In Chengdu, a land of abundance, people's consumption level is constantly improving. Inadvertently, we will encounter the problem of funds. Therefore, some people can't help but ask, can only ID cards be used for loans? Many companies' answers are yes, so let's analyze whether we can borrow money only by ID card.

Personal identity card is a kind of secured loan. The so-called guaranteed loan refers to the loan that the lender issues by way of guarantee stipulated in the Guarantee Law when the borrower cannot repay the loan interest, and the third party promises to bear joint and several liabilities according to the regulations.

First of all, we should know that there are several steps to apply for a micro-credit loan with an ID card:

(1) Fill in the applicant's personal and guarantor information and family contact information.

(2) Submit a copy of my ID card, work certificate and guarantor's work certificate.

(3) Bank audit.

(4) Sign the loan agreement after approval.

(5) After the above steps are completed, the loan can be released.

Of course, the last and most important point is to remember to repay the loan to avoid causing credit stain to the guarantor.

When we face the problem of funds, we are often in a state of anxiety, hoping to achieve the goal of successfully solving the problem through the fastest way. It is precisely because of this idea that we have given some online credit swindlers an opportunity, and a series of online credits have followed, which requires us not to lose our due rationality, nor to try to take advantage of opportunities and find shortcuts to avoid a series of troubles when the final loan fails. In the early days of the personal loan industry, our awareness was low and the market lacked standardization. Therefore, when choosing a loan company, we need to pay attention to the following points:

(1) Be sure to carefully screen and carefully understand the qualifications and background of the other company. If you can, try to go to the company for a field trip to see if you have a business license. At the same time, you can also check the company's industrial and commercial registration number and organization code online.

(2) Choose the institution or company that lends money first and then pays the handling fee. Formal financial institutions will not charge any fees before they successfully obtain loans.

(3) When signing a contract with a loan company, you must sign it in person, and any details should be put forward in time to avoid unnecessary later.

As a legal identity symbol of residents, ID cards must be provided, but it is impossible to borrow money only by ID cards. Please be vigilant when lending!

Can Chengdu Mo Long really get a loan of 50,000 yuan with only one ID card?

Fake. Mo Long is a loan intermediary company headquartered in Chengdu. After the customers come to the door, Mo Long does not lend money to customers, but a lending institution that cooperates with Mo Long to lend money to customers. As a middleman, Mo Long's specific loan amount depends on the loan company's evaluation of users' personal qualifications.

Is it true that the online lending platform of Chengdu Loan claims that "loans can be made with ID cards"?

Don't! ID card, mobile phone number and proof of income are essential basic materials for online loans. Don't be credulous to prevent being cheated. There are related cases on Xiao Xu Qing Donkey, so you can learn about them.

How to mortgage a loan with an ID card?

If it is a bank's Chengdu personal ID card, it means that Chengdu is unsecured. However, the personal identity card of Chengdu Bank also includes the following procedures:

First, your identity information (ID card, household registration book, proof of marital status) is used by the bank to determine your identity and family information;

Second, your ability information (education certificate, work permit, professional title certificate, copy of business license of work unit with official seal, running water and income certificate) is used by the bank to determine whether you have repayment ability, and the income certificate needs to be more than twice the monthly repayment amount;

The third is asset information (large deposits, automobile production, real estate, stocks, funds, wealth management, etc.). ). This part of the bank is used to understand your asset capacity, which can speed up the loan issuance time.

Chengdu personal identity card conditions

First, the conditions in Chengdu are:

First of all, the borrower is a Chinese mainland resident and can provide personal identification (ID card, household registration book, marriage certificate, etc.). );

Secondly, it has a fixed address and place of work and business, and can provide proof of address (house lease contract, water and electricity bill, etc.). );

Thirdly, have a stable source of work or economic income, good credit standing, and can provide bank serial number, labor contract and other supporting materials;

Finally, the borrower has no bad credit record and the loan cannot be used for purposes prohibited by state orders.

Second, the materials for personal needs are:

1. First, you must have a valid personal identity document, provide a household registration book, and have full civil capacity;

2. Have a stable job and a good income. If you receive your salary through bank transfer, you need to submit the running proof of your recent salary card;

3. Unmarried persons submit unmarried certificates, and married persons submit relevant materials of spouses and family members;

4. Have a fixed account in the bank applying for the loan;

5. Other requirements of lending institutions.

Third, the individual process:

Apply for a loan from the bank-the bank accepts and evaluates the collateral, and verifies the loan amount according to the evaluated value-sign a loan contract-register the collateral-the bank issues the loan-and the borrower repays the loan on time.

If you only have an ID card and have no other materials to prove it, you can't apply successfully. Only when the above conditions are met can the application be successful.

This is the result of Chengdu's introduction of ID-only loans and ID-only loans. I wonder if you have found the information you need?