One-card loan is a micro-credit service platform under the small alliance.

1. Service concept: 1. Credit card loans are based on the guiding principle of "small amount and dispersion" and the business philosophy of "popularization and poverty alleviation", and adhere to microfinance and microfinance. Because the amount is very small, the risk is greatly dispersed. Combined with the strict credit audit mode of the platform, the probability of bad debts is greatly reduced.

Second, the value point of view:

1. major: high-quality talent team, scientific management mode, strict risk control system and rich industry experience.

2. Efficient: Provide fast and efficient online micro-financing services.

3.*** Win-win: investors, platforms, users and employees grow together and win-win in many ways.

Third, the brand concept:

1. Integrity: Integrity is the foundation and an important pillar to promote the development of the platform.

2. Focus: Do your job wholeheartedly and be professional.

3. Service: There is no best, only better. Internationalization of service standards.

4. Ingenuity: elaborate, strive for perfection, and pursue a more perfect service level.

How to use ID card for loan?

The ID card is a document that every citizen of China needs. Anyone can use it to prove that he is a legal citizen. However, according to national regulations, only teenagers who have reached the age of 18 can apply for identity cards. In daily life, people need to use their ID cards for some legal activities, and some people also use them to make loans. How can they get a loan with their ID cards? Next, let's take a look at Bian Xiao!

How to use ID card for loan?

There are two kinds of official ID cards:

1, credit loan

The essence of some personal identity cards is that there is no mortgage credit loan. Therefore, if you use an ID card for a loan, then an ID card becomes a necessary condition. At the same time, the applicant is required to provide a series of materials such as work certificate, residence certificate and income certificate. Loans with ID cards have become very common in the market. Bank products include Pudong Development Bank Puyin Point Loan, China Construction Bank Express Loan, ICBC Easy Loan, Ping An Bank New Loan and China Merchants Bank Flash Loan. There is also a loan business that can be conducted online. Products can support Xiaomi loan, Alipay loan, JD.COM gold bar and WeChat micro-loan. Usually, these loan products can be downloaded from mobile phones and applied directly.

2. Guaranteed loan

There are also some personal ID cards to guarantee loans. This kind of loan materials are less, but the requirements for the guarantor will be higher. It is necessary to ensure that people have a stable income or a fixed occupation, which will be more secure. You also need the identity certificate of the guarantor. Only when a qualified guarantor is willing to guarantee for you can you get a loan. Such loans can be submitted directly to small loan companies or banks.

Bian Xiao concluded: The above content is about how to use ID card for loan. I hope I can help you. I believe that through the above content, you will know more about the details of using ID card loans. If there is demand in the future, you can refer to it.

What does a three-year interest-free one-card loan mean?

It is recommended to contact the loan platform for detailed consultation on the three-year interest-free one-card loan. If you need funds, you can also handle them through our official channels. Ping An Bank provides unsecured credit loans, as well as mortgages and mortgage loans for houses and cars. Different loan application conditions and requirements are different. Whether the examination and approval can be successful is evaluated according to your comprehensive qualifications. For details, please log in to Ping An Pocket Bank APP- Loan and try to apply.

Tips: Peer-to-peer lending has certain risks, so please choose carefully.

Response time: February 7, 2022. Please refer to the latest business changes announced by Ping An Bank in official website.

Is it true to buy a car with an ID card loan?

Many 4S shops or car dealers have taken the business of getting loans from ID cards, and many people ask whether they can really buy a car with ID cards. Below, I will answer your questions, hoping to help you.

As we all know, it is generally not enough to have an ID card. Generally speaking, according to the amount of your loan, you generally need a bank's running account and proof of income, and it is best to have a social security card for several years. If the loan is 670 thousand, the income of about 56 thousand a month will be fine. In the case of buying a car, the 4S shop will help you repair it, and it is not that simple to handle. For loans, 4S stores may also charge a handling fee of 2,000 to 5,000 pounds. Interest, different brands and different 4S stores will be different. Some are high, some are low. The longer the return time, the higher the interest, preferably not more than two years, otherwise it is a bit uneconomical. If you have a stable income and some reserves, it is a good choice to buy a car with a loan. If the freed funds are generally used properly, the income will be higher than your interest, and you can also increase the reserve funds.

Now I know two ways to buy a car with an ID card loan:

First, a credit card loan

As long as you meet a certain down payment ratio, you only need an ID card to quickly apply for a car loan.

1. The down payment is more than 60%, the loan amount is 30,000 -65438+ million, or the loan amount is just 30,000, and the down payment is more than 40%.

2. You only need an ID card to apply for a loan, and you don't need other materials.

note:

1. Duke Teana only needs to apply for more than 60% voucher loan, and the loan amount can exceed 65,438+10,000 yuan.

2. Bailuyuan loan cannot apply for voucher loan.

Second, the proof of 20% to 20%

The down payment is as low as 20%, and you can apply for a car loan on the spot with your ID card and driver's license.

1. Simplify the loan materials-you only need two certificates (ID card driver's license) to apply for a loan.

2. Very low down payment ratio-you can enjoy a down payment ratio of 20%, which is the lowest threshold in the industry.

3. Examination and approval results on the spot-you can get the official approval on the spot, and you don't have to go home to prepare materials before applying. Lend money in 2 hours at the earliest, and you can pick up the car on the same day.

Note: Whether the qualification of 22% certificate policy is met or not is subject to the on-site audit results.

This is the end of the introduction on how to obtain a secured loan and whether the secured loan can be paid. I wonder if you have found the information you need?