1. The loan is not controversial.
Usually, without the knowledge of the owner of the ID card, others borrow money with their ID cards. After the loan expires, the bank will come to the door and ask the parties to repay the loan amount.
2. Debt disputes and litigation.
If the ID card owner finds out that he is a "loan" rather than a "loan", there will be a debt dispute. Once the bank sues, it will take the ID card holder as the defendant. Therefore, if you find that an individual is "loaned", you should choose to call the police at the first time;
3. Take the repayment obligation and then recover.
If the repayment is not made in time, the bank will directly sue the ID card owner. Usually, due to the lack of strong evidence, the identity card owner often loses the case. After losing the case, the ID card owner must first assume the obligation to pay off the debt. If it is not returned in time, the bank will recover the debt.
4. There will be a credit stain.
If the actual borrower fails to repay the loan on time, the credit stain will be recorded in the name of the ID card holder.
Legal basis: People's Republic of China (PRC) Identity Card Law.
Seventeenth one of the following acts, by the public security organs fined two hundred yuan to one thousand yuan, or detained for ten days, illegal income, confiscate the illegal income:
(a) using another person's identity card or using a forged identity card;
(2) buying, selling or using forged or altered identity cards.
Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs.
Article 18 Whoever forges or alters a resident identity card shall be investigated for criminal responsibility according to law.