Hello, generally speaking, the basic conditions for personal loans are as follows:

1, at least 18 years old, with full capacity for civil conduct and valid residence certificate and identity certificate;

2. Have a stable legal income and proof, and have the ability to repay interest;

3. When the loan business needs a down payment, it has the ability to pay the full down payment;

4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;

5, such as credit loans, need to have a good reputation;

6. Other conditions meeting the requirements of the bank.

If you need money urgently, you can also consider online lending. I suggest you choose a big brand loan, with transparent interest and fees to ensure your information security. It is recommended to use rich flowers, which is a credit brand of Xiaoman Finance. Provide users with safe, convenient, unsecured and unsecured credit services. If you borrow money, you can go to Xiaoman Financial APP (click on the official calculation). Consumer loans with money to spend, with a daily interest rate as low as 0.02%, have the characteristics of simple application, low interest rate, quick lending, flexible loan repayment, transparent interest rate and strong security.

I would like to share with you the application conditions for consuming products with money: it is mainly divided into two parts: age requirements and information requirements.

1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide installment loans to students at school. If you are a student at school, please give up the application.

Information requirements: You need to provide your second-generation ID card and your debit card during the application process.

Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua. Due to objective reasons such as the timeliness of the content, if the answer content is inconsistent with the actual interest rate calculation method of Youhuahua loan products, the display on Xiaoman Financial APP- Youhuahua Loan website shall prevail. I hope this answer is helpful to you.

You can borrow 50 thousand in the bank with only one ID card?

Hello, there are many platforms that can provide small loans, and the amount is basically between 5 million and 300,000. You can apply through banks and online loans. Although the amount of microfinance is lower than that of formal loans, it is very popular because of its fast lending and flexible borrowing. As long as you choose a formal platform, you can use it with confidence when the funds and information security are guaranteed.

I suggest you try to use rich flowers. Rich Flower is a credit service brand owned by Du Xiaoman Finance (formerly known as Baidu Rich Flower, renamed as "Rich Flower" in June, 2065438+08). The big brand is trustworthy and the interest rate is low. Rich people launch consumer credit products for individuals. The maximum loan amount is 200,000 yuan (click the official calculation), and the daily interest rate is as low as 0.02%. It has the characteristics of simple application, low interest rate, fast loan, flexible loan repayment, transparent interest rate and strong security.

Share with you the application conditions for rich flowers: the application conditions for rich flowers are mainly divided into two parts: age requirements and information requirements. 1. Age requirement: 18-55 years old. Special note: if you have money to spend, you refuse to provide college students with consumer installment loans. If you are a college student, please give up the application. Information requirements: You need to provide your second-generation ID card and your debit card during the application process. Note: the application only supports debit cards, and the application card is also your loan bank card. My identity information needs to be the second-generation ID card information, and cannot be processed with temporary id card, expired ID cards or first-generation ID cards.

This answer is provided by Youhuahua, please borrow it reasonably according to your needs. Specific product-related information is subject to the actual page of Youhuahua official APP. I hope this answer is helpful to you. Click on the bottom of the phone to measure immediately! The maximum loanable amount is 200,000.

Can I get a loan for my ID card? Regardless of black and white, the minimum compensation can be 50,000!

Friends who pay attention to online lending must often encounter the slogan "Ignoring black and white, an ID card can lend 30,000-50,000" on the Internet. What you searched online is all about this.

Many students who don't know much about online lending often explode at the sight of this clamor: it feels so easy to get a loan! Spend as much as you can now, or it will be overdue before it is sent. You can borrow it anyway!

I thought I was playing with Brother Qian just like you. After seeing the advertisement, I started looking for an intermediary. What happened? This one says you are too dark to borrow, that one says you have too much debt, that one says you have a bad credit stain, and that one says you need proof of your house and car. Finally, I really found all the people who didn't ask about black and white debt credit information and assets. I opened my mouth and said, take a nude photo, take off your clothes and record a video. I can give you 5000 yuan!

God, didn't we agree that we can get a loan as long as we have an ID card, regardless of black and white? What about the agreed money?

I said in tears that I didn't want to borrow it, and I was scolded by the intermediary, saying that I wasted his time. Looking back, hey, I'm still angry!

Later, I worked in this line for a long time, and gradually found that this kind of thing still exists, but it may not be good. You have to pay much more than the money you borrowed!

Let's play with Brother Qian and slowly tell you the rules of repeating microfinance:

1, regardless of black and white.

It depends on how dark you are and what kind of white you are. Some intermediaries say that black households can do it, but in fact it means that people who are "not so thoroughly black" can do it. For example, although it is overdue, it is not overdue within 3 to 6 months; Or, although it is overdue for 1~2 times, some platforms are relatively loose and can still apply for approval. But this kind of loan usually has a characteristic, that is, the amount is relatively low, about 1000 yuan.

Equivalent to black households, white households are more likely to borrow money. If you are a fresh graduate and haven't applied for any credit card, it is easy for small white households to borrow money. Of course, the amount is also very low, around 2000-5000.

2. Don't look at the debt?

Let's be frank, every platform doesn't look at debt. Before lending you money, it will be inspected. It is a private loan that does not look at debt. A formal online lending platform will definitely consider the borrower's debt level and repayment ability. As mentioned above, different platforms have different auditing standards. So when your monthly debt is 1000, some platforms can lend, while others can't. Generally speaking, it is just a gimmick not to look at debt, or this small loan can't find your loan record in other countries, and there is no credit report, but if you are really in debt, it is basically impossible to borrow money. Otherwise, the risk control of other people's small loan companies will really become a display.

So when someone really says that they don't look at debts, you should be careful. This may be private lending. Private lending does not verify your debt, but people's interest and collection methods are awesome. Those people will hire AIDS patients to collect debts at your home, and they will hire people to splash paint at your home. ...

3. As long as the loan is an ID card?

Let's touch our conscience and think about it. If someone borrows money from you with only one ID card, will you borrow it? He borrowed 1000 from you. Do you want to borrow it? What will you do if he is overdue? He ran away. Where are you going to find him? In that case, I'll go to the countryside to collect a sack of ID cards and ask you for a loan.

Why didn't you think of such an obvious truth when others blew it? Remember, all business activities must have a profit point, whether it is doing business or lending, it is to make money. Since in order to make money, we must control the risk, otherwise the lender will run away and lose money if it can't make money. Who would do this kind of business?

Don't be fooled by the idea that you can make the next payment just by your ID card. Try it, and you will be asked to take a lot of information. At the very least, people will ask you to provide your bank card and ID card to prove your identity, or people will check your social security and credit information according to your ID number to determine your risk level before considering a loan.

4 at least 30,000-50,000 yuan?

To sum up, you have no house, no car, no job and nothing, and you still want 30 thousand. Playing naked video with brother Qian is only worth 5000. Of course, maybe it's because I'm too ugly.

There's nothing. Can we get off or not? Sure！

Debt is high, credit information is black, a lot of overdue, no house, no car, no parents, don't mumble, just say, how to get off?

If you ask me, I can, but basically it's worse than not borrowing, because I can only borrow private usury. What is usury? It is 300,000 to 600,000, and 600,000 to 1.2 million. In most news, those students who committed suicide by running away with hundreds of thousands of debts were the last stop to have private loans. The weekly interest rate is above 30%. Compared with private loans, the interest on online loans is really dwarfed.

Have you seen the news that 300,000 female college students "naked loans" after 1995 need to pay back 500,000 these days?

She couldn't borrow money later, debt broke out, and online loans were overdue, which became an out-and-out cyber black. It is impossible for the online lending platform to lend money to her again, which is the so-called "online lending platform to strengthen control". At this time, she embarked on the road of no return of private lending and was finally forced to lend naked.

Therefore, money can be borrowed, but the cost is undoubtedly huge, which individuals and families can't afford. Is this still a good thing? This is a life-threatening thing.

In the final analysis, everyone should spend reasonably and cherish credit. Don't overdraw the future quota, and don't let your credit information be defiled. As long as the credit status is good and the consumption is affordable, there will be no problems such as illegal households, poor credit reporting and high debt. You can borrow any platform you want, and it is not difficult to borrow 3000~5000. What is there to worry about?

Can I get a loan with ID card mortgage?

; ? A friend asked him if he could use his ID card to mortgage the loan. Generally speaking, it is possible. But it's a bit difficult to apply for a loan in a bank with an ID card. In order to make a successful payment, other materials need to be prepared.

Id card loan conditions

(1) If it is approved and registered by the industrial and commercial department, it has a business license and passed the annual inspection.

(2) Having corresponding organizational structure, management system and financial system.

(3) Having a fixed business place, stable income and a good product market.

(4) A loan certificate (card) issued by the People's Bank of China.

(5) Good reputation, no bad credit record, ability to repay debts and good willingness to repay.

(6) Abide by the financial laws and regulations of China.

(7) Business operators have good personal qualities.

ID card mortgage loan requirements

(1) The age of the lender is between 22 and 55.

(2) The loan amount is RMB 20,000-654,380,000.

(3) The loan repayment period is 6-48 months.