If it is a loan from China Merchants Bank, you can't apply with your ID card. Information usually needed to apply for a loan:

Identity information: ID card, military officer's card, etc.

Marriage certification materials: marriage certificate, divorce certificate, unmarried statement, etc. ;

Proof of use: the first floor is the purchase contract, down payment invoice, etc. ; Second-hand building refers to the original house ownership certificate, house purchase contract and down payment receipt confirmed by the seller; Decoration loan is a renovation contract or agreement signed with the decoration company;

Proof of repayment ability.

Other materials need to be submitted for the specific loan application, and the loan handling bank needs to be contacted for detailed confirmation when applying for the loan.

2. Can I get a loan with my ID number?

Generally, 1 ID number is not available for loan. 1. Identity certificate, for a regular bank, it is impossible to inquire about the actual relevant information of the borrower, especially the borrower's assets, credit information and income; 2. For the official bank of 1, it is difficult to give you a loan only by providing the identity document of 1. You can't just borrow money with your ID card, you must also check the credit report under your ID card. Only those whose credit reports are not overdue can apply for loans. Moreover, when applying for a loan, in addition to identity documents, face authentication must also be carried out. Only when you have determined your identity can you apply for a loan, conduct an audit and lend money. Therefore, only the ID card cannot be used for loans. Now many loans are based on credit information, that is, credit loans. As long as the credit report in the borrower's name is not overdue and there is no default, you can apply for a loan. When applying for a loan, identity verification is generally carried out. Authentication is facial recognition. The value of facial recognition lies in ensuring that the loan is handled by the person in the name of the identity document and will not be impersonated.

3. Can I get a loan only with my ID number?

To apply for a loan through China Merchants Bank, you can't just apply for a loan with your ID card. The conditions are different. First of all, look at the purpose of your loan. Our loans are for specific loan purposes, study abroad, etc. ), and when applying for a loan, you must provide relevant supporting materials according to the "loan purpose" (Note: our loan has no cash, so it is generally recommended to log on to the home page of China Merchants Bank and click "Online Customer Service" in the upper right corner to provide the card opening city.

4. Does the bank loan need the original ID card, only the number and name?

You need the original ID card, just the number and name, not the home address. First, the borrower applies for a loan and provides loan credit. If the borrower needs a bank loan, he should directly submit a written application to the bank or its handling institution and fill in the loan application form. The contents of the application shall include the loan amount, loan purpose, repayment ability and repayment method, and the following materials shall be submitted to the bank: 1, basic information of the borrower and guarantor; 2. The financial report of the previous year approved by the financial department or accounting firm, and the financial report of the previous period before applying for the loan; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the Bank; 7. The application for fixed capital loan shall be accompanied by a feasibility study report, a technical transformation plan or an approved scheme, a preliminary design and a general budget estimate. Two. Approved bank 1. The main work at this stage of project establishment is to confirm the evaluation purpose, select the main inspection items, and formulate and start implementing the evaluation plan. 2. The borrower's credit rating is evaluated according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, and can also be carried out by an evaluation agency recognized by relevant departments. 3. The feasibility analysis stage includes finding problems, exploring the causes, and determining the nature of the problems and possible impact procedures. Among them, the analysis of the financial situation of enterprises is the most important, because it is the basis for banks to master and judge the repayment ability of enterprises. 4. Comprehensive judgment The examiner verifies the materials provided by the investigators, judges the current situation, medium-term profit and loss and long-term development of the enterprise, retests the risk of the loan, puts forward opinions, and conducts examination and approval according to the prescribed authority. 5. There are many ways to conduct pre-loan review to determine whether the bank can lend, mainly including A- acceptance survey and profile survey. After the pre-loan review, the bank manager will write a loan review report for approval, and make it clear whether the loan can be released. Three. The bank that signed the loan contract will review the loan shenqing, and if it considers that all items are in compliance with the provisions and agrees to the loan, it will sign a loan contract with the borrower. In the loan contract, the loan type, loan purpose, loan amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liability for breach of contract, handling and other matters that both parties think need to be agreed. The loan contract shall take effect from the date of signing. Four. After the loan is issued, a loan contract is signed, and both parties can verify the loan according to the contract. The borrower can go through the withdrawal procedures according to the loan contract and make one or more withdrawals according to the contract plan. When withdrawing money, the borrower should fill in the withdrawal voucher uniformly formulated by the bank, and then go through the withdrawal formalities at the bank. Bank loan interest is calculated from the date of withdrawal. After obtaining the loan, the borrower must strictly abide by the loan contract and use the loan according to the purpose and method agreed in the contract. V. Post-loan inspection of banks refers to the supervision and follow-up investigation of the loan withdrawal and related production, operation and financial activities after the borrower withdraws the loan. Intransitive verbs the recovery of loans and the extension of loans. When the loan expires, the borrower shall repay the loan principal and interest in full and on time as agreed in the loan contract. 1. The bank issues a notice of repayment of principal and interest to the borrower before the short-term loan expires 1 week and before the medium-and long-term loan expires 1 month. 2. The borrower shall prepare funds in time. When the loan expires, the borrower will generally take the initiative to issue a settlement voucher and hand it over to the bank for repayment. 3. If the borrower fails to take the initiative to repay the loan when it expires, the bank can take the initiative to deduct the loan principal and interest from the borrower's deposit account. If the borrower fails to repay the loan on schedule due to objective reasons, he should go to the bank in shenqing several days in advance to handle the extension, fill in the extension amount and date, and submit it to the bank for review.