Now we can hear a lot of voices about using ID cards for loans, but is this really the case? Next, let's take a look. Can I get a loan with my personal ID card? Is private lending illegal?

Can I get a loan with my personal ID card?

First of all, you can't borrow money with your personal ID card, and the bank won't accept it. Among them, the basic conditions for applying for personal bank loans are: China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland; Have a stable economic income and the ability to repay the principal and interest of loans; Other conditions stipulated by the bank.

Secondly, to apply for personal bank loan materials, you need to have:

(1) ID card, marital status household registration certificate, income certificate, property title certificate.

(2) the guarantor's ID card, household registration book and proof of marital status.

(3) Business license and tax payment certificate of individual owners.

(4) If the loan application requires guarantee (including mortgage and guarantee), the guarantee materials shall be submitted.

In addition, there are personal loans related matters needing attention as follows:

(1) Personal loans should have clear purposes and should comply with laws, regulations and relevant national policies. The transaction background is true, and the transaction background and loan purpose should not be fabricated.

(2) The use of personal loans should follow the principle of good faith and conform to the purposes agreed in the loan contract. According to the current regulations of the state, loan funds shall not illegally enter the fields prohibited by the state, such as stock market and real estate development.

(3) If you purchase a house by loan, you should apply for a personal housing loan in accordance with state regulations. According to the current national regulations, consumer loans are prohibited from being used to buy a house.

Is private lending illegal?

Generally speaking, private lending is legal, but it must be within the scope permitted by law, otherwise it will not be protected.

Article 6 of Several Opinions of the Supreme People on People's Trial of Lending Cases clearly stipulates: "The interest rate of private lending may be appropriately higher than that of banks, but the maximum shall not exceed four times that of similar loans of banks. If this limit is exceeded, the excess interest will not be protected. "

In addition, as most private loans are private transactions, they often go hand in hand with adventure, speculation, secrecy and black-box operation, and there are many intermediate links, forming a long or short capital chain. If there is a problem in one of the links, it is easy to trigger a serious chain reaction. Therefore, if private lending is to be carried out, we must pay attention to avoiding risks reasonably for the safety of funds. In order to avoid risks, we need to pay attention to the following points:

(1) Understand the relevant background of the borrower and choose an individual or enterprise with good credit. For borrowers who borrow money to run high-risk projects, we should carefully consider whether there is a loan relationship with them and choose to lend money when we are sure of profit.

(2) Pay attention to the review of the borrower's borrowing purposes, and the borrowing behavior used for engaging in illegal business or activities is not protected by law.

(3) Non-financial enterprises illegally raise funds from employees or the society and issue loans to the public in the name of lending, which is illegal lending.

Can I get a loan with my personal ID card? Is private lending illegal? As for whether it is feasible to use personal ID card for loans and whether private lending is illegal, the above contents are briefly introduced, hoping to help everyone.

Second, the ID card private mortgage loan to reissue the ID card?

You can reissue it, but do you want to return it if it is not enough? You can't choose to borrow money or cash bus for credit investigation.

3. How to apply for a loan with an ID card?

How to apply for an ID card loan?

There are two conditions for borrowing money with an ID card: 1, and identity is proved with an ID card; 2. Others vouch for themselves. After meeting the above two conditions, you can apply for a loan directly with your ID card. The steps to apply for a loan with an ID card are: 1. Fill in the applicant's personal and guarantor information and family contact information; 2. Submit a copy of my ID card and work certificate, and the guarantor's work certificate; 3. Bank audit; 4. Sign the loan agreement after approval; 5. After completing the above steps, the loan can be released. Finally, the borrower should not forget to repay.

Because personal ID card loans are much easier than other loans, many friends want to get funds in this way. However, Bian Xiao reminded everyone not to "go to the hospital in a hurry" when funds are scarce, otherwise it would be easy to fall into the trap set by swindlers and the loan would not be cheated.