Can't "in general, you can't borrow money just by your ID card. The materials needed for loans generally include loan application forms; The applicant's identity certificate and residence booklet; Proof of the applicant's marital status; Its credit report and bank flow; Personal financial status certificate and other materials. "
2. Can someone else use my ID card and the original bank account for a loan?
Of course.
Unsecured personal loans;
No guarantee-without any mortgage or guarantee, your credit is the best loan pass.
Quick loan-complete information, the fastest loan 1 day, and a unique remote approval mode, so that you can get unsecured loans only by visiting 1 time.
Long term-you can freely choose the repayment term 12 months, 24 months, 36 months, up to 3 years.
Widely used in-car purchase, decoration, tourism, further education, wedding, medical care and other unsecured loan purposes.
The loan amount is as high as 500,000 yuan, which can meet many consumer needs.
Basic regulations;
1. Loan target: China citizens aged 20 to 60 with full civil capacity.
2. Loan term: 48 installments at most.
3. Guarantee method: unsecured and unsecured credit loan.
4. Application materials to be provided:
(1) Original and photocopy of the borrower's valid identity certificate;
(2) local permanent residence or valid residence identity certificate
(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit.
(4) The borrower's real estate license and driving license (if not needed, the loan amount can be increased)
(5) Borrower's credit report (which can prove personal credit)
(6) The salary card is flowing (nearly 6 months)
(7) Loan repayment records in the last 3 months (if any)
(8) The expenses of water, electricity and gas in the last three months can prove the address.
Processing flow:
(1) requires an interview.
(2) Prepare the materials.
③ Come and fill out the application form.
(4) Submit for review.
(5) issuing loans.
⑥ Regular repayment
I only have ID card, work certificate and running water for two months. Can I get a loan with a monthly income of more than 2500 yuan?
1.
Proof of identity
profit and loss statement
Bank flow (usually 3 months, consult the bank)
Proof of residence
2. Mortgage loan
Subsidiary certificate
Proof of identity
household registration
Marriage certificate/single certificate
profit and loss statement
Proof of residence
Postal service,
4. Can someone use my ID card, work certificate and running loan?
Only the ID card and running water, the work certificate is not enough for the loan, and the loan needs to meet the following conditions: (1) full capacity for civil conduct, 18 years old with permanent residence of urban residents or legal and valid proof of residence; (2) pay the down payment; (3) have a stable legal income and the ability to repay interest; (4) When applying for loans, property buyers should have free funds of not less than 30% of the purchase price. (5) The borrower agrees to use the purchased house and its rights and interests as collateral; (6) The purchased second-hand houses have clear property rights and meet the requirements for entering the real estate market stipulated by the Beijing Municipal Government; (7) The purchased house is not within the scope of the announcement. (8) Other conditions required by the lending bank.