You can't borrow money online with your ID photo.

1. Peer-to-peer lending refers to direct lending between individuals through the Internet, which is characterized by low threshold, fast lending and simple operation. It adopts the big data risk control mode, conducts user pre-audit and screening for financial institutions, and recommends high-quality users for banks, which greatly reduces the difficulty and workload of banks in auditing the credit status of SME users. Let's share its application process with you today.

Second, the process of applying for online loans Applying for online loans is actually not to apply for many online loans at once, so on average, the application rate is not very high. The correct way should be to apply slowly one by one, and then apply for the next one when the last one has the result. Sometimes, every application may not be approved. If it is not approved, summarize the reasons, and what are the specific areas that do not meet the loan (how to quickly approve the loan? ) standard, and then adjust the strategy to apply for the next one.

If you are rejected, check your application materials first and think about possible problems. Apply for online loan A first, and if it is rejected, see at which step it was rejected, and then carefully check the information involved in that step to pick out possible problems and see if there is room for optimization; Next, after the optimization is completed, apply for online loan B, so your success rate will be greatly improved. Of course, the choice of online loans is very important, and it is also important to choose a reliable one that suits you. Generally speaking, it is very important for everyone to operate a large platform and a stable platform first. The old and the new choose the old first, because the old has experienced the precipitation of time, and the open area has also increased. The new is generally unstable and the down payment rate is low. Therefore, the order is very important.

Third, matters needing attention in applying for online loans

(1) Mobile phone number and address book When submitting a loan application to any loan company, you need to provide your own mobile phone number so as to get in touch with the applicant at a specific time.

It goes without saying that the mobile phone number must be real name and must be authenticated by my real name. If there is no real name, it is best to handle it in real-name registration system; In addition, the longer the mobile phone number is used, the better it is to apply for a loan.

2. Can I get a loan with my ID photo?

You can't get a loan just by taking a photo of your ID card. It takes a lot of formalities to get a loan, and you also need to verify your ID card. The situation you mentioned is basically impossible. Don't worry.

3. Can I get a loan just by my ID photo?

I can't. At present, online loans only have ID card photos and cannot be loaned. Now online lending, online lending needs your real name, authentication phone number, photo of your ID card and bank card information to make a loan.

In the loan application stage, we should not only consider the use and general process of funds, but also consider personal identity, income and other detailed information. Personal loans can only be pledged in kind and valuable securities. When handling the loan procedures, you need to go to the bank and fill in the loan information in the bank supervision area.

First, apply for personal loans.

1. Having reached the age of 25 and having a permanent residence or a valid residence permit in China.

Second, having a fixed occupation or a stable income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Second, the risk of online lending:

The virtual nature of 1. online transactions makes it impossible to verify both borrowers and borrowers and breach of contract.

2. In a large amount of lender information published on online platforms, many loans are "loan companies". In fact, only financial institutions approved by the state can engage in financial business such as credit financing, and should bear legal responsibility on the grounds of "illegally absorbing deposits" and disturbing the order of financial management.

3. If loans are issued on behalf of the network platform, when the network platform ignores self-discipline, there will be cases of fabricating loan information and illegally raising funds.

Three, the general conditions required for online loans include:

1. The applicant is between 18 and 60 years old and has full capacity for civil conduct.

2. The applicant's personal credit is good and there is no bad overdue record.

Applicants need to have a job with a stable monthly income.

4. Applicants need to have a mobile phone number.

5. The applicant needs the bank statement of the bank card.

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Four, car loans can be directly taken to the car dealership with ID photos? What other formalities do you need to go through?

No need. Preparation materials for loan to buy a car: personal loan application; Personal valid identity document. Including identity cards, household registration books, military officers' cards, passports, and travel passes for compatriots from Hong Kong, Macao and Taiwan.

If the borrower is married, the identity certificate of the spouse shall be provided; Household registration certificate or long-term residence certificate; Personal income certificate, and provide family income or property certificate when necessary; Certificate of intention to buy a car issued by the car dealer; Loan to buy a car down payment certificate; If the purchased vehicle is secured by other means than mortgage, relevant materials of the guarantee shall be provided, including the pledge certificate of rights, the ownership and evaluation certificate of mortgaged real estate, and the letter of intent for third-party guarantee, etc. ;

If the vehicle purchased by the loan is a commercial vehicle, it is also necessary to provide proof that the purchased vehicle can be legally used for operation, such as the attachment agreement and lease agreement for the vehicle to be attached to the transport fleet;

The vehicle purchased by the loan is a second-hand car, and it is also necessary to provide a certificate of intention to buy a car and a vehicle evaluation report issued by an evaluation agency recognized by the Construction Bank; Vehicle ownership certificate of vehicle seller, motor vehicle registration certificate of trading vehicle, annual inspection certificate of vehicle, etc.