In daily life, it is not difficult to find advertisements such as unsecured and ID card loans by browsing websites such as financial information. Many users are thinking, can a small ID card really be loaned? So, what is a personal ID card microfinance?

ID card loan status:

First, you can get a loan only with your personal ID card. The popular microfinance in the market is based on your personal credit history and repayment ability. The lender will be required to provide relevant certification materials such as identity, residence and income.

As a legal identity symbol of residents, ID cards must be provided, but it is impossible to borrow money only by ID cards. Please be vigilant when lending!

Two, the responsibility of using other people's ID card loans

A resident identity card is a valid document to prove the identity of a resident, indicating "who am I". It can only be used by everyone, and it is not allowed to lend it to others at will, nor to use it for yourself. Banks or credit companies cannot identify individuals only by their resident ID cards. Where a loan is entrusted, a power of attorney shall be issued separately, indicating the entrusted matters, entrusted authority and scope. If someone fraudulently uses an ID card to apply for a loan, the ID card owner should bear the responsibility of not keeping the ID card well, and be punished according to the Regulations on Administrative Penalties for Public Security. However, if you use someone else's ID card to borrow money, you need to bear criminal responsibility such as malicious fraud.

Materials required for ID card loan:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.