Id card loan
It is understood that loans can be made with ID numbers, and the platforms that can use ID cards for loans include Hare Wallet, Emergency Money ATM, Magic Wallet and so on. These are all good loan platforms. Let's take a look at the specific situation.
Can I get a loan with my ID number?
1, rabbit wallet: rabbit wallet can only be paid if the borrower fills in the personal ID number. Loans of 1000 to 5,000 yuan can be provided. However, there will be a manual return call on this platform, and everyone should keep the phone open;
2. Emergency ATM: There are no special requirements for emergency ATM borrowers. As long as you fill in the ID number and real-name authentication, you can usually borrow money. Self-employed people and people without fixed jobs can also apply. 1000 yuan, the 500-day interest rate is 0.06%;
3, magic wallet: magic wallet to fill in the personal ID number, face recognition can borrow money. Its loan amount is between 500-2000 yuan.
What are the conditions for an ID card loan?
1, provide a valid personal identity document (second-generation ID card);
2. The personal age is preferably 18 years old and has full capacity for civil conduct;
3. Personal credit information is good and there is no bad credit record;
4. Have a stable and legal source of income and have the corresponding repayment ability.
What are the consequences of online lending?
1. High penalty interest and liquidated damages: High penalty interest means that the lender fails to repay the loan with the specified amount within the specified period, so as to calculate the related high overdue penalty interest. The longer the debtor extends the overdue period, the higher the agreed interest, but no matter how high it is, it cannot exceed the legal scope stipulated by our laws;
If the loan is not repaid, the lender will be required to pay the corresponding liquidated damages. Therefore, it is best to develop good repayment habits to avoid more problems in the later period;
2. Credit damage: if the loan is not repaid, it will also affect its credit. Now many banks and online lending companies have adopted the * * * enjoyment system. If you don't repay in the bank or online loan company. Then, other online lending companies or banks may know whether you owe a loan. If you want to apply for a loan later, it is difficult or even impossible to get a loan. Because your credit information is damaged;
3. Harassment by various means: If the loan is not repaid, it may be harassed by the online loan company. Sending text messages 24 hours a day and calling relatives of borrowers or lenders for collection are all minor acts. Some online loan companies will outsource the collection to professional companies that specialize in collecting accounts. These professional accountants have various collection methods, and sometimes even a family is fragmented because of the violent collection of the collection company;
4. If the circumstances are serious, it will lead to imprisonment: if the debtor resolutely fails to fulfill his repayment obligations and becomes a deadbeat, the court will investigate the criminal responsibility of the debtor. Article 108 of the General Principles of Civil Law of People's Republic of China (PRC): The debt shall be paid off. If it is temporarily unable to repay, the debtor may repay it by installments with the consent of the creditor or the ruling of the people's court. Those who have the ability to repay and refuse to repay shall be forced to repay by the people's court.
Warm reminder: online lending must be cautious, never fall into the trap of usury or conventional loans, find mistakes in time, stop lending immediately, and call the police when necessary.