Temporary id card can borrow money, and the temporary resident ID card has the legal effect of proving citizenship. The specific procedures for citizens to apply for temporary identity cards are as follows: ① Go to the local police station where their permanent residence is located, submit the residence booklet and my recent one-inch bareheaded black-and-white photo (the photo size standard is the same as that of the resident identity card), and pay the document cost of RMB 10 yuan. /kloc-citizens under the age of 0/6 shall be applied by their guardians. The police station will submit citizens' personal information to the county (city) public security bureau or the public security bureau with districts for examination and issuance, and be responsible for the certificate. The public security organ shall issue a certificate to the applicant within 3 days after receiving the application. (four) citizens who have received temporary identity cards shall return the temporary identity cards when they receive them.

Can temporary id card apply for a loan?

Temporary id card can be used to handle the loan, because temporary id card is also a valid certificate to prove the identity of the borrower and is protected by national laws, so the borrower can handle the loan business with temporary id card.

However, it should be noted that although temporary id card has the same effect as an official ID card in principle, some lending institutions are not allowed to use temporary id card to apply for loans.

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

Repayment method:

Equal principal and interest repayment method: that is, the sum of loan principal and interest is repaid in equal amount every month. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. So the monthly repayment amount is the same;

Average capital repayment method: that is, the borrower repays the loan in every installment (month) during the whole repayment period, and at the same time pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

Pay interest on a monthly basis, and repay the principal at maturity: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis, and the interest is repaid on a monthly basis;

Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, and the general amount is10,000 or an integer multiple of10,000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period shall not exceed the original loan period.

Repay all the loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

Borrow and pay back: interest is calculated daily after borrowing, and interest is calculated daily. You can pay the money in one lump sum at any time without any penalty.

Bank loan interest rates are all calculated by computers based on personal credit information, income, work and other information. In other cases, you can only keep your credit information and try to repay your credit card on time to avoid overdue.

Can temporary id card get a loan? Yes, within the validity period.

Everyone knows that a loan requires an ID card, but some friends can only provide temporary id card because they have lost their ID cards. So can temporary id card get a loan? Let's analyze it for everyone.

First, temporary id card can apply for a loan.

It is understood that under normal circumstances, the validity period of temporary id card is the same as that of my ID card. Therefore, when you lose your ID card, you only need to apply for a loan in temporary id card, while the validity of temporary id card is within 3 months. If it is still valid, the loan application will not be affected. It has also been pointed out that housing mortgage loans are very strict in examining identity documents. If the personal data on the marriage certificate, household registration book and ID card are inconsistent, it will not pass the examination, so users must carefully prepare all kinds of materials and certificates.

Second, temporary id card's loan may be rejected.

Temporary id card and ID cards are different in the eyes of some lenders. Because temporary id card is simple in production, simple in procedures and high in cost possibility, many lending institutions refuse to provide loans to customers who can only provide temporary id card in order to avoid risks.

Therefore, each lending institution has its own way to deal with the question of whether temporary id card can borrow money. Be sure to understand carefully before lending to avoid being unable to lend money because of your ID card.

Generally speaking, temporary id card has succeeded in lending to most lending institutions, but a few lending institutions have doubts about the effectiveness of temporary id card.

This is the end of the introduction about whether temporary id card loan and temporary id card loan can buy a car. Did you find the information you needed?