The account cannot be loaned. The household registration book or ID card is only the basic information needed for loans, but users can apply for unsecured loans. Unsecured loan, also known as unsecured loan, means that when applying for a personal credit loan, you can apply for a loan from a bank without mortgage, just by using ID card, personal income certificate, permanent residence certificate and other materials. The bank issues loans according to your personal credit status. The interest of this kind of loan is generally slightly higher than that of mortgage loan. Users can choose the loan term according to their personal situation and then sign a contract with the bank. The above is the account number. Can I get a loan? How much related content can I borrow at most?

Conditions of unsecured loans

1. Stable income: you need to provide relative bank flow as proof, that is, users need to swipe their cards, and the monthly income in recent months cannot be less than 2,000 RMB (different banks have different regulations); If it is a corporate company, it can also provide public accounts in recent months;

2. Having lived and worked in the local area for 6 months: it is necessary to provide a random list of water and electricity expenses in the last few months as proof, and require the enterprise to issue a certificate of work unit, which needs to be a formal employee who has passed the internship period;

3. Personal credit record is good: that is, bank credit cards cannot have overdue records, no more than 2 overdue loans in recent months, no more than 3 overdue loans in the last year, and no more than 60 days overdue loans. At the same time, if there is a loan record, there can also be overdue records. If the user has never used a bank credit card, he can also apply for an unsecured loan.

Can minors get loans?

Minors are not allowed to borrow money. People under 18 are not allowed to borrow money, and ordinary banks and reliable financial institutions strictly abide by the regulations. The object of bank loans is adults with full civil capacity, so children under 18 cannot buy bank loans. For parents, if the overall economic strength is not very strong, there is no need to choose loans for children under 18 to buy a house, because in this case, parents and children will become buyers together, and children under 18 will bear the obligation of repayment together. This article is mainly about whether an account can be loaned. How many related knowledge points can I borrow at most? The content is for reference only.