How to borrow an ID card loan?

How to apply for a loan with an ID card

There are two conditions for borrowing money with an ID card: (1) proving identity with an ID card; Others guarantee themselves. After meeting the above two conditions, you can apply for a loan directly with your ID card. The steps of applying for a loan with an ID card are as follows: (1) Fill in the personal information and family contact information of the applicant and guarantor; Submit a copy of my ID card and work certificate, as well as the guarantor's work certificate; , bank audit; Sign a loan agreement after approval; 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.

How to use ID card for loan?

Question 1: How to get a loan with an ID card? There are many articles on the Internet about using personal ID cards to handle loans. So, can I get a loan just by my ID card? In fact, the ID card is the legal identity certificate of the borrower and one of the most basic conditions for the loan. Even if it is a credit loan, you may not be able to get the money just by taking your ID card. If you want to get loans from banks or non-bank lending institutions, you must have certain repayment ability and credit status, otherwise it is easy to form bad debts. However, in the case of weak economic ability, it is not necessarily impossible to use the factory certificate loan. Then in fact, it is very simple, that is, looking for a third-party guarantee institution, you can apply for micro-credit loans and secured loans with your personal ID card. Because there is a guarantee company guarantee, lending institutions are more at ease. At this time, you can take your ID card to get a loan. The guarantee company is more risky and may charge more service fees (guarantee fees) than the bank.

Question 2: Can I get a loan with my ID number? You can't get a loan just by your ID card.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 3: How much can I borrow from the bank with my ID card? You can't apply for personal loans through bank channels only with your ID card. If your city has China Merchants Bank and has certain solvency, you can try to apply through China Merchants Bank. Each loan project requires different conditions and application materials. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter manual service, so as to provide loan purposes and learn more about the city. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.

Question 4: How to use an ID card to get a loan? Application materials to be provided when applying for a loan:

(1) Original and photocopy of the borrower's valid identity certificate;

(2) local permanent residence or valid residence identity certificate

(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

(4) The list of pledge, collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and property * * * agreeing to pledge and mortgage.

(5) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(6) Credit certification materials of the guarantor.

(7) Collateral appraisal report issued by the appraisal department recognized by the society.

I hope I can help you.

Question 5: How can I get a loan on my mobile phone with my ID card? 1. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that loans can be made only with ID cards. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. ID card is only the necessary material for loan, and the most important thing is to provide proof of income and prove that you are suitable for credit loan.

At present, there is no loan product that can be obtained only by ID card. No matter what kind of loan, in addition to the ID card, at least another proof should be provided. In the process of loan, ID card is only an essential thing. In addition, don't pay any fees before the loan arrives to prevent being cheated.

Question 6: I want to use my ID card to get a loan from a rural credit cooperative. I want the rural credit cooperatives to pay off the loan first and give you an explanation. Otherwise, report to the local banking supervisor and let them get more than one bargained for.

Question 7: Is it credible to borrow with an ID card? Friendly reminder of Baidu anti-alliance team:

All the information posted on the Internet that you can borrow money or apply for a large credit card with your ID card is a low-level scam. Don't trust the company whether it is registered or not. Liars will trick you into signing a contract, and then ask you to pay the first month's interest, performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, mortgage fee, card opening fee, etc. Step by step. In the name of insufficient bank flow, checking repayment ability or capital verification, it is required to transfer all the funds in the account to the liar's account. If you don't pay, the swindler will threaten you to breach the contract and pay huge liquidated damages in the name of signing a contract with them. This is really a low-level means and typical!

Don't believe the threat of any liar. Because the other party is suspected, the contract signed with the liar has no legal effect and there is no breach of contract. Please always remember that it is absolute for the other party to ask you to pay any fees in advance for any reason. Under no circumstances should you send money or transfer money to others first, so as not to be cheated!

Therefore, I would like to remind netizens not to believe such loan or card information released by various online investment and financing guarantee companies and various microfinance companies, especially in big cities such as Beijing, Shanghai, Guangzhou and Shenzhen, which are basically liar companies! If you are cheated, regardless of the amount, please choose to call the police! So rampant, please also ask local public security organs to vigorously crack down on rectification!

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Intellectual heroes interested in anti-alliance, come and join the anti-alliance team. Please click on the anti-alliance application below to join, answer questions and help others together, so that the world can't cheat without you!

Question 8: Can I get a bank loan with my personal ID card? Bank loans can be issued on behalf of personal identity cards, but some conditions must be prepared.

Personal ID card loan is a popular micro-credit in the market at present, which is based on personal credit record and repayment ability. The lender will be required to provide relevant certification materials such as identity, residence and income.

The basic requirements for personal ID card loans are:

1. The lender is required to be between 22 and 55 years old.

2. The loan amount is RMB 20,000-654.38+10,000.

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

Basic loan conditions

Judging from the current reality, the basic conditions of micro-credit loans are:

1. Chinese mainland residents;

2. Have a stable address and place of work or business;

Third, there is a stable source of income;

Four, no bad credit records, loans can not be used for stock trading, gambling and other acts.

To apply for a personal ID card loan, you need to provide the following supporting materials:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

With the above conditions, you can go to the bank to apply for a personal ID card loan.

Question 9: How to check whether the ID card has applied for a loan, and go to the credit information center of the local people's bank to check personal credit records? Or your province or city belongs to the pilot scope, you can log on to the online service platform of the personal credit information center to inquire about personal credit records. At present, the provinces supported by the personal credit service platform of the Credit Information Center are: Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi, Guangdong, Zhejiang, Tianjin, Xinjiang, Shanghai, Hubei, Qinghai, Hebei, Anhui and Inner Mongolia, and the rest provinces are temporarily disconnected. Please be patient.

China People's Bank Credit Information Center Service Website: pbccrc/

Personal Credit Information Service Platform of Credit Information Center: ipcrs.pbccrc/

List of Internet Personal Credit Information Service Platform Service Pilot Areas: ipcrs.pbccrc/html/sddq

Question 10: How can I check whether my ID card has been fraudulently used by others 100 points? Hello, you can apply to the local people's bank with your ID card to check your credit history. Your loan situation is clear at a glance.

Or register in official website, the personal credit information service platform of the Credit Information Center of the People's Bank of China.

Can I get a loan for my ID card?

You can't apply for a loan with only one ID card.

Conditions that personal loans need to meet.

Loan age limit 18 years old, the maximum age of men is 60 years old, and the age of women is 55 years old. The cadres at or above the division level are legal citizens for five years;

Holding a legal household registration book, identity card or business license, certificate of legal representative or legal residence permit and passport, the city purchases commercial housing designated by the bank;

Open a special deposit account in a bank with a deposit balance of not less than 30% of the purchase price;

Having valid purchase contracts, agreements and other supporting documents;

Agree to mortgage the property under the purchase contract;

Willing to perform all the terms of the loan contract;

Other conditions stipulated by the bank.

Information to be prepared for personal loans

Original and photocopy of resident identity card;

Original and photocopy of the house subscription book;

The original and photocopy of the down payment;

Proof of monthly payment ability, including: personal and family income certificate, deposit certificate (passbook or other securities), etc.

Matters needing attention

Provide true information to the bank, accurately provide my address and contact information, and notify the bank in time when it changes;

The purpose of the loan should be legal and compliant, and the transaction background should be true;

According to their repayment ability and future income expectations, choose the repayment method that suits them;

Apply for a loan amount according to your own ability, and usually the monthly repayment amount does not exceed 50% of the total family income;

Read the terms of the contract carefully and understand your rights and obligations;

Repay on time to avoid bad credit records;

Don't lose the loan contract and iou, and don't forget to cancel the mortgage registration after paying off the loan;

Advance repayment must be communicated with the bank one month in advance before it can be processed.

When a foreigner applies for a commercial loan, the general bank requires the borrower to have a stable income in the local area, and also to open a household registration certificate at the place where the account is located (some banks also require a certificate of employment); Moreover, the housing guarantee company requires foreigners to apply for temporary residence permits in addition to local income.

identity card

The resident ID card of the People's Republic of China is a proof of citizenship to prove that you live in People's Republic of China (PRC). On March 29th, 2004, Chinese mainland officially began to renew the second-generation resident ID card with built-in contactless IC card smart chip. The surface of the second-generation ID card adopts anti-counterfeiting film and printing anti-counterfeiting technology, and personal color photos can be used to read the information in the digital chip by machine.

Please click to enter the picture description (maximum 18 words).

Can I only borrow money from the bank with my personal ID card?

If you only have a personal ID card, you can't get a loan from a bank. If you can, it must be a lie. The simplest requirement of a bank is to evaluate your personal credit and income stability, so you need to prepare materials before lending. Ask the corresponding bank for at least three consecutive months of cash or salary bills, and must have a personal account number and name, and the monthly income must be greater than 2000. Any bank credit card bill, telephone bill, cable TV fee, water, electricity and coal fee or payment invoice in the recent period (choose one from six). Labor contract or employment certificate within the validity period (choose one). The income certificate issued by the company must be stamped with the official seal or personnel seal. Valid ID card and household registration book, temporary residence permit is required for non-local accounts.

Can I get a loan for my ID card?

I can get a loan for my ID card.

Who can borrow money:

1, natural person

2. Legal person or its representative-enterprise legal person and institution legal person.

3. Other economic organizations or their responsible persons.

4. Natural persons, legal persons, other economic organizations or their agents.

Available loan types:

1, medium and long-term loans-the loan term is more than 5 years (excluding).

2. Medium-term loan-loan term 1-5 years.

3. Short-term loan-the loan term is within 1 year (inclusive).

4. Overdraft-a loan with no fixed term