Is it true that loans only use ID cards?
You really only need an ID card to get a loan. At present, there are similar loopholes in the market, but there are many situations. Borrowers must keep their eyes open and choose reliable channels for loans before lending.
1, black households and white households can make a payment.
For some private lending products with extremely low thresholds, you can use your ID card to make loans. After all, the reputation is not high. Only by lowering the threshold can we attract more borrowers and charge interest.
The characteristic of this kind of loan is that anyone who has been overdue and has not done any loan business can apply for a loan, because the loan can be provided as long as the user needs it without checking the credit information, but the amount is relatively low and the interest is high. Most of them are small loans of 1000 yuan.
2. Informal microfinance
There are some channels in the market that claim that you can get a loan with your ID card. You can get a loan for anything without a house, a car or a job.
However, it is understood that many users have fallen into the pit. Because they apply for this kind of loan, the system will prompt that they have passed the examination and are waiting for the loan, and then there is no news. The money hasn't arrived for ten and a half months, which makes the borrowers waiting for it very anxious. They are worried that they will suddenly make money here after applying for other loans, and they are afraid that they will draw water with a sieve after waiting for a long time, which is quite laborious.
How to distinguish loan fraud
1. In the National Enterprise Credit Information Publicity System _ National Enterprise Credit Information Publicity System, the unified social credit code on the business license is used for true and false inquiry. After the query results come out, it is necessary to check word for word whether the enterprise name is consistent with the business license, whether the legal person information is consistent and whether it is cancelled. Because some criminals confuse borrowers by modifying a word in the name of a regular enterprise or using a name that the enterprise no longer uses. Borrowers will be cheated if they are not careful.
2. You can find the official official website of the enterprise through the full name or abbreviation of the company in the business license online. For example, if you search for Qian Yun in the browser, Qian Yun official website will appear. Regular loan companies basically have their own official website displayed on the Internet. Contact the loan company through the contact information provided by official website to confirm whether the person contacting you is an employee of the enterprise.