It is impossible to get a loan only by relying on the mobile phone number, but it is essential when applying for a loan. No matter what kind of loan you apply for, you must submit valid personal information and mobile phone number, which will be reviewed when you apply for a loan. Only when the borrower is audited can the loan be obtained.

At present, many online lending platforms require borrowers to submit personal real-name authentication mobile phone numbers when handling loans. Individual platforms also stipulate the service life of the mobile phone number, and you can apply for a loan only after it is met. However, when borrowing from online lending platforms, it is best to compare loans from different platforms.

It is best for borrowers to measure their repayment ability when handling loans, and determine the personal loan amount according to their repayment ability, so that there will be no overdue repayment after borrowing. After the online lending platform loans overdue, the platform will collect money, and individual platforms will also explode the address book.

The loan amount of online loans is not very high, so there is no need to pay it back on the repayment date. Even if it is difficult to repay, you can call the online loan platform and ask if you can postpone the repayment. In real life, many platforms will agree. If the online lending platform does not promise to postpone repayment, you can borrow money from friends to repay.

Can I get a loan just by my mobile phone number?

You can't apply for a loan just by your mobile phone number. To apply for a loan through the online lending platform, at least you need to provide personal basic information such as ID card, contact information and bank card. Some online lending platforms with strict audit conditions also need to inquire about the borrower's credit report, provident fund payment and other information.

To apply for a loan in a bank, you need to provide more detailed information, including ID card, household registration book, work certificate, salary income certificate, marital status certificate, assets certificate, etc. In addition, the bank will strictly examine the borrower's credit status. If the borrower has a bad record in the credit report, the loan application in the bank is more likely to be rejected.

Is it true that the mobile phone number can be loaned?

It is impossible to apply for a loan just by mobile phone number;

If you apply for less than 50,000 yuan, you can log in to our mobile banking first, click "My"-"All"-"I want to borrow money" to try to apply through this interface, or apply for a loan through a credit card; Log in to Pocket Life, click Card Finance-Reserve Fund-Apply Now below, and try to apply for reserve fund here, depending on the audit results.

Can I really borrow money from my mobile phone number? It's not as simple as you think.

After the ID card loan, I now have a mobile phone number to borrow money. When I wrote the ID card loan, I made it clear that it is impossible to borrow money only by ID card. Is it true that you can borrow money from your mobile phone number? Let's analyze the feasibility of borrowing money by mobile phone number from offline and online ways.

Borrowing money offline

Offline loans generally refer to banks and private lending institutions. Bank loans are more reliable and have the lowest interest, while private loans are faster. Mobile phone number is required for offline loans. In addition, some other information must be provided before the loan can be issued. There is little difference between the requirements of the two, mainly including the following aspects:

1, valid ID card, marriage certificate (unmarried certificate or single certificate is required) and personal credit report of myself and my spouse;

2. Proof of address, such as residence permit, household registration book, water and electricity bills, property management fee documents, etc.

3. proof of income. The general bank will require the borrower to provide proof of salary flow or labor contract for nearly six months.

4. Borrowers who apply for personal mortgage loans also need to provide relevant guarantee certificates, such as real estate licenses and housing transaction contracts.

Borrowing money online

Borrowing money online is also a very popular fast loan method such as mobile APP loan and micro-credit. So can the online loan mobile phone number really borrow money? Let's see what the conditions are. Each platform has different requirements for online loans, but the threshold is generally not high. The following are some common situations, and meeting three requirements should be almost enough.

1, ID card and other personal information. This is the basic option that every loan platform needs;

2, mobile phone real-name authentication, mobile phone operator authorization, which is also available on almost all platforms;

3. authorize sesame credit to see if your sesame powder has reached the standard;

4. Personal basic information, including occupation, monthly income, education, marital status and other information;

5, emergency contact number, some platforms leave one is enough, and some will ask for more.

Comments: From the above analysis, it can be seen that both offline loans and online loans have certain requirements for borrowers, especially loans that need to be signed offline. It is impossible to borrow money only by mobile phone number. If someone tells you that you can borrow money by providing your mobile phone number, it's probably a scam. You'd better stop thinking like this.

Can I get a loan with my mobile phone number?

You can't apply for a loan simply by relying on your mobile phone number. Other materials are required to apply for bank loans. If you make a loan on the online lending platform, at least you need to submit personal valid identity information. Most of the platforms that can borrow money simply through the mobile phone number are informal platforms, so be careful not to be fooled.

To apply for a loan in a bank, the borrower needs to be at least 18 years old, have a stable job and be able to repay the loan on time. The borrower also needs to submit the bank flow in the last 6 months, and the personal credit information is good; The above points are the basic conditions for handling all kinds of loans, and finally submit other conditions stipulated by the bank.

The general process of bank loans:

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2. After receiving the application form at the counter and filling it out, submit the form together with the materials. When the bank accepts it, it will review it according to the information provided by the customer.

As soon as the audit result comes out, the bank will inform the customer. If approved, the loan amount will be approved.

4. Customers who have received the notice of approval shall sign the loan contract at the outlet within the agreed time and go through the relevant formalities (such as mortgage loan needs to be registered as collateral).

5. Banks issue loan funds.

When borrowers borrow money on online lending platforms, it is best to compare different platforms, so that they can understand the loan amount and interest rate, and then choose the most cost-effective one. When borrowing money, users should think about the repayment plan in advance to prevent the later repayment from being delayed.

Users can't repay on time after borrowing through online lending platform, which will result in penalty interest. If they don't repay for a long time, it will also affect the borrower's credit information. At present, most online lending platforms have access to credit information. The overdue records of the online lending platform will also be uploaded to the credit information center, which will have a negative impact on personal credit information, and it will be more difficult to apply for loans again in the future.

Is the mobile phone number loan true?

Really, but don't borrow money, because if the repayment time is not up, the interest will be high.

What are the hazards of online lending?

Compared with the traditional loan method, online loan is completely. Moreover, the central bank has repeatedly made it clear that the annual compound interest rate exceeds 4 times the bank interest rate and is not protected by law. It also increases the high risk of online lending (generally 7 times or even higher than the bank interest rate).

credit risk

The inherent capital of online lending platform is small, so it can't undertake large amount of guarantee. Once there is a large loan problem, it is difficult to solve it. Moreover, some borrowers also make loans for the purpose of fraudulent loans, while the founders of the loan platform have some ulterior motives, and cases of absconding with money also occur frequently.

Lack of effective supervision means

Because online lending is a new financing method, the central bank and the China Banking Regulatory Commission have no clear laws and regulations to guide online lending. For online loans, the regulatory authorities are mainly neutral, do not violate the rules, and do not recognize them. However, with the prevalence of online lending, it is believed that relevant measures will be formulated and implemented in time.

This is the end of the introduction about whether borrowing money with mobile phone number is true and whether borrowing money with mobile phone number is true and safe. I wonder if you have found the information you need?