You can't get a loan with a copy of your ID card.

customers need to provide specific proof of the use of funds. Generally, the loan handling bank will first review the loan use of customers (the loan products corresponding to different uses are different), and the loan use can only be applied if it meets the requirements. At the same time, it will comprehensively evaluate the collateral, personal credit, repayment situation and other factors. The loan interest rate, amount, term and other factors need to be priced in combination with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after the approval of the handling outlets.

Extended information:

Bank loan:

Bank loan refers to an economic behavior in which a bank lends funds to people in need of funds at a certain interest rate according to national policies and returns them within an agreed period. Generally, guarantee, house mortgage, proof of income and good personal credit information are required before you can apply.

moreover, in different countries and different development periods of a country, the types of loans classified by various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, project loans, etc., while industrial and commercial loans in Britain mostly take the form of bill discount, credit accounts and overdraft accounts.

Reference:

Bank loan-Can Baidu Encyclopedia get a loan only with a copy of its ID card?

You can't get a loan with a copy of your ID card.

loan target: China citizens with full civil capacity who have reached the age of 18 to 6.

Application materials to be provided for loan:

(1) A written document that the guarantor agrees to provide the guarantee required for the borrower to obtain the guarantee amount.

(2) the credit certificate of the guarantor.

(3) the appraisal report of collateral issued by the appraisal department recognized by the society.

(4) Other documents and materials specified by CCB.

(5) The original and photocopy of the borrower's valid identity certificate.

(6) Proof of local permanent residence or valid residence status.

(7) The borrower shall issue the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) Pledge rights, collateral list and ownership certificate required for the borrower to obtain the pledge and mortgage line. Written documents of the owner and the property * * * that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill of payment for the hydropower property at the company site and the bill of payment for the hydropower property at the personal address.

Extended information:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other lending funds.

Banks put the concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Reference: Baidu Encyclopedia-Can I apply for a loan with a copy of my ID card?

Subjective law:

If you only have a copy of my ID card, or you can only provide identification materials to the bank, you can't apply for a loan in general. To apply for a loan, you need the original ID card, income certificate and property certificate before you can apply. Application conditions of the loan: ① Age requirements: the age of domestic residents should be between 18 and 65 years old, and the age of foreigners should be between 25 and 65 years old; 2 job requirements: have a stable work unit, income and fixed residence; ③ Credit requirements: no bad credit record. Supplementary card applicants must be the parents, spouses or children of the principal cardholder, aged between 16 and 65. Application materials for single item: ① identification materials: copy of resident ID card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your Mainland Pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year. ② Proof of work and income: proof of salary, or either a business card or a photo badge. Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Bank loan account (good credit, overdue for no more than 6 days) or copy of deposit certificate.

Legal objectivity:

Article 669 of the Civil Code of the People's Republic of China concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan as required by the lender.