Current location - Loan Platform Complete Network - Bank loan - Can I apply for a small loan with a temporary ID card?
Can I apply for a small loan with a temporary ID card?

Can I apply for a loan with a temporary ID card?

You can apply for a loan with a temporary ID card, because the temporary ID card is also a valid document that can prove the identity of the borrower and is protected by national law. Yes, so the borrower can use the temporary ID card to handle loan business.

However, it should be noted that although in principle, the temporary ID card has the same validity as the official ID card within the validity period, there are still some lending institutions that do not allow the use of temporary ID cards. loan.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Repayment method:

Equal principal and interest repayment: that is, the sum of the loan principal and interest is repaid in equal monthly installments. Housing provident fund loans and commercial personal housing loans from most banks adopt this approach. In this way, the monthly repayment amount is the same;

Equal principal repayment: that is, the borrower will evenly distribute the loan amount to repay each period (month) during the entire repayment period, and at the same time pay off the previous period. A repayment method for loan interest from the transaction date to the current repayment date. In this way, the monthly repayment amount decreases month by month;

Monthly payment of interest and principal repayment on maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date [with a period of less than one year (inclusive) One year) loan is applicable], the loan accrues interest on a daily basis, and the interest is returned monthly;

Repay part of the loan in advance: that is, the borrower can apply to the bank to repay part of the loan amount in advance, the general amount is 10,000 Or an integral multiple of 10,000. After repayment, the loan bank will issue a new repayment plan, in which the repayment amount and repayment period have changed, but the repayment method remains unchanged, and the new repayment period The entire loan period must not exceed the original loan period

Repay the entire loan in advance: that is, the borrower applies to the bank to repay the entire loan amount in advance. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation. formalities.

Borrow and repay at any time: Interest is calculated on a daily basis after borrowing, and one day is used to calculate the interest. You can settle the payment in one lump sum at any time without penalty.

Bank loan interest rates are calculated by computer based on personal credit, income, work and other information. When other circumstances cannot be changed, we can only maintain a good credit and try our best to Pay off your credit cards on time to avoid overdue payments. Can I get a loan with a temporary ID card? As long as it is valid within the validity period

;? Everyone knows that an ID card is required for a loan, but for some friends who have lost their ID cards, they can only provide temporary ID cards. So can I get a loan with a temporary ID card? Let me analyze it for you.

1. Temporary ID cards can apply for loans. It is understood that under normal circumstances, the validity of temporary ID cards is the same as that of ID cards. Therefore, when your ID card is lost, you only need to apply for a temporary ID card to apply for a loan. The temporary ID card is valid for 3 months. If it is still valid, your loan application will not be affected. Some people also pointed out that the review of identity proof materials for housing mortgage loans is very strict. If the personal information on the marriage certificate, household register, and ID card are inconsistent, it will not pass the review, so users must be careful to prepare various materials and certificates.

2. Temporary ID card loans may be rejected. Temporary ID cards and ID cards are different in the eyes of some lending institutions. Since the temporary ID card is simple and complicated to make and the procedures are simple, the cost is The possibility is high, and in order to avoid risks, many lending institutions refuse loans to customers who can only provide temporary ID cards. Therefore, regarding the question of whether temporary ID cards can be used for loans, each lending institution has its own way of handling it. Everyone must understand it carefully before taking out a loan to avoid being unable to get a loan because of the ID card.

Generally speaking, temporary ID cards can be successfully used by most lending institutions, but there are also a few lending institutions that have doubts about the validity of temporary ID cards. Can a temporary ID card be borrowed?

; Temporary ID cards can be borrowed within the validity period. Legally, the validity of the temporary ID card is the same as the ID card. Generally, when we are unable to provide the ID card, we will Temporary identification is required. It is generally valid for 3 months from the first day of receipt. During this period, as long as the borrower meets the application conditions of the lending institution, the temporary ID card can be used for loans.

A few banks support temporary ID cards to apply for loans. Temporary ID cards can apply for loans, but they must be within the validity period of the temporary ID card. Once the validity period has passed, it will not work. Although in theory a temporary ID card can be used to apply for a loan, most banks still cannot use a temporary ID card to apply for a loan. The main reason is that the temporary ID card does not have a magnetic strip, and the personal information on the temporary ID card cannot be read. Therefore, many banks cannot apply for loans with temporary ID cards.

You cannot obtain a loan with a temporary ID card under the following circumstances: 1. According to relevant regulations, those who are over 16 years old should also apply for a resident ID card in accordance with the regulations. However, general lending institutions require borrowers to be over 18 years old. In this case, you cannot get a loan even if you have a temporary ID card. 2. Most banks do not support temporary ID loans. The main reason is that the temporary ID card does not have a magnetic strip, and the personal information on the temporary ID card cannot be read. Therefore, many banks cannot apply for loans with temporary ID cards. 3. The cost of forging temporary ID cards is low, but the review is difficult. Some lending institutions and examiners may refuse the business because they are afraid of trouble. It is recommended that users consult professionals from local formal institutions in detail. Can I get a small loan with a temporary ID card?

Can I get a loan with a temporary ID card? The temporary resident ID card has the legal effect of proving citizenship. \x0d\\x0d\The specific procedures for citizens to apply for a temporary resident identity card are:\x0d\\x0d\① Go through the application procedures at the public security police station where your permanent residence is located, and submit your household registration book and a recent one-inch bareheaded black and white photo (photo The size standard is the same as the resident ID card), and the certificate production fee is RMB 10. Citizens under the age of 16 must apply for it on their behalf by their guardian. \x0d\\x0d\② After the public security police station has approved the citizen’s personal information, it will be submitted to the county (city) public security bureau or districted public security branch for review and issuance, and is responsible for producing certificates. \x0d\\x0d\③ The public security organ will issue the certificate to the applicant within 3 days after receiving the application. \x0d\\x0d\④ Citizens who have received a temporary resident identity card should return the temporary resident identity card when receiving the resident identity card.