Now it is determined according to the loan amount of each place, and the loan amount varies from place to place. Generally, an acre of land loan 1000 yuan is used as collateral.
Second, lending money to others with your ID card has some consequences.
Use! In fact, it is equal to your own loan. If you get a loan and you don't pay it back, the lender will pay you back, so it's still very troublesome for you to go to court.
Three, the parties will lend their bank cards and identity cards to others to borrow money, what responsibility should bear?
The ID card is the legal identification of every citizen. It is a legal contract for others to borrow money from the bank with your ID card. The parties to the contract are "you" and the bank. According to the relativity principle of the contract, the bank only regards you as the repayment person. Therefore, it is recommended not to lend your ID card to others for fear of getting into a lawsuit and damaging your own interests. If someone steals your ID card, you should call the police in time. Usually, after the ID card is used as a loan by others, the consequences that individuals need to bear are:
1, the loan did not appear. 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. In debt and litigation, if the ID card owner finds that he is not being loaned, but being "loaned", there will be debt, and once the bank finds out, it will take the ID card holder as the defendant, so if the individual is found to be "loaned", it should choose to call the police at the first time;
3. Take the repayment obligation and then recover the loan. If the repayment is not made in time, the bank will go directly to the owner. Usually, due to the lack of strong evidence, the owner of the ID card 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.
Fourth, use your ID card to lend money to others at your own risk.
The consequences of using an ID card to lend money to others are as follows: 1, bad credit record; 2, need to bear the corresponding legal responsibility; 3. The longest retention time of personal bad credit records is five years. Once the identity card is lost or stolen, it should be reissued in time. According to the relevant regulations, in this case, it is not necessary to bear the responsibility of fraudulent use, and the card-using department needs to bear the responsibility of audit; Because the identity card was used as a credit card by criminals after it was lost, the bank suffered property losses, which was beyond the control of the parties. Although the parties have the obligation to keep the identity documents, the bank should have fulfilled the obligation of examination when handling loans for individuals, including whether the identity cards are used by themselves and the authenticity of the identity cards. If the identity card is stolen by others, the bank successfully handles the loan, and the bank fails to fulfill its review obligation, the bank shall bear the main responsibility for the consequences. According to Article 17 of the Law of the People's Republic of China on Resident Identity Cards, anyone who commits one of the following acts shall be fined between 200 yuan and 1,000 yuan by the public security organ, or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated: (1) fraudulently using other people's identity cards or using fraudulent identity cards; (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 19. If the staff of state organs or financial, telecommunications, transportation, education, medical and other units disclose the personal information of citizens recorded in resident ID cards obtained in the course of performing their duties or providing services, which constitutes a crime, criminal responsibility shall be investigated according to law; If the case does not constitute a crime, it shall be detained by the public security organ from 10 to 15 and fined 5000 yuan. If there are illegal gains, the illegal gains shall be confiscated. If a unit commits the acts mentioned in the preceding paragraph, which constitutes a crime, it shall be investigated for criminal responsibility according to law; If it does not constitute a crime, the public security organ shall detain the directly responsible person in charge and other directly responsible personnel for more than 10 and less than 15, and impose a fine of more than100000 yuan and less than 500000 yuan. If there is illegal income, the illegal place shall be confiscated. Whoever commits the acts mentioned in the preceding two paragraphs and causes damage to others shall bear civil liability according to law. Article 175- 1 of the Criminal Law of People's Republic of China (PRC) obtains loans, bill acceptance, letters of credit, letters of guarantee, etc. Whoever obtains funds from banks or other financial institutions by deception, thus causing heavy losses to banks or other financial institutions, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined; Whoever causes particularly heavy losses to banks or other financial institutions or has other particularly serious circumstances shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined. If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.