What should I do if my household register and ID card are used for loans by others?
You can go through the bank, because the bank does not have strict review and implementation procedures during the loan process. First of all, the loan application now requires real-name verification, personal signature and facial recognition, etc. However, the bank staff applied for loans for others without the signature of the household registration book and ID card. This is not in compliance with the procedures, so I say that the bank must bear this responsibility.
Can I get a loan with my ID card and household registration book?
Can I get a loan with my ID card and household registration book?
Can I get a loan with just my ID card or household registration book? If you can't pay, you need to have a certain amount of income and credit to apply for a loan or credit card.
Conditions for personal loan application:
1. Aged 18 to 60 years old.
2. Good personal credit record.
3. Have a legal job and stable income (monthly income is at least twice the monthly payment).
4. Personal debt is small.
5. Have assets as collateral.
Can I get a loan with my ID card and household registration book?
I cannot apply for a loan if I have a photocopy of my ID card and household registration book. To apply for a loan, I must have the original ID card and household registration book, and only a photocopy Loans cannot be applied for. For general loan applications, the following materials are required: 1. The original and photocopy of the borrower's valid identity document; 2. Documents proving local permanent residence or valid residence status; 3. Documents proving the borrower's loan repayment ability. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, and insurance policy. 4. The borrower obtains the pledge rights, mortgage list and ownership certification files required for the pledge and mortgage amount, and the written file of the owner and the owner of the property agreeing to the pledge and mortgage. 5. The borrower obtains the written file of the guarantor’s agreement to provide guarantee required for the guarantee amount. 6. Credit certification materials of the guarantor. 7. An evaluation report on the collateral issued by a socially recognized evaluation department. 8. Other files and information required by the bank.
Can I get a loan with my ID card and household registration book?
Hello, it is difficult to apply for a loan with just your ID card and household registration. You need to have collateral to easily apply for a loan, or be a guarantor.
You need to have proof of income, or asset mortgage, or a capable financial guarantor.
If you want to buy a house, the developer can provide you with a loan and use the house you buy as a mortgage.
ID card and household registration booklet are only a necessary condition for a loan, not all conditions. , all conditions depend on how much you borrow and what your own conditions are. You can learn more about this on the Sanjiu Financial Services website.
Can I get a loan with my ID card and household registration book?
Hello. Only ID card and account book are not acceptable
To apply for a bank loan, you need to prepare the following documents:
1. Valid ID document;
2. Permanent residence certificate or valid residence certificate , and proof of fixed residence;
3. Proof of marital status;
4. Bank statement;
5. Proof of income or personal asset status;
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6. Credit report;
7. Loan usage plan or declaration;
8. Other information required by the bank.
The above answers are provided by Ronglian Weiye, please refer to them.
Can I get a loan by adding a temporary ID card and a household registration book?
If a temporary ID card cannot apply for a loan temporarily, the original ID card and household registration book are one of the necessary documents required to apply for a loan. But you also need to provide some other documents at the same time.
The applicant must be a natural person who is over 18 years old and within 65 years old (inclusive) with full capacity for civil conduct;
2. Have a permanent urban residence or valid residence status, That is to say, the borrower is required to have a legal identity;
3. Have a stable career and income, good credit, and the ability to repay the principal and interest of the loan;
4. Some banks will require applicants Have applied for a credit card or loan from this bank and have a good credit record;
5. Other conditions that the bank needs to meet.
Information required to apply for a loan:
1. Original and photocopy of personal identity document, household registration book;
Spouse’s ID card, original and photocopy of household registration book (provided when the borrower and his spouse do not have the same household registration book);
If there is a guarantor, the original and photocopy of the guarantor’s identity document and household registration book;
If the household registration is not in this city The borrower must provide proof of legal residence;
2. Proof of residential address (household register, etc.);
3. Proof of income or employment certificate;
4. Proof of income of the loan applicant and his family members;
5. Proof of ownership of the collateral (certificate of the property to be mortgaged, original copy of the pledge, etc.).
6. Other information required by the bank.
Loan application process:
1. The borrower submits written loan application materials. The application materials submitted include ID card, household registration book, personal income certificate and other relevant information required by the bank. Application information.
2. The bank will audit and investigate the submitted application materials;
3. After the bank audit and investigation are passed, the lender and the borrower will sign a loan contract;
4. The bank lends and the applicant uses the loan;
5. The borrower repays the loan on time according to the contract;
6. Settlement of the loan.
Can a person without an ID card get a loan with a household registration book?
Depending on the situation, an ID card is generally required. Only a household registration book cannot be used for mortgage loans.
Can I get a loan if my friend uses my ID card to get a loan?
If my friend uses my ID card to get a loan and doesn’t repay the loan, if the bank can’t find the real lender, it can only It is done according to legal procedures. It is someone's name on the contract, who will repay the loan. If the loan cannot be repaid in time, the bank will suspend all the borrower's banking business and use the deposit in the borrower's bank card to repay the loan. If the deposit cannot be repaid, To offset the borrowed items, the bank has the right to apply for enforcement, mortgage or auction the borrower's finances to repay the loan, and include the borrower on the banking system's blacklist, affecting credit ratings.
The borrower must first find the person who holds his/her ID card, ask him/her to repay the bank loan, and write out supporting documents and submit them to the bank to prove that the borrower has no direct relationship with this loan, and require the bank to repay the loan. The borrower is removed from the bank's blacklist system and all the borrower's business is unfrozen. If the person who took your ID card refuses to repay or hides it, you can send him to the bank and it will be solved.
What should I do if the other party steals my household registration book and ID card and goes to the bank for a loan
What should I do if the other party steals my household registration book and ID card and goes to the bank for a loan
To apply for a loan, you need to go to the bank to sign a contract in person, and others cannot use your ID card to apply for a loan. If this happens, both you and the bank are responsible.
Someone uses my ID card and household registration book to apply for a loan. If the bank applies for it for him, what should the bank pursue?
If it cannot handle it, I need to go to the bank to apply for a loan in person. If you come forward and apply for it, it will be invalid.
What should I do if my boyfriend wants to borrow my ID card and account book to get a bank loan?
Well, it’s hard to say. 1. Use your ID card and household registration to apply for a loan, that means you are borrowing money, that is, you are borrowing money directly from a bank or private person (it requires your signature to be valid), and the borrowed money is not for your own use (the guarantee is not much different. ); two, of course you have to repay the money you borrowed; three, if your boyfriend’s friend is doing well in business...
How to get a bank loan? You only need an ID card and a household registration book for a small loan
It’s not easy for you to get a loan
If you go to the bank for a loan of RMB 60,000, what kind of proof do you need? Can you get it with just your ID card and household registration book?
Going to the bank for a loan requires a mortgage.
If you take out a loan online, risk warning: Those loans that ask you to pay upfront or pay the first month’s interest are all scammers. Be careful, they won’t give you money after you pay. As long as the money is not credited to your card, anyone who wants to borrow money for packaging, pay the first month's interest, and hand over verification funds to collect your money is a scammer! Anyone who asks you to pay money first is more than 100% here to defraud you of your money. After you give him the money, you can no longer contact him by phone, QQ, or WeChat.
Therefore, anyone who asks you to transfer money before the money arrives is a scammer!
Can I get a loan of 2,000 yuan from a bank with my ID card and household registration book?
It is impossible to get a loan in a bank with only my ID card and household registration book.
< p> Credit companies can, you can ask the local credit companyMy son takes his parents' account book to the bank for a loan. What if he doesn't have to repay the debt?
The borrower needs to pay back the parents. ,
If the borrower fails to repay the bank loan on time, the banking institution will take the following measures:
1. The bank will call the borrower to collect the debt.
2. If the borrower still fails to repay the loan after debt collection, a certain amount of penalty interest will be incurred and a bad credit record will be created for himself.
3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect the debt in person.
4. If the borrower still does not repay the loan until the end, the bank will take legal measures to protect the bank's own rights and interests through the law. If the borrower applies for a mortgage loan, the collateral will be An auction is held and the proceeds from the auction are used to repay the loan.
When going to a bank for a loan, can you only provide your ID card and household registration book?
Generally, it is very difficult to apply for a loan if you only provide your ID card and household registration book! To apply for a bank loan, you need to prepare documents: ID card, household register, marriage status certificate, income certificate, academic certificate, bank statements, and a copy of the printing license of your unit. Proof of address!
No, you must have something as collateral and a guarantor
What should I do if my boss wants my household registration book and ID card for a loan?
Be cautious!
Danger signal!
You only need to show your household registration book and ID card. If you cannot keep them, don't give them to him even if they are photocopies.
Is it illegal for someone else to use my ID card to get a loan? Is it illegal for someone to use my ID card to get a loan?
If someone else uses their own ID card to get a loan, although it is the name of the party concerned, as long as the party concerned is not present to sign, the loan has nothing to do with the party concerned, and the party concerned does not need to bear any consequences. If you find that your ID card has been used by someone else to get a loan, you should call the police immediately and call the loan company to tell them that the loan was not made by you. In addition to identity information, a loan generally requires a loan contract, which requires the signature and credit of the lender. The fingerprint can be authenticated to determine whether it was signed by the person concerned. Stealing someone else's ID card or using someone else's ID card to make a loan is an illegal and criminal act and will be punished by law. Legal basis: Article 110 of the Civil Code states that natural persons enjoy the rights to life, body, health, name, portrait, reputation, honor, privacy, freedom of marriage and other rights. Legal persons and unincorporated organizations enjoy the right to name, reputation and honor. Article 111: Personal information of natural persons is protected by law. Any organization or individual that needs to obtain other people's personal information must obtain it in accordance with the law and ensure the security of the information. It must not illegally collect, use, process, or transmit other people's personal information, and must not illegally buy, sell, provide, or disclose other people's personal information. According to the "Resident Identity Card Law of the People's Republic of China", it is illegal to use other people's resident identity cards illegally, and will be fined not less than 200 yuan but not more than 1,000 yuan, or detained for not more than ten days. If there is any illegal income, , confiscation of illegal gains.
What should I do if I lose my ID card and someone else uses it for a loan?
What should I do if I lose my ID card and someone else uses it for a loan?
You Report the loss as soon as possible, the sooner the better. In addition, you must communicate with the bank in time. It is best to prevent the loan. If the bank has already loaned out the loan, you must also communicate with the bank to see what to do.
< p> What should I do if I lose my ID card and someone else takes it for a loanIsn’t it possible? You can’t get a loan just by relying on an ID card. So many people have lost their ID cards, isn’t it okay?
I lost my ID card and household register, what should I do if someone else takes it for a loan?
Hello, it is recommended that you go to the police station where you are registered in time to apply for reporting the loss of your ID card, otherwise other people’s loans will be lost. You need to pay it off!
My ID card and bank card are lost, what should I do if someone else uses them for a loan?
After a citizen loses his or her ID card, if the resident ID card is used fraudulently by others, the impersonator shall immediately The review department shall bear corresponding legal responsibilities, and those who lose their documents will not be held responsible.
If a personal ID card is stolen and results in a bad credit record, the party concerned can appeal if there is sufficient basis and the decision will be made.
The final ruling was that the client indeed had a bad credit record caused by theft of his ID card, and the client’s bad credit record could eventually be eliminated in the bank’s credit reporting system.
2. If the party concerned has no reasonable basis to prove that his bad credit record is caused by the theft of his ID card, he will need to bear the corresponding legal consequences.
On the one hand, you need to pay off the debt, and at the same time, if you want to eliminate the bad credit record, you can only cover the original credit record with a new credit record.
3. The maximum period of retention of personal bad credit records is five years. The party concerned must maintain a good credit record within five years from the date of default, and after five years, the bad credit record can be eliminated. If necessary, it can be resolved through legal means.
If I lose my ID card and someone picks it up, will it be used for a loan?
Go to the police station to report the loss of your ID card
The police station will list your ID card Out of control document
It is the bank's mistake to accept this ID card to issue loans
The bank bears responsibility
It has nothing to do with you
My identity What should I do if my ID card has been used by someone else to get a loan?
If your ID card has been used fraudulently and also used for a loan, you should report it to the public security bureau immediately.
Otherwise, the loan may be charged to you in the future.
After reporting the crime to the public security organ and preparing a case, you can at least be exempted from responsibility.
What should I do if I lose my ID card and someone else uses it for a loan to buy a car
1. When answering questions from netizens, the Ministry of Public Security made it clear: After a citizen loses his or her ID card, there is no need to report the loss and Announcement in the newspaper. If the resident ID card is lost and used by others, the unauthorized user and the review department shall bear corresponding legal responsibilities, and the person who lost the ID card does not need to bear any responsibility. 2. To sum up, if your ID card is lost, you are not at fault for using it fraudulently. There is no need to...
What should I do if my ID card is used for a loan by someone else?
1 If someone uses your ID card to repay the loan, you will not go to jail.
2. If someone else uses your ID card to get a loan, although it is in your name, as long as you are not present to sign, the loan has nothing to do with you.
3. According to Article 32 of the "Contract Law", if the parties conclude a contract in the form of a contract, the contract is established when both parties sign or seal it.
The signature must be my own signature or fingerprint. If you sign on behalf of someone else, you must have a notarized power of attorney.
4. If it is your signature or fingerprint, you are the debtor. Or there is evidence that part or all of the loan funds are actually used by you, and you should bear the obligation to repay. If the repayment is not done as scheduled, the bank can enforce the loan.
You can’t get a loan with your ID card, and you can call the police directly.
1. Most of the ID loans currently understood are credit loans, that is, you can get a loan without a mortgage, but it does not mean that you can get a loan with just your ID card. You need to have a certain income certificate. , stable job, more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers, managers, etc. Your ID card is only a necessary material for a loan. The most important thing is to provide proof of income to prove that you are suitable for a credit loan.
2. Currently, there is no loan product that can be obtained with just an ID card. No matter what kind of loan, in addition to the ID card, at least one other supporting information is required. The ID card is just an indispensable item during the loan process. In addition, never pay any fees before the loan is received to prevent being cheated.
If I lose my ID card and someone else finds it, can I use it for a loan?
There is a possibility that the ID card may be used fraudulently, but I don’t have to bear any responsibility.
The Ministry of Public Security’s comprehensive response to issues related to the replacement of lost resident identity cards pointed out: The resident identity card is a legal identity document for citizens, and its main function is to prove the identity of citizens when engaging in relevant activities. When citizens use resident ID cards to prove their identity, the relevant document-using departments have the obligation to check the consistency of the person and the certificate. Only after confirmation is correct can the relevant business be handled for the holder. If a resident ID card is lost and used fraudulently by others, the impersonator and relevant departments shall bear corresponding legal responsibilities. The person who lost the ID card does not need to be held responsible for actions he or she did not commit. The "Resident Identity Card Law" also clearly stipulates that anyone who fraudulently uses another person's resident identity card will be fined not less than 200 yuan but not more than 1,000 yuan by the public security organs, or detained for not more than ten days. If there is any illegal income, the illegal income will be confiscated.
That’s it for the introduction of loans for ID cards and household registers.