My money. According to the relevant national laws and regulations, we can know that the identity card of the party concerned cannot be used by others to obtain loans, and its behavior belongs to loan fraud, so it is impossible to obtain loans with other people's identity cards.

When handling a loan, the lending institution will generally check my identity information. If there is, the lending institution will not handle it. Once you provide your identity information to others, if they repay on time or even in arrears, the lending institution will eventually ask you for repayment.

ID card loan is not a way to apply for a small credit loan only by means of an ID card, mobile phone, etc., submitting ID card information and personal information, and applying for a loan by virtue of credit. In some informal lending institutions, loans are encountered.

1. To apply for a personal bank loan, the following conditions shall be met:

First, he has reached the age of 25 and has full capacity for civil conduct; And the residence certificate of China primary school.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record. Fourth, it can provide five conditions recognized by the bank and other conditions stipulated by the bank.

2. Individuals applying for bank loans need to provide

Loan application; Original and photocopy of husband and wife's property * * * Some people agree with loan opinions, family property status and other information (work certificate, bank running water, property rights, etc. ); Water, electricity, gas and other documents within one month of the fixed place); Loan contract.

3, personal guarantee, need to provide the following information:

Original and photocopy of ID card, household registration book and marriage certificate of both husband and wife; Occupation and income information of husband and wife (work certificate, driver's license, etc. ); The fixed place proves the credit information of water, electricity and coal in the current month; Notarization.

4. Enterprise information:

Original and photocopy of business license, original and photocopy of tax registration certificate (national tax and local tax), organization code certificate, articles of association, ID card of legal representative of enterprise, loan certificate (annual inspection certificate; Financial statement: financial statement (with audit report). Including the seal of balance sheet, income statement and cash flow statement); Special industries need to provide EIA data (EIA report, pollutant discharge permit).

Legal basis: Article 193rd of the Criminal Law of People's Republic of China (PRC) is under any of the following circumstances. Whoever borrows a large amount from a bank or other financial institution for the purpose of illegal possession 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: (1) fabricating false reasons such as introducing funds and projects; (two) the use of false economic contracts; (3) using false documents; (four) the use of false property rights to prove the value of collateral repeated guarantees; (5) Loans in other ways.

Second, what is the crime of taking someone else's mobile phone loan?

Legal analysis: the misappropriation of other people's identity information loans constitutes a civil tort that violates the right to name. If the circumstances are serious, it may constitute the crime of defrauding loans. 1. According to Article 17 of the Law on Resident Identity Cards, anyone who commits one of the following acts shall be fined between 200 yuan and 1,000 yuan by the public security organ, or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated. (1) using another person's identity card or using a false identity card. (2) buying, selling or using forged or altered identity cards.

Legal basis: Obtaining loans, bill acceptance, letters of credit, letters of guarantee, etc. in Article 175-1 of the Criminal Law of People's Republic of China (PRC). Whoever cheats a bank or other financial institution, thus causing heavy losses to the bank or other financial institution, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also, or shall only, be fined, or if there are other particularly serious circumstances, shall be sentenced to fixed-term imprisonment of not less than three years but not more than seven years and shall also be fined.

If a unit commits the crime mentioned in the preceding paragraph, it shall be fined, and the directly responsible person in charge and other directly responsible personnel shall be punished in accordance with the provisions of the preceding paragraph.

3. What is the crime of stealing other people's mobile phone information loans?

The loan requires the consent of the person and the guarantor, and information alone is not enough for the loan.

4. What is the crime of borrowing the reputation of others?

Fraudulent use of someone else's ID card for loan is a contract crime. Contract crime refers to the act of defrauding the parties' property for the purpose of illegal possession in the process of signing and performing the contract, with a large amount. Its constituent elements:

1. The object of this crime: the state's management order of economic contracts and the ownership of public and private property. The object is public and private property.

2. Subject: it can be an individual or a company.

3. Objectively speaking, in the process of signing and performing a contract, it is relatively large to defraud the other party's property by fictional facts or concealing the truth.

4. Subjectively, it is direct and intentional, with the purpose of illegally possessing the property of the other party. Punishment: Article 266 of the Criminal Law stipulates that a large amount of public or private property shall be sentenced to fixed-term imprisonment of not more than three years, criminal detention or public surveillance, and shall also or only be fined; If the amount is huge or there are other serious circumstances, he shall be sentenced to fixed-term imprisonment of not less than three years but not more than ten years and shall also be fined; 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 and shall also be fined or confiscated. Where there are other provisions in this Law, such provisions shall prevail.