The loan requires my second-generation ID card.

Conditions for applying for loan business:

1,18-a natural person aged 65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have the ability to stabilize employment, income and repay the loan principal and interest on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

Can I only apply for a loan with my ID card in Beijing?

Beijing is a city where many friends want to stop. With the continuous development of society, the consumption level in Beijing is getting higher and higher. In our life, we may need to go through the link of loan. Now the company is playing various slogans to attract the attention of borrowers, who are faced with various choices and don't know what to do. It is understood that some companies have played the slogan that only ID cards are needed for loans. Then, let's analyze it. Can I only use my ID card to get a loan in Beijing?

If you encounter financial problems in Beijing, you can apply for loans from banks or formal institutions. First of all, we should know that whether it is a bank or a formal company loan, the application approval of our borrowers is relatively strict. To a certain extent, it is necessary to control the emergence of non-performing loans and avoid affecting normal operations. As borrowers, banks or formal companies will consider our credit status, repayment ability and our existing liabilities as comprehensive factors when approving.

Next, what are the requirements for applying in Beijing?

(1) Proof of the borrower's identity, such as my ID card or household registration book;

(2) proof of residence;

(3) Have a stable job in Beijing and be able to provide detailed bank payroll;

(4) The borrower needs good credit and the ability to repay on time;

(5) Its own debt ratio is low.

Reminder: If you can't have a stable job in Beijing and can't provide a detailed bank salary statement, then the borrower needs to have a real estate mortgage in Beijing, and can provide a detailed bank loan statement for mortgage repayment or provide a real estate mortgage.

Finally, I want to say that it is necessary to apply for a loan ID card as a loan condition in Beijing, rather than simply applying for an ID card to successfully obtain a loan. When handling loans, if you meet a company that only needs an ID card to handle loan business, please be sure to be vigilant. These companies took a fancy to the borrower's urgent need for money and lured the borrower into the scam step by step. If you need to handle business, please remember to go to a bank or a regular company.

Can I only borrow money from the bank with my personal ID card?

If you only have a personal ID card, you can't get a loan from a bank. If you can, it must be a lie. The simplest requirement of a bank is to evaluate your personal credit and income stability, so you need to prepare materials before lending. Ask the corresponding bank for at least three consecutive months of cash or salary bills, and must have a personal account number and name, and the monthly income must be greater than 2000. Any bank credit card bill, telephone bill, cable TV fee, water, electricity and coal fee or payment invoice in the recent period (choose one from six). Labor contract or employment certificate within the validity period (choose one). The income certificate issued by the company must be stamped with the official seal or personnel seal. Valid ID card and household registration book, temporary residence permit is required for non-local accounts.

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 really get a loan with that ID card under the Beijing line?

You can really use that ID card to get a loan offline in Beijing. According to the inquiry, it is necessary to apply for a loan ID card as a loan condition in Beijing, and it is not easy to succeed in applying for a loan only with an ID card.

Beijing can use an ID card to get a loan.

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

Loan application conditions:

1, if you want to have a fixed income, it depends on the salary details;

2. At least 18-65 years old;

3 loans for business or car purchase, there must be a guarantor and mortgage;

4. Good credit information.

Loan application materials:

1. Lender ID card;

2. The credit information of the lender in the past six months, and the credit information is good;

3. The bank card under the lender's name has been flowing for nearly half a year without interruption;

4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);

5. Income certificate issued by the lender's work unit;

6. Social security, insurance policies and provident fund can also be loaned on a monthly basis.

If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.

So much for the introduction of ID card loans in Beijing.