You can't. Now, the country is tightening its currency and has stopped lending to individuals. Unless it involves farmers buying seeds in early spring.

Second, I want to use my ID card to get a loan. I heard that all three people's ID cards will do! It seems to be a credit union loan! Is there such a loan?

It is better to go to the rural credit cooperative where your account is located.

1, you find a credit union, tell them your household registration address, ask them where you should get a loan, and they will tell you;

You write a loan application, and one agrees to mortgage it to the credit staff of the credit cooperative;

3. After they agree to give you a loan, you take your property and land to the appraisal company for appraisal;

4. Take identification materials and ID cards to the credit cooperatives to sign loan contracts, and some clubs require spouses to sign and agree;

5. Go through the mortgage transfer formalities with the loan contract, appraisal data and ID card at the Land Administration Bureau;

6. Give the certificate of ownership given by the Land Bureau to the credit union for safekeeping, and take away the mortgage list and loan.

7. The loan amount is not large, so it is not recommended to use mortgage loans. The procedure is very troublesome and the cost is very high. Both evaluation and distribution need to be paid.

If you need a house or land mortgage, you can own it yourself or someone else (provided that others are willing). You also need an identity card and a household registration book, and you can borrow money through a credit cooperative. You also need to go through the transfer procedures of other house warrants. Please consult the loan officer of the credit union first for specific operation.

There's another one:

First, rural credit cooperatives refer to loans for farmers with rural household registration to use sales expenses such as seeds and breeding. Of course, buying a house is also acceptable.

Two, there are farmers' economic files in the local credit cooperatives. The so-called farmers' economic file is to establish a basic situation of economy, family and income for local farmers. After credit evaluation, credit loans are issued on the basis of credit, and no mortgage is required.

Thirdly, if a guarantor is required in the loans issued, it is because the loan officers of rural credit cooperatives want to better prevent and control risks, understand customers and collect loans more conveniently. If the guarantor is out of town or out of town, it can't be done. Of course, it does not meet the conditions of guarantee. Just find someone to guarantee it.

Four. There are many conditions for granting loans. You'd better ask the local credit cooperatives, such as the borrower needs an ID card and a marriage certificate (unmarried certificate, etc.). ) to prove marital status. Other information required by the lender from the payer. The loan interest rate of credit cooperatives is generally higher than that of commercial banks, which is also allowed by the state, but the mortgage interest rate of some provincial and municipal credit cooperatives is the same as that of commercial banks, and it is necessary to negotiate with local credit cooperatives.

Interest is paid monthly and quarterly, that is, the principal and interest are paid in one lump sum when due. This is what you chose in the loan contract. Mortgage loans generally pay interest monthly and quarterly, and the amount paid is actually the same, depending on your personal repayment habits. Once signed, it must be repaid on time. If it is overdue, it may produce bad records in the personal credit information system of the People's Bank of China, which will have adverse effects on all aspects of the individual in the future.

3. I heard from my friend that you can borrow some money from the credit union now with your ID card. Is that so?

Rural credit cooperatives have this kind of business without mortgage. Their loan targets are farmers. Farmers with rural hukou.

I want to get a loan with my ID card. I heard that all three people's ID cards will do! It seems to be a credit union loan! Is there such a loan?

You can't.

Now, the country is tightening its currency and has stopped lending to individuals. Unless it involves farmers buying seeds in early spring.