People can't get a loan if they take my ID card.

Now loans are all real-name authentication, and you can only apply for loans with your own ID card.

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.

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.

What if someone else uses my ID card to get a loan?

If someone wants to use your ID card to get a loan, I don't think it is possible. If your ID card is far from lending money to others, there is a certain risk, and if he doesn't pay it back when it expires, it will, uh, affect your credibility in the bank, your future development and your success rate in handling other important businesses.

Can someone else get a loan if they take my ID card?

You can apply for a loan with someone else's ID card, but when applying for a loan with someone else's ID card, the owner of the ID card needs to know and confirm it at the scene. If the owner of the ID card doesn't know, taking someone else's ID card to apply for a loan will constitute a civil tort that infringes on the right to name. If the circumstances are serious, it constitutes a loan.

At present, according to Article 193 of the Criminal Law, if a bank or other financial institution issues a large amount of loans for the purpose of illegal possession, it shall be sentenced to fixed-term imprisonment of not more than five years or criminal detention, and shall also be fined not less than 20,000 yuan but not more than 200,000 yuan; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than five years but not more than ten years, and shall also be fined not less than 50,000 yuan but not more than 500,000 yuan; If the amount is especially huge or there are other especially serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than 10 years, fined not less than 50,000 yuan but not more than 500,000 yuan or confiscated property.

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What if someone impersonates a loan?

First of all, I raised an objection to the bank that handled the loan and asked the bank to investigate the loan situation. If I didn't sign the contract and other related documents, I can apply for legal appraisal.

If the impostor's personal credit record is affected due to overdue reasons, the impostor can negotiate with the bank to clear the bad credit record. If the bank refuses to solve the problem, the impostor can complain to the local people, raise objections or appeal to the people.

In daily life, we must take good care of important personal certificates and documents, such as ID cards and credit cards. , and shall not provide important documents and copies to others at will.

What if my friend wants to borrow my ID card for a loan?

Identity card is a certificate issued by the government to citizens to prove the identity of the holder, which generally refers to China People's Identity Card and National Resident Identity Card. Its importance is self-evident. Generally, lenders who borrow ID cards can no longer borrow from banks or institutions, which may be due to bad credit or too low credit limit.

Then can I borrow someone else's ID card for a loan?

Actually, it is possible. At present, many small loan companies in the market have very low thresholds and the audit is extremely lax. As long as you upload your ID photo and personal information, you can get the loan smoothly, and you won't even compare yourself with the certificate seriously. Relatively speaking, the interest on this kind of loan is very high. Once it cannot be repaid, it will affect the credit of the certificate owner, so don't borrow someone else's ID card easily.

There is also a loan guarantee.

The so-called guaranteed loan refers to the loan issued by the lender in accordance with the guarantee method stipulated in the Guarantee Law on the condition that the third party promises that the borrower will bear joint and several liabilities in accordance with the regulations when the principal and interest of the loan cannot be repaid.

At present, many banks and private loan companies favor lenders with good work units and stable income. If someone borrows your ID card as a loan guarantor, you can get a secured loan of about 65,438+10,000 yuan from some financial institutions with lax audit. Once overdue, both parties should bear the responsibility.

The general formal ID card loan model needs to implement the following processes. Fill in the applicant's family contact information and the guarantor's family contact information; Submit a copy of ID card and work certificate or friend's work certificate; Submitted to the bank for review; Successfully signed a loan agreement after approval; Bank loans; Finally repay the loan.

As a reminder, don't lend your ID card to others at will, whether it is a loan or other business, or you will easily get into trouble. What if someone uses my ID card? If it is true that the ID card has been fraudulently used by others and there is a record of dishonesty in the Credit Information Center of the People's Bank of China, then you can explain the situation to the lending institution and ask it to cancel the record; If the other party does not cancel, it can submit relevant materials to the People's Bank of China, and the relevant institutions of the People's Bank of China will send a letter to the lending institution to propose cancellation; If the lending institution is still not revoked, Ping Huang may appeal to the CBRC, the competent unit of the lending institution.

What will happen if someone takes my ID card to the bank for a loan?

Someone took a customer's ID card to the bank for a loan, and the loan was repaid by the customer.

The ID card is the legal identification of every citizen. It is a legal contract for a friend to borrow money from a bank with his ID card. The parties to the contract are the parties to the contract and the bank. Although a friend does borrow money from a bank, he is not a party to the loan contract. According to the principle of relativity of contracts, banks have the right to require the parties to repay the loans. So don't lend your ID card casually, so as not to get into a lawsuit and harm your personal interests.

Because there are indeed some companies that can provide loans in society, the operation is not standardized, and the pre-lending procedures may be very simple, only the lender needs to transmit identity information through the network, which brings trouble to the data owner.

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If someone else takes a customer's ID card to get a loan, the consequence is that the customer needs to bear the debt or repay it after the loan. However, this situation is the most common in online lending. At this time, it can be considered that the online loan company did not fulfill its obligation of substantive verification, which led to this situation. If the online loan company still harasses the collection, it can call the police.

Even if he is found, he can prove that he is not the actual lender and the qualified defendant in this case. After verification, he will rule to reject the plaintiff or reject it.