Can I apply for online loans if someone else has my ID card photo?

If someone else has my ID card photo, I cannot apply for online loans.

Online loans also require the signature of the person and the person on the ID card.

Online lending is the abbreviation of online lending, including individual online lending and commercial online lending. P2P online lending refers to direct lending between individuals through the Internet platform. It is a subcategory within the Internet Finance (ITFIN) industry. The number of online lending platforms has grown rapidly in China in 2012. So far, there are about 350 active ones, and the total number as of the end of April 2015 was 3,054.

Attributes of online lending: Online lending is a bond investment with clear returns, and the lender of the funds obtains interest income; however, the public often confuses it with equity crowdfunding, which is an equity investment with flexible returns. Investors invest in companies to gain future income, such as Jingbei Crowdfunding and 36 Krypton, which are all equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, be fully aware of and mentally prepared to bear their own risks, and judge and bear the risks of the project on their own under this premise.

Online loan platforms have small inherent capital and cannot afford large guarantees. Once a large loan problem arises, it will be difficult to solve it. Moreover, some borrowers also take out loans for the purpose of defrauding, and some of the founders of loan platforms have more than simple purposes. Cases of escaping with money occur frequently.

Compared with traditional loan methods, online loans are completely unsecured loans. Moreover, the central bank has repeatedly made it clear that annual compound interest rates exceeding four times the bank interest rate are not protected by law. It also increases the high risk of online loans (generally 7 times or more than bank interest rates).

Article 683 of the "People's Republic of China and Civil Code" No legal person may serve as a guarantor, except for on-lending with the approval of the State Council for loans from foreign governments or international economic organizations.

Non-profit legal persons and unincorporated organizations for public welfare purposes are not allowed to be guarantors. Can someone else use my ID number to get an online loan?

If someone else knows your ID card information and has your mobile phone, it is possible that you can use your identity to get loans online.

When applying for a loan, the lending institution will generally check the personal identity information. If there is any problem with the personal identity, the lending institution will not process the loan. Once you provide your identity information to others, others can borrow money in your name. If you don't repay on time or even default on it, the lending institution will eventually come to you to repay it.

ID card loan does not mean that you can apply for a small credit loan with just an ID card, but it refers to applying for a small credit loan through various methods such as online and mobile phones, submitting ID card information and personal information, and relying on your credit A way to apply for a loan. In some informal lending institutions, it is completely possible to apply for a loan in your situation.

Extended information:

Basic procedures for applying for a mortgage loan

The procedure for applying for a personal comprehensive consumer loan is not complicated and generally involves the following steps:

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1. The borrower applies for a loan, and the law firm designated by the bank will conduct a preliminary review of the relevant information submitted by the loan applicant.

2. Lawyers assist borrowers in house appraisal, house mortgage registration, property insurance and other procedures.

3. The law firm issues a legal opinion and submits the borrower’s relevant information to the handling bank.

4. The handling bank will conduct loan review and issue a loan commitment letter to qualified loan applicants.

5. The borrower applicant should open a special account at the handling bank and sign the "Personal Comprehensive Consumption Loan Borrowing Contract" and "Personal Comprehensive Consumption Loan Mortgage Contract", and a lawyer will assist in handling house insurance and mortgage Register.

6. After obtaining the original property ownership certificate, the handling bank will transfer the loan amount to the borrower's designated account. Can someone use my ID card to get an online loan?

If someone else takes your ID card, you cannot apply for a loan online, because when applying for a loan, you need to verify your identity. At this time, there will be facial recognition and mobile phone verification, so even if this person takes your The ID card is useless. However, it is not recommended that you lend your ID card to others, because if others cannot repay the loan, you will be the responsible person.

1. Loans cannot be handled online

There are many online loan businesses now, and there are many various online loan platforms, but not all loan platforms are Formal. In fact, many online loan platforms are not formal, so everyone who handles loan business on such platforms will bear a lot of risks.

So it is not recommended that you handle loan business on such an informal platform, and you should not lend your ID card to others, and do not let others use your identity to handle loan business. To a large extent, this person is lying to you. If this person does not pay back the money in the future, you will be the one to pay back the money. So it will affect your whole life to a great extent. Therefore, everyone must not do such stupid things.

2. Do not use your own ID card to apply for loans to others

In fact, you must verify your identity when applying for loans. Even if the current online loan platform review procedures are not strict, it is still necessary. It uses face recognition and mobile phone verification, so even if this person has your ID card, he can't use your ID card to apply for a loan unless you are by his side. Moreover, the capital account must also match the ID card, so that it can pass the review.

However, it is not recommended that you use your own ID card to apply for online loans to others. To a large extent, the other party will not be able to repay the money. In this case, you will be the one who repays the money, which will definitely not be of any benefit to you. Even if this person is your relative, you cannot just apply for a loan for others.