Is it true that you can get a loan just by your ID card?
Of course not.
Generally speaking, the ID card is only a necessary material to apply for a loan, but individuals need to submit income certificates, bank running water and other supporting materials if they want to succeed in the loan. Only when these materials meet the loan application conditions of the loan company can you get a loan, otherwise, you will be refused a loan.
In addition, regular lending institutions will not let you borrow money with only one ID card, so don't be naive about money!
Don't understand these "big truths"? Then we can use ordinary people's thinking to analyze:
The borrower only needs to show his ID card when applying for a loan, and the lending institution only gets the basic information on the ID card, but the credit record can't be found. Why should lending institutions take such a big risk to lend you money when they don't know the basic income certificate and credit history? It should be a liar! Better be careful!
Then use the liar's thinking to analyze:
What can the borrower's ID card do?
Cheating fee
First of all, regard customers as gods, without mortgage or guarantee. Borrow as much as you want, and pay back as much as you want to meet all the needs of customers. Then, when the customer is waiting for the loan with joy, tell him that he needs to pay the 300 yuan handling fee first, and then he can get the loan immediately.
Customers who are eager to get a large loan will not care about this little money at this critical moment, so they will gladly give the money to the lending institution, and it will be too late to find something wrong.
Deception information
First fool the borrower, get the ID card information and then "brainwash", saying that you only need an ID card to get a loan. In fact, all the required income certificates, credit records and other information were obtained in this process. Some people who don't know the rules are often cheated and don't know.
Moreover, even if the borrower finds something fishy, there is no ID card information! There is no loss at all!
Use the real information of customers to obtain loans.
Asking customers to provide ID cards is just a cover. The real purpose is actually to use their ID card information to get a loan and go to the bank to make a malicious overdraft. Not only that, identity information obtained by deception can also fetch a good price.
After reading the above analysis, will you believe the saying that "you can borrow money only with your ID card"? Nowadays, scammers have deep routines and various ways of cheating. Brother Yi reminds everyone not to fall into the trap set by the swindler because he is eager to use money.