According to the relevant information inquired, no, according to the relevant laws and regulations of our country, minors are not qualified for loans, and loans need to have civil capacity, so borrowers must have independent and complete civil capacity.
Can parents get a loan with a minor ID card?
Can parents get a loan with a minor ID card?
According to China's laws and regulations, to apply for a loan, you must be at least 18 years old, and minors under 18 years old cannot borrow. General banks and formal financial institutions strictly implement this provision. The object of bank loans is a natural person with full civil capacity, so minor children can't make bank loans when buying a house. If the financial strength is not very strong, don't easily choose to lend money to underage children to buy a house, because in this case, parents and children will take underage children as buyers to bear joint and several repayment responsibilities.
Why does a father need a child's driver's license and diploma for a loan?
Parents do not need their children's ID cards to apply for bank loans.
Conditions for applying for bank loan business:
Natural person with age 18-65;
The actual age of the borrower and the loan application period should not exceed 70 years old;
Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;
Good credit information and no bad records;
Other conditions stipulated by the bank.
Materials to be prepared for the loan:
Identity cards of both husband and wife of the borrower;
The borrower's household registration book/foreigner needs temporary residence permit and household registration book;
Marriage certificate/divorce certificate or judgment/single certificate;
Proof of income;
Academic certificate;
Bank flowing water;
Other attributes;
Someone's workplace
Copy of business license (with official seal);
Large deposit certificates, etc. ;
If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements;
Other information required by the bank.
Data expansion
The process of handling bank loans:
The borrower applies for a loan;
Prepare loan related materials;
Account manager loan survey;
Bank approval;
Both parties sign a loan contract;
The execution of mortgage, pledge, unsecured contract or other guarantee contract;
Bank loans;
Post-loan management;
Repay the principal and interest when the loan is due.
Mom needs an ID card of a minor child for a loan.
No need. Loans don't need underage children, and children are useless in life. After all, they can't bear the legal responsibility and have no repayment.