ID card is an important identity document for everyone, and it is also one of the important information when taking a loan. Although the ID card itself cannot directly borrow money, you can borrow money through the ID card. So what are the ways to borrow money with the ID card?
1. Bank Loans
Bank loans are a common way to borrow money with ID cards. The advantages of bank loans are low interest rates and simple approval procedures, but they require a lot of information. Moreover, the approval time is long and is not suitable for emergencies.
Application conditions for bank loans:
1. Aged between 18-60 years old;
2. Have a normal ID card;
3. Have a stable source of income;
4. Have a good credit record;
5. Have certain collateral;
6. Have certain repayment ability.
2. Online lending
Online lending is an emerging way of borrowing money with ID cards in recent years. Its advantages are that the approval process is simple, the approval time is short, and it can A larger loan amount is available, but the interest rate is higher and not suitable for long-term borrowing.
Application conditions for online lending:
1. Aged between 18-60 years old;
2. Have a normal ID card;
3. Have a stable source of income;
4. Have a good credit record;
5. Have a certain repayment ability.
3. Small Loan
Small loan is a way of borrowing money with ID card. Its advantage is that the approval process is simple, the approval time is short, and it can provide less The loan amount is high, but the interest rate is high and it is not suitable for long-term borrowing.
Application conditions for small loans:
1. Aged between 18-60 years old;
2. Have a normal ID card;
3. Have a stable source of income;
4. Have a good credit record;
5. Have a certain repayment ability.
4. Consumption installment
Consumption installment is a way to borrow money with your ID card. Its advantage is that the approval process is simple, the approval time is short, and it can provide fewer loans. amount, but the interest rate is higher and not suitable for long-term borrowing.
Application conditions for consumption installment:
1. Aged between 18-60 years old;
2. Have a normal ID card;
3. Have a stable source of income;
4. Have a good credit record;
5. Have a certain repayment ability.
5. Credit card
Credit card is also a way to borrow money with your ID card. Its advantage is that the approval process is simple, the approval time is short, and it can provide smaller loan amounts. However, the interest rate is high and it is not suitable for long-term borrowing.
Credit card application conditions:
1. Aged between 18-60 years old;
2. Have a normal ID card;
< p>3. Have a stable source of income;4. Have a good credit record;
5. Have a certain repayment ability.
6. Loan from relatives and friends
Loan from relatives and friends is a way of borrowing money with ID card. Its advantage is that the approval process is simple, the approval time is short, and it can provide fewer loans. amount, but the interest rate is low, suitable for long-term borrowing.
Application conditions for loans from relatives and friends:
1. Aged between 18-60 years old;
2. Have a normal ID card;
3. Have a stable source of income;
4. Have a good credit record;
5. Have a certain repayment ability.
The above are several ways to borrow money with ID cards. Different methods have different advantages and disadvantages. When choosing a borrowing method, you should choose the appropriate method according to your actual situation. When borrowing, you must pay attention to your repayment ability to avoid unnecessary losses.