There is no way to borrow money with other people's ID cards, and there is no way to borrow money only with ID cards. Even online, there is no way to borrow money. Borrowing platforms generally require real-name authentication of borrowers' bank cards and mobile phone numbers. These must be the same person, and some platforms can recognize faces. So in real life, you can't borrow money through someone else's ID card.

When handling loans, users need to submit other information besides their ID cards, such as bank accounts, which are not available. Moreover, the offline loan requires the borrower's signature, and there is no alternative. Therefore, in real life, don't think about using other people's ID cards to handle loans.

Users should consult the bank in advance when handling loans. At this time, they can know the loan requirements and loan interest rates, and then choose the most suitable bank for their loans. Generally, it takes a long time for banks to handle loans, and it takes about 1 month for most loans to be approved, but it only takes a short time to apply for loans online.

Before handling the loan, the borrower had better think about the repayment plan to prevent the later repayment from being delayed; If the loan cannot be repaid on time in the later period, the user can give up the loan or reduce the loan amount. After all, regular loans will affect users' credit information, and it will be more troublesome to go to the loan after the credit information becomes worse.

Can someone else get a loan if they take my ID card?

You can apply for a loan with someone else's ID card, but when applying for a loan with someone else's ID card, the owner of the ID card needs to know and confirm it at the scene. If the owner of the ID card doesn't know, taking someone else's ID card to apply for a loan will constitute a civil tort that infringes on the right to name. If the circumstances are serious, it constitutes a loan.

At present, according to Article 193 of the Criminal Law, if a bank or other financial institution issues a large amount of loans for the purpose of illegal possession, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.

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What if someone impersonates a loan?

First of all, I raised an objection to the bank that handled the loan and asked the bank to investigate the loan situation. If I didn't sign the contract and other related documents, I can apply for legal appraisal.

If the impostor's personal credit record is affected due to overdue reasons, the impostor can negotiate with the bank to clear the bad credit record. If the bank refuses to solve the problem, the impostor can complain to the local people, raise objections or appeal to the people.

In daily life, we must take good care of important personal certificates and documents, such as ID cards and credit cards. , and shall not provide important documents and copies to others at will.

Can I borrow money online with someone else's ID card?

Online loans can't use other people's ID cards. Online loans must be verified by mobile phone number, bank card and ID card. Even if users have someone else's ID card, they can only complete identity verification. In the process of verifying the bank card and mobile phone number, because there are no other banks and verification codes, if you can't pass the identity authentication directly, you can't apply for online loans. Unless the user obtains the mobile phone verification code, ID card and bank card, he can apply without face recognition.

Other holders of user ID cards are generally unable to apply for loans online. Applying for a loan online requires not only an ID card, but also a bank card and a mobile phone number reserved by the bank. Even some loans require face recognition. When the applicant's head photo is inconsistent with the ID card photo, the user cannot pass the examination. Therefore, the probability that a user's ID card is stolen to apply for online loans is relatively low.

Although the probability is low, low probability events may still occur. Please keep your ID card safe and don't give it to strangers. In addition, once the user receives the loan short message, please take the initiative to inquire about personal credit information or contact the lending institution, so as to inquire whether his identity information has been stolen and apply for a loan.

Can I borrow money with someone else's ID card?

Legal analysis: you can't take someone else's ID card to get a loan. Generally speaking, it is not allowed to use someone else's ID card to get a loan. The loan applicant needs to use his/her ID card, meet the loan application conditions such as the borrower's willingness and ability to repay, and have no major bad credit record before he/she can obtain a loan according to law. Although there is no offline verification for the new ID card loan, there is also online authentication. Such as flash loans. The loan applicant is required to bring a photo of his ID card, and the ID number is the only valid proof. If these cannot be met, it is impossible to complete the verification and obtain the loan amount.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Can I get a loan with someone else's ID card?

Know that you can get a loan.

You can get a loan by taking someone else's ID card, but the owner of the ID card needs to know and be present to confirm. Id card is very important. Don't lend money to others easily. On the one hand, you will become the debtor of the loan. On the other hand, if the loan is not repaid, your personal credit may be affected.

Fraudulent use of other people's ID cards requires legal channels.

Use someone else's ID card to get a loan, unless you get the other party's consent, and use your ID card to sign or press your fingerprint when applying for a loan. In fact, this can also be said to be asking others to help solve your own financial problems. Only in this way can it be legal. If someone else's ID card is used to make a loan through some illegal means, the ID card itself can bring a lawsuit against the lender, which is not good for the lender and the ID card itself. Please don't try!

Formal online loans, other people's ID cards can't be loaned.

Although online lending is not like offline verification of traditional banks, it is also online verification. I need my ID card to match the photo on it. If it doesn't match, I won't get the loan. Such as flash loans. It requires the loan applicant to take a photo with the ID card, and requires that the ID card number be unique and valid. If these cannot be met, it is impossible to complete the verification and obtain the loan amount. Therefore, it is not feasible to apply for online loans with someone else's ID card.

Non-standard online loans, other people's ID cards can be paid.

There are also some non-standard online loans, and the pre-lending procedures may be very simple, just requiring the lender to transmit identity information through the network. At this time, many people take the opportunity to borrow money with other people's ID cards when applying for online loans. In this case, the lending institution passed without strict application.