You can get a loan if you have a bank card number and name, but you also need to provide an ID card and a mobile phone number reserved by the bank, so that you can apply for a loan online. You can't get a loan just by your bank card number and name. The basic application materials include ID card, bank card and mobile phone number, and proof of assets is required for mortgage or pledge loan.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

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. Keep an eye on it

(1) interest rate

The proportion of interest in the total loan funds within a certain period is the manifestation of the loan price. Namely: interest rate = interest amount/loan principal.

Interest rates are divided into daily interest rates, monthly interest rates and annual interest rates.

The lender determines the loan interest rate with the lending bank according to the benchmark interest rate and interest rate floating space announced by relevant laws and regulations of various countries.