Bank cards can be used for loans, but there are certain requirements. If the borrower's bank flow fails to meet the requirements, he can provide a mortgage or guarantee that meets the requirements to handle the loan. At present, the most commonly used mortgage loan method is house mortgage loan, but the borrower who applies for this loan needs to provide: real estate license, valid identity certificate of himself and his spouse, marriage certificate; Proof of work and income; Real estate appraisal report; Authorized to dispose of the mortgaged property and the written certificate of consent to mortgage issued by other obligees, as well as other loan materials required by the lending institution. On the one hand, you can provide a large amount of your property or the deposit in the bank account at the same time. The purpose of the bank to do this is nothing more than to doubt the repayment ability of individuals. If you know that you have the ability to repay, they will give you a loan with confidence. Therefore, providing a running account is just a way to prove that you have the ability to repay, which is useless.

Second, can bank cards be used for online loans?

Bank cards can be used for loans.

It should be noted that when borrowers use bank cards for loans, they need not only bank cards but also ID cards. Therefore, in this case, the borrower must use his own bank card. If he takes someone else's bank card and his ID card doesn't match, he can't get a loan.

If a borrower applies for a loan at a bank with a credit card, he must meet all the conditions of the loan product (such as repayment ability) in addition to the bank card and ID card, before applying for a loan.

Can I get a running loan from the bank?

Bank running water and off-site wage running water can apply for loans, which must be audited by the bank;

First, general bank loans should have a stable job and a stable income;

Second, the loan must require its good credit information;

4. Can I get a loan only with my ID card and bank card?

To apply for a loan, you need to meet other conditions besides your ID card and running account.

Loan requirements:

1. The applicant must be a natural person with full capacity for civil conduct;

2. The borrower with urban permanent residence has legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. The bank's credit card or loan from the bank has a good credit record;

5, some also require the real estate as a mortgage or pledge, or the unit or individual as a guarantor to repay the principal and interest of the loan and bear joint liability.

Information required for loan:

1, borrower's identity certificate, marriage certificate and household registration book.

2. Proof of income and personal mobility

3, open * * * business statements, etc. (real estate license, driving license.

Extended data:

Loan classification

bank loan

According to different species, different types. For example:

1. According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;

2. According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;

3. Loans include industrial and commercial loans, agricultural loans, consumer loans and securities broker loans. ;

4. According to the different loan guarantee conditions, it can be divided into bill discount loans and credit loans.

5. According to the loan scale, it can be divided into wholesale loans and retail loans;

6. According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.

short-term loan

Short-term loans refer to loans with a loan term of 1 year (inclusive). Short-term loans are generally used for the liquidity needs of the borrower's production and operation.

The currencies of short-term loans include RMB and major convertible currencies of other countries and regions. The term of short-term working capital loans is generally about half a year, and the longest is no more than one year; Short-term loans can only be extended once, and the extension period cannot exceed the original period.

The loan interest rate is based on the interest rate policy formulated by the People's Bank of China and the floating range of the loan interest rate, depending on the nature, currency, use, method, term and risk of the loan, and the floating interest rate and fixed interest rate are implemented. The loan interest rate is indicated in the loan contract, which customers can check when applying for a loan. There is a penalty interest for overdue loans.

The advantage of short-term loans is stability. The disadvantage is that it cannot meet the long-term capital needs of enterprises. At the same time, because short-term loans use fixed interest rates, the interests of enterprises may be affected by interest rate fluctuations.