Identity card is a certificate issued by the government to citizens to prove the identity of the holder, which generally refers to China People's Identity Card and National Resident Identity Card. Its importance is self-evident. Generally, lenders who borrow ID cards can no longer borrow from banks or institutions, which may be due to bad credit or too low credit limit.

Then can I borrow someone else's ID card for a loan?

Actually, it is possible. At present, many small loan companies in the market have very low thresholds and the audit is extremely lax. As long as you upload your ID photo and personal information, you can get the loan smoothly, and you won't even compare yourself with the certificate seriously. Relatively speaking, the interest on this kind of loan is very high. Once it cannot be repaid, it will affect the credit of the certificate owner, so don't borrow someone else's ID card easily.

There is also a loan guarantee.

The so-called guaranteed loan refers to the loan issued by the lender in accordance with the guarantee method stipulated in the Guarantee Law on the condition that the third party promises that the borrower will bear joint and several liabilities in accordance with the regulations when the principal and interest of the loan cannot be repaid.

At present, many banks and private loan companies favor lenders with good work units and stable income. If someone borrows your ID card as a loan guarantor, you can get a secured loan of about 65,438+10,000 yuan from some financial institutions with lax audit. Once overdue, both parties should bear the responsibility.

The general formal ID card loan model needs to implement the following processes. Fill in the applicant's family contact information and the guarantor's family contact information; Submit a copy of ID card and work certificate or friend's work certificate; Submitted to the bank for review; Successfully signed a loan agreement after approval; Bank loans; Finally repay the loan.

As a reminder, don't lend your ID card to others at will, whether it is a loan or other business, or you will easily get into trouble. What if someone uses my ID card? If it is true that the ID card has been fraudulently used by others and there is a record of dishonesty in the Credit Information Center of the People's Bank of China, then you can explain the situation to the lending institution and ask it to cancel the record; If the other party does not cancel, it can submit relevant materials to the People's Bank of China, and the relevant institutions of the People's Bank of China will send a letter to the lending institution to propose cancellation; If the lending institution is still not revoked, Ping Huang may appeal to the CBRC, the competent unit of the lending institution.

If someone takes my ID card to get a loan, what will happen to me?

Legal analysis: Under normal circumstances, after the ID card is used as a loan by others, the consequences that individuals need to bear are as follows:

1. The loan did not appear.

Usually, without the knowledge of the owner of the ID card, others borrow money with their ID cards. After the loan expires, the bank will come to the door and ask the parties to repay the loan amount.

2. Debts and lawsuits.

If the ID card owner finds out that he is a "loan" rather than a "loan", there will be debts. Once the bank finds out, it will take the ID card holder as the defendant. Therefore, if you find that an individual is "loaned", you should choose to call the police at the first time;

3. Take the repayment obligation and then recover.

If the repayment is not made in time, the bank will go directly to the owner. Usually, due to the lack of strong evidence, the owner of the ID card often loses the case. After losing the case, the ID card owner must first assume the obligation to pay off the debt. If it is not returned in time, the bank will recover the debt.

4. There will be a credit stain.

If the actual borrower fails to repay the loan on time, the credit stain will be recorded in the name of the ID card holder.

Legal basis: People's Republic of China (PRC) Identity Card Law.

Seventeenth one of the following acts, by the public security organs fined two hundred yuan to one thousand yuan, or detained for ten days, illegal income, confiscate the illegal income:

(a) using another person's identity card or using a forged identity card;

(2) buying, selling or using forged or altered identity cards.

Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs.

Article 18 Whoever forges or alters a resident identity card shall be investigated for criminal responsibility according to law.

What will happen if someone takes my ID card to the bank for a loan?

Someone took a customer's ID card to the bank for a loan, and the loan was repaid by the customer.

The ID card is the legal identification of every citizen. It is a legal contract for a friend to borrow money from a bank with his ID card. The parties to the contract are the parties to the contract and the bank. Although a friend does borrow money from a bank, he is not a party to the loan contract. According to the principle of relativity of contracts, banks have the right to require the parties to repay the loans. So don't lend your ID card casually, so as not to get into a lawsuit and harm your personal interests.

Because there are indeed some companies that can provide loans in society, the operation is not standardized, and the pre-lending procedures may be very simple, only the lender needs to transmit identity information through the network, which brings trouble to the data owner.

Extended data:

If someone else takes a customer's ID card to get a loan, the consequence is that the customer needs to bear the debt or repay it after the loan. However, this situation is the most common in online lending. At this time, it can be considered that the online loan company did not fulfill its obligation of substantive verification, which led to this situation. If the online loan company still harasses the collection, it can call the police.

Even if he is found, he can prove that he is not the actual lender and the qualified defendant in this case. After verification, he will rule to reject the plaintiff or reject it.