The ID number can be borrowed. There are many products on the online lending platform that can be loaned only by providing the personal ID number and mobile phone number.
However, the online loan market is mixed. Although some online loan products are simple to apply for, they may have a lot of interest, or they will be collected continuously when they are repaid. Handling them is not recommended. Before applying for online loans, it is best to check whether the platform has been approved by the CBRC and whether it has a financial license. If not, it is better not to borrow money from this online lending platform, and it will be better to apply for online lending with a licensed consumer finance platform.
This can also prevent you from accidentally meeting usurers and fraudsters, falling into loan scams and causing personal money losses. Of course, customers can also choose to apply for loans from banks or lending institutions.
If the customer really manages to apply for an online loan with only the ID number and mobile phone number, then before submitting the application, remember to check whether the information is accurate and confirm it before submitting it. The mobile phone number provided must also be a mobile phone number that has been used for a period of time and is my real name.
Can I get a loan with only one ID card?
You only need an ID card to get a loan. There are many small loan platforms in the loan market and the application threshold is low. Even if you provide your ID number or mobile phone number, you can make a payment directly without review. Of course, many of these small loans have not been approved by the CBRC, do not hold financial licenses, and are not very authentic, so customers are not advised to apply.
However, customers should take good care of their identity information to prevent it from being leaked and stolen by others, and then use it to borrow money on the above-mentioned small loan platform, which will bring adverse effects to themselves.
At the same time, customers are also advised to choose genuine lending institutions/platforms with financial licenses approved by CBRC. Although the ID card alone may not be able to borrow money, many of them do not need to provide a lot of information, and some can borrow money by providing ID cards and bank cards. However, there is generally an audit link. Only when the customer's credit status is evaluated will the next payment be made. Therefore, customers must pay attention to maintaining good personal credit.
Can I get a loan with my ID number?
You can't borrow money if you have an ID number. When a customer submits a loan application, the lending institution will also pay attention to the following aspects of the customer:
1. Can I complete the real-name authentication?
When applying for a loan, not only do customers need to upload their ID cards, but the platform will also authenticate their real names and require customers to complete face recognition. This is mainly to determine whether the loan customer is himself, which is also the compliance requirement of the regulatory authorities. It is impossible to apply for a loan only by providing the ID number.
2. How is the credit report?
In addition to examining the personal identity information of customers, lending institutions will also look at the credit information of customers. Whether the customer's credit information is good or not is the basis of using credit products. If there are stains on the credit report, the loan application will also fail.
3. The age symbol does not meet the requirements
When applying for a loan, the customer needs to be over 18 years old. According to the regulations, minors are not allowed to apply for credit products, and lending institutions will not lend illegally. There may be some differences in the requirements of different lending institutions for the age of customers, and customers need to follow the notice of lending institutions.
4. Have full capacity for civil conduct.
Customers can't make themselves unable to bear the debt relationship because of physical or other reasons, otherwise they will be directly rejected when applying for a loan.
5. Income is stable and unstable
For lending institutions, they naturally hope that customers can repay their loans according to the agreement and earn loan interest income, so they will pay more attention to customers' income. For example, some lending institutions will require customers' income to be more than twice the monthly payment.
If customers don't have a steady flow of punching cards, they can communicate with lending institutions in advance to see if they can use other flow or tax certificates instead.
6. Is the debt ratio high?
If the customer has other outstanding foreign debts when applying for a loan, resulting in a high debt ratio, then the lending institution will be worried about the customer's future repayment, and will be even more worried when making the next payment.
In order to ensure the smooth payment of loans, customers can still settle these loans in advance before applying for loans to reduce their debt ratio.
7. Can provide proof of residence in the local area.
Some lending institutions do not support off-site loans, and customers may need to provide local residence certificates when applying for loans.
8, need to provide complete information
When applying for a loan, customers need to prepare credit reports, income streams, income certificates and other materials required by lending institutions, and customers need to prepare them on time so as not to affect their application for a loan.
9. Have a reasonable credit demand.
When applying for a loan, the lending institution may require the customer to fill in the corresponding loan purpose. Customers need to have reasonable credit demand, and can't use loans to manage money or buy a house, otherwise the loan application will be directly rejected by the lending institution.
10. A valid bank card is required.
The bank card provided when applying for a loan needs to be the same as that of the identity document owner. If the bank card provided by the customer has problems, the loan will also fail.
Can I get a loan only with my ID number?
We have all heard that you can get a loan with your ID card. Then, if you don't have your ID card or lose it, can you use your ID number to get a loan?
Anyone with a little common sense on this issue should know that only the ID number and no ID card can't be loaned. The main thing is that anyone can report their ID number, but it is not necessarily your own. If that's the case, isn't it possible to get a loan no matter who reports his ID number? Therefore, only the ID number and no ID card can't be used for loans.
The ID number is only a proof of personal identity, and it is impossible to judge the borrower's repayment ability. In order to control risks, it is impossible for lending institutions to lend only by ID number. The risk in this situation is too great. Without guarantee, lending institutions would not be so stupid.
In daily life, if you can't submit your ID card for some reason, you can apply for a loan in temporary id card. Don't borrow your personal ID card at will to avoid unnecessary troubles in the future.
However, the situation of personal lending is quite special, and the lending relationship between individuals is also personal lending. In this case, as long as both borrowers and borrowers negotiate, loans can be issued. I suggest that you don't pay any fees, management fees and other fees before lending money. It's a scam to pay in advance like this.
So, what are the scams that can be loaned only by ID cards?
1. Never borrow a bank card.
Don't give your bank card to others without authorization, and you can't easily tell anyone your password. At present, many bank cards are still magnetic stripe cards, so the cost of copying such a card is very low for criminals, and the success rate of copying can reach 100%.
2. The simpler the process or the simpler the scam.
Both banks and formal lending institutions have strict procedures and bidding requirements for loans. If the loan company you meet only needs to provide your ID number to apply, you should be careful. The procedure is so simple, it is definitely not a regular company, and nine times out of ten you will meet a liar.
3. 100% remittance fee is fake.
Borrowing money from a regular borrowing company requires a considerable fee, but you don't need to pay all the fees. Liar companies need borrowers to pay 100% of the borrowing costs. Or charge a very high fee in advance and promise to handle a large loan. Because you need to pay attention to such borrowing companies, don't send money to such "borrowing institutions".
4. Be careful about the brand name of the company.
Many friends are easily confused by some achievements, and they think the company is very powerful when they see some scary company names. What is generally called a credit group or a lending institution? On the contrary, the credit is relatively low. In order to prevent yourself from being cheated, you can go to the local industrial and commercial department to verify whether the company is formal or not, or you can go to the relevant departments to check and verify.