If you only have a copy of your ID card, or you can only provide proof of identity to the bank, you can't apply for a loan under normal circumstances. You need the original ID card, income certificate and property certificate to apply for a loan. Loan application conditions: ① Age requirements: domestic residents should be between 18-65 years old, and foreigners should be between 25-65 years old; 2. Job requirements: have a stable work unit, income and fixed residence; ③ Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65. Single application materials: 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 business card or photo badge. Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.
Legal objectivity:
Article 669 of the Civil Code of People's Republic of China (PRC) concludes a loan contract, and the borrower shall provide the true information about the business activities and financial status related to the loan according to the requirements of the lender.
Can I get a loan with a copy of my ID card? Copy of ID card can't be loaned. Banks should consider many aspects when applying for loans, not only the personal credit status, but also whether the lender has the repayment ability. The procedure is complicated, and all kinds of proof materials, such as bank payroll, residence certificate, marriage certificate, work certificate, etc. , and must provide complete loan procedures. Therefore, it is impossible to use only a copy of the ID card.
① Our country's laws stipulate that the legal nature of resident ID cards and copies of resident ID cards is different. Resident identity card is the only valid certificate for citizens to engage in relevant activities and prove their legal identity; A copy of the resident identity card is only a record of the appearance and surface text information of the certificate, which can only be used as a reference for verifying the citizenship information and has no legal effect of proving citizenship.
Like ID cards, fingerprints are needed now. If you can only know some superficial basic information of an individual based on a copy of your ID card, there is generally no way to make a loan.
Can I get a loan with a copy of my ID card? You can't borrow money 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 customer's loan purpose (different loan products correspond to different purposes), and the loan purpose can meet the requirements before applying. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment. The loan interest rate, amount, term and other factors need to be combined with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the handling outlets.
Extended data:
Bank loan:
Bank loan refers to an economic behavior in which banks distribute funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need to provide guarantee, house mortgage, income certificate and good personal credit information to apply.
Moreover, in different countries and different development periods of a country, the types of loans classified according to 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, and project loans. In Britain, industrial and commercial loans mainly take the form of discounted bills, credit accounts and overdraft accounts.
References:
Bank loan-Baidu encyclopedia