign the loan agreement after approval; \x0d\5。 After completing the above steps, the loan can be released. Finally, the borrower should not forget to repay. \ x0d \ x0d \ Because personal ID card loans are much easier than other loans, many friends want to get funds in this way.

Can I get a loan just by my ID card? Be careful not to fall into the scam!

In recent years, unsecured loan companies and microfinance companies have sprung up like mushrooms after rain, and various advertisements are all over the streets. In particular, people who are in urgent need of money will apply for small loans, but it is precisely in this way that some scammers will take advantage of it and use means to create a small loan scam.

Especially in this era when everything is convenient and fast, borrowing money with ID card is a very popular way. Because everyone has an ID card, if you only have an ID card, you can get a loan, which means there is no threshold for a loan, and you can get a loan even if you don't have a job.

But are all these ways true?

I learned that it is true that you only need to use your ID card to get a loan.

At present, there are similar loopholes in the market, but there are many situations. Borrowers must keep their eyes open and choose reliable channels to lend before lending.

1, black households and white households can make a payment.

For some private lending products with extremely low thresholds, you can use your ID card to make loans. After all, the popularity is not high. Only by lowering the threshold can we attract more borrowers and charge interest.

The characteristic of this kind of loan is that anyone who has been overdue and has not done any loan business can apply for a loan, because the loan can be provided as long as the user needs it without checking the credit information, but the amount is relatively low and the interest is high. Most of them are small loans of 1000 yuan.

2. Informal microfinance

There are some channels in the market that claim that you can get a loan with your ID card. You can get a loan for anything without a house, a car or a job.

But as far as I know, many users have fallen into the "pit" because when applying for this kind of loan, the system will prompt that they have passed the examination and are waiting for the loan, and then there is no news. The money hasn't arrived for ten and a half months, which makes the borrowers waiting for it very worried. They are worried that they will suddenly get a loan here after applying for other loans, and they are afraid that it will be quite laborious to wait for a long time and draw water with a sieve.

There is another situation, that is, after borrowing money, it has been repaid on schedule, but the system prompts that it is still in arrears. Many borrowers are worried that their personal credit will be affected, and they don't know whether the repayment is successful.

There is something fishy behind the ID card loan.

Many private lending institutions will take advantage of the borrower's eagerness to use money and use the characteristics of low threshold, secondary payment and high quota of ID card loans to attract consumers. All users who submitted loan applications were rejected, and almost no one got the loan. They usually have several purposes:

Get ID information: Because you need to fill in your ID number, name and work situation when applying for a loan, some even ask you to upload a scanned copy and take a photo of your ID card. There are great hidden dangers when such information is transmitted to informal institutions.

Cheating fees: regular loans will not require fees before the next payment, not to mention ID card loans are credit loans and do not need any fees at all.

I have listed the following common centralized loan routines here. Be sure to keep your eyes open and don't fall into the pit.

0 1

interest-free loan

Deception index: ★★★★★

As the saying goes, greedy and cheap, big losses, zero down payment? Zero interest is great. Seize this opportunity, but don't know that you have fallen into the trap of others, hiding the high service fee and management fee interest to implement the scam. Originally, you only applied for a small loan, but the total interest rate was insanely high.

Interest-free loans are policy loans, which are government support projects for laid-off workers, veterans, college students or rural laborers in cities. If you obviously don't belong to these groups, the other party still promises to provide you with an interest-free loan, which is the trick of the liar 100%.

02

ID card only microfinance

Deception index: ★★★★★

Credit loan is indeed the lowest loan threshold, and the borrower needs to provide proof materials related to work income, and the credit record is good before it can be processed.

Imagine that anyone who promises a loan without any mortgage is nothing more than a liar except the folk usury.

03

Pre-charge

Deception index: ★★★★★☆.

Let the borrower pay the deposit, handling fee and other expenses before issuing the loan! Or let you get a bank card and deposit some money in it!

Remind you again and again! These are definitely the actions of liars! Formal loan companies will not charge any fees before issuing loans.

04

Borrow, small loans forced to open

Deception index: ★★★★★★★

Lending treasure and micro-loan are both active invitation systems, and there is no application window. There have been many so-called help you forcibly open Alipay and micro-loans, which are not credible.

05

Loan teaching

Deception index: ★★★★★☆.

With the increase of loan platforms, some scammers are also full of tricks, and there are even loans to teach such things. You know, no matter how to teach, the credit is not good, and the loan can't come down!

In addition to the above-mentioned common loan scams, scammers will also use hidden loans, bank connections, low interest rates and other scams to trick borrowers into falling into the trap. Especially friends whose credit is tainted and in urgent need of money, don't rush to the hospital, beware of loan fraud.

How to prevent it?

0 1, on the regular platform

The best way to prevent fraud is to go to the regular platform. The name of a formal loan company generally consists of "region+name+'small loan'+company nature". Only those who have been audited by the Provincial Finance Office can legally use the words "small loans".

02, in the enterprise information online query its qualifications.

You can go to the enterprise information network to check whether the company is registered for the record. The business license of a regular small loan company must have the words "small loan", only the loan does not exist!

03, don't just click on the link.

You can't just click on the link of online microfinance, because the fraud caused by clicking unfamiliar links is estimated to be familiar to everyone. Even if you meet a link from someone you know, you'd better check it by phone before you click.

04, put an end to all kinds of unfair trading behavior.

For example, some small loan companies will clearly tell you that the loan is to help the underground money house xq.

In this case, don't go to your head and say yes, that's going to jail!

What if I get a loan for no reason?

In addition to many pitfalls in borrowing money with your ID card, it is also common for others to borrow money with your ID card. For example, these news: with your ID card information, you can get a loan without giving 200 yuan? The woman picked up a "look" ID card, posing as a loan to buy a mobile phone and overdrawn it! ID card loans overdue has been blacklisted for 50 times, making it difficult for women to buy a house. ......

Although it is convenient to borrow money with an ID card, the disputes arising from it are also one after another. Everyone has an ID card, which means that everyone's information is at risk of being fraudulently used. How to prevent this trap?

0 1, on the one hand, protect personal privacy information.

Identity cards, passports, etc. It is not advisable to lend it out, and the ID number should not be easily disclosed to others. When using a copy of your ID card, please indicate the words "This copy is for our business only" and sign your name and date.

02. Check the credit report regularly.

Individuals can check online for free, and those who have objections will be reported to the relevant banks in time and revised in time.

I need to say something to you.

To sum up, there is still a platform for lending with ID cards. The most important thing is to do more homework and study, and we must choose a formal platform.