In recent years, unsecured loan companies and companies have sprung up like mushrooms after rain, and various advertisements are all over the streets. In particular, people who are in urgent need of money will apply, but it is precisely in this way that some scammers will take advantage of it and create scams by means.
Especially in this era when everything is convenient and fast, borrowing money with ID card is a very popular way. Because everyone has an ID card, if you only have an ID card, you can get a loan, which means there is no threshold for a loan, and you can get a loan even if you don't have a job.
But are all these ways true?
I learned that it is true that you only need to use your ID card to get a loan.
At present, there are similar loopholes in the market, but there are many situations. Borrowers must keep their eyes open and choose reliable channels to lend before lending.
1, black households and white households can make a payment.
For some private lending products with extremely low thresholds, you can use your ID card to make loans. After all, the popularity is not high. Only by lowering the threshold can we attract more borrowers and charge interest.
The characteristic of this kind of loan is that anyone who has been overdue and has not done any loan business can apply for a loan, because the loan can be provided as long as the user needs it without checking the credit information, but the amount is relatively low and the interest is high. Most of them are small loans of 1000 yuan.
2. Informal microfinance
There are some channels in the market that claim that you can get a loan with your ID card. You can get a loan for anything without a house, a car or a job.
But as far as I know, many users have fallen into the "pit" because when applying for this kind of loan, the system will prompt that they have passed the examination and are waiting for the loan, and then there is no news. The money hasn't arrived for ten and a half months, which makes the borrowers waiting for it very worried. They are worried that they will suddenly get a loan here after applying for other loans, and they are afraid that it will be quite laborious to wait for a long time and draw water with a sieve.
There is another situation, that is, after borrowing money, it has been repaid on schedule, but the system prompts that it is still in arrears. Many borrowers are worried that their personal credit will be affected, and they don't know whether the repayment is successful.
There is something fishy behind the ID card loan.
Many private lending institutions will take advantage of the borrower's eagerness to use money and use the characteristics of low threshold, secondary payment and high quota of ID card loans to attract consumers. All users who submitted loan applications were rejected, and almost no one got the loan. They usually have several purposes:
Get ID information: Because you need to fill in your ID number, name and work situation when applying for a loan, some even ask you to upload a scanned copy and take a photo of your ID card. There are great hidden dangers when such information is transmitted to informal institutions.
Cheating fees: regular loans will not require fees before the next payment, not to mention ID card loans are credit loans and do not need any fees at all.
I have listed the following common centralized loan routines here. Be sure to keep your eyes open and don't fall into the pit.
0 1
interest-free loan
Deception index: ★★★★★
As the saying goes, greedy and cheap, big losses, zero down payment? Zero interest is great. Seize this opportunity, but don't know that you have fallen into the trap of others, hiding the high service fee and management fee interest to implement the scam. Originally, you only applied for a small loan, but the total interest rate was insanely high.
Interest-free loans are policy loans, which are government support projects for laid-off workers, veterans, college students or rural laborers in cities. If you obviously don't belong to these groups, the other party still promises to provide you with an interest-free loan, which is the trick of the liar 100%.
02
Only by ID card
Deception index: ★★★★★
Credit loan is indeed the lowest loan threshold, and the borrower needs to provide proof materials related to work income, and the credit record is good before it can be processed.
Imagine that anyone who promises a loan without any mortgage, except the people, is nothing more than a liar.
03
Pre-charge
Deception index: ★★★★★☆.
Let the borrower pay the deposit, handling fee and other expenses before issuing the loan! Or let you get a bank card and deposit some money in it!
Remind you again and again! These are definitely the actions of liars! Formal loan companies will not charge any fees before issuing loans.
04
Borrow, small loans forced to open
Deception index: ★★★★★★★
Lending treasure and micro-loan are both active invitation systems, and there is no application window. There have been many so-called help you forcibly open Alipay and micro-loans, which are not credible.
05
Loan teaching
Deception index: ★★★★★☆.
With the increase of loan platforms, some scammers are also full of tricks, and there are even loans to teach such things. You know, no matter how to teach, the credit is not good, and the loan can't come down!
In addition to the above-mentioned common loan scams, scammers will also use hidden loans, bank connections, low interest rates and other scams to trick borrowers into falling into the trap. Especially friends whose credit is tainted and in urgent need of money, don't rush to the hospital, beware of loan fraud.
How to prevent it?
0 1, on the regular platform
If you want to prevent fraud, you'd better go to a regular platform. The name of a formal loan company generally consists of "geographical name" and "company nature". The word ""can only be legally used if it has been audited by the Provincial Finance Office.
02, in the enterprise information online query its qualifications.
You can go to the enterprise information network to check whether the company is registered for the record. The business license of a regular small loan company must have words, only loans are not saved!
03, don't just click on the link.
You can't just click on the links you see on the Internet, because the unfamiliar links you just clicked are not unfamiliar to you. Even if you meet a link from someone you know, you'd better check it by phone before you click.
04, put an end to all kinds of unfair trading behavior.
For example, some small loan companies will clearly tell you that the loan is for help. In this case, don't go to your head and say yes, you will go to jail!
What if I get a loan for no reason?
In addition to many pitfalls in borrowing money with your ID card, it is also common for others to borrow money with your ID card. For example, these news: with your ID card information, you can get a loan without giving 200 yuan? The woman picked up a "look" ID card, posing as a loan to buy a mobile phone and overdrawn it! ID card loans overdue has been blacklisted for 50 times, making it difficult for women to buy a house. ......
Although it is convenient to borrow money with an ID card, it is one after another. Everyone has an ID card, which means that everyone's information is at risk of being fraudulently used. How to prevent this trap?
0 1, on the one hand, protect personal privacy information.
Identity cards, passports, etc. It is not advisable to lend it out, and the ID number should not be easily disclosed to others. When using a copy of your ID card, please indicate the words "This copy is for our business only" and sign your name and date.
02. Check the credit report regularly.
Individuals can check online for free, and those who have objections will be reported to the relevant banks in time and revised in time.
I need to say something to you.
To sum up, there is still a platform for lending with ID cards. The most important thing is to do more homework and study, and we must choose a formal platform.
Can I really get a loan with my ID card?
ID card loans are also acceptable. It belongs to personal identity card and is a kind of secured loan. Refers to the loan issued by the lender in accordance with the guarantee method stipulated in the Guarantee Law, and the third party promises to bear joint and several liabilities if the borrower fails to repay the principal and interest of the loan.
In fact, a guarantor guarantees the borrower, which is also a credit loan. However, there are two conditions for using the ID card for loan: the first is the ID card, which can be used to prove one's identity, and the second is that someone else must guarantee for oneself.
If you only have a copy of your ID card, or you can only provide proof of identity to the bank, you can't apply for a loan under normal circumstances. Because in addition to your identity certificate, you need to submit the borrower's stable income certificate or other solvency certificate issued by the competent department recognized by the handling bank to the bank.
But there are many such advertisements with ID cards on the Internet. As long as there is a provincial card for China citizens, it can be realized, but the interest rate is very high, which seems to be more than 30%. If you can't accept the high interest rate, don't go to the online loan. Moreover, ID cards are also risky, so it is better to be cautious.
To apply for a loan, you need the original ID card, income certificate and property certificate.
Loan application conditions:
Age requirements: domestic residents must be between 18-65 years old, and foreigners must be between 25-65 years old;
2. Job requirements: have a stable work unit, income and fixed residence;
3. Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65.
Single application materials:
1. Identification information:
Copy of resident identity card or military officer's card; If you are Hong Kong and Macao compatriots, you need to provide a copy of the mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.
2. Proof of work and income:
Salary certificate or business card and photo badge.
Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.