Xi locals can't borrow money by mortgaging their ID cards. According to relevant information, mortgage ID cards are generally unable to apply for loans. When a user applies for a mortgage loan, the collateral must have a certain value, and the ID card itself is not qualified collateral, so the mortgage ID card cannot obtain a loan. Users can try to apply for credit loans if their credit qualifications are average. Credit loans do not need mortgage and guarantee, as long as they have good credit information and certain repayment ability, they can apply.