Bank cards can be used for loans, but only if they meet the conditions for loan application and the corresponding requirements for bank loans can they apply for loans.
When you get a loan, you need not only a bank card, but also an ID card. Therefore, if you only apply for a loan with someone else's bank card, it is not possible. If you go to a bank to apply for a loan, in addition to bank cards, ID cards and other related documents, users must also meet all the conditions of the loan product (such as good credit) before they can get a loan and may need a mortgage.
You can't get a loan with a bank card. To get a loan from a bank, you need to prepare the following materials:
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
You can't just apply for a loan with a bank card. Generally speaking, there are several ways to apply for a loan:
Method 1: mortgage loan, required materials: ID card, household registration book, marriage certificate, income certificate (nutrition certificate provided by legal person), bank flow, property right certificate and land certificate.
Method 2: enterprise credit loans needs to be a legal person with a business license and an operating entity, with a business license of more than one year, annual running water covering the loan amount, and assets such as houses and cars, which may reach the loan amount. Required information: ID card, household registration book, marriage certificate, nutrition certificate and bank account number. Real estate license and driving license as proof of assets.
Method 3: Personal credit loans, civil servants, employees of state-owned enterprises, ordinary enterprises, teachers and doctors. If there are assets to provide auxiliary assets such as houses and cars, the required information: ID card, household registration book, marriage certificate, income certificate, bank account, property certificate and driver's license.
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