I can't. Liars have your mobile phone number. When applying for a loan, they will need to bind the bank card to complete the bank card authentication, and it is impossible to obtain the mobile phone verification code. Whether it is an offline loan or not, it is necessary, so the possibility of applying for a loan by theft is relatively low.

Second, can you do loan business such as online loan only by the three conditions of ID number, mobile phone number and name?

No, even if you have an ID card photo or find an ID card, it is generally unacceptable. It should be easy to know someone else's ID number and mobile phone number, even the front desk of a general hotel can probably know it. The general loan should be to verify the mobile phone number and need the verification code of the mobile phone. Then you may want to upload a photo of your ID card or face recognition, or make sure that your ID number and the real name information of your mobile phone number are the same. Finally, when you pay, you need a bank card that is consistent with the lender's identity information. You think too much. Even if you get a loan, it's not your problem. Some problems are unavoidable. If you really encounter it, you can only find a way to solve it. We are not absolutely safe in this world, and all kinds of accidents may happen at any time. Even if you really try to avoid it, there may be other things to worry about.

3. Can I handle the loan business only by ID photo and mobile phone number?

These two things alone are not allowed to handle loan business. Now the loan business audit is very strict. All need to be handled in person and signed for confirmation.

Information usually needed to apply for a loan:

1, identity information: ID card, military officer's card, etc. ;

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

3. 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;

4. Proof of repayment ability.

Extended data:

Matters needing attention in loan:

1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.

2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.

3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.