First, it is not allowed to borrow money only by using someone else's ID card.

According to the current situation, under normal circumstances, there is only one ID card, so it is impossible to apply for a loan line. However, it can't be said that you can't borrow someone else's ID card. At present, some people can make some fake loan materials through some methods, and then apply for loans with fake loan materials and borrowed identities. This will be seriously affected by the identity card itself. On the one hand, it will become the debtor of the loan, on the other hand, if the loan is not repaid, it will also affect your personal credit information.

Identity card is very important, don't lend others a loan easily. In daily life, it should also be properly kept, once lost, it will cause great risks.

Therefore, if you want to apply for a loan, but your ID card is lost, the borrower can consider using other methods to apply for a loan, or you can use temporary id card to apply for a loan. The details need to be consulted by the borrower in advance.

Needless to say, traditional bank loans need to be photographed and then compared with the photos on the ID card. If the photo of the ID card is not the same person, then the related business cannot be handled.

The new ID card loan has online authentication, although there is no offline authentication. For example, a quick loan. It requires the loan applicant to take a photo with the ID card, and requires that the ID card number is unique and valid. If these cannot be met, the verification cannot be completed and the loan amount can not be obtained.

Although you can't borrow money with someone else's ID card, you can ask someone else to be a guarantor. For example, some banks accept teachers, civil servants and other professionals as guarantors, so they can also lend money.

Second, personal loan conditions

1. A citizen of China who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;

2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;

3. Have a good credit record and willingness to repay, and have no bad credit record;

4. Being able to provide legal, effective and reliable guarantee recognized by the bank;

5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;

6. Open a personal settlement account in China Industrial and Commercial Bank;

7. Other conditions stipulated by the bank.

Can I borrow money online without an ID card?

You can't. Now, online loans must upload photos of the front and back of the ID card, and it is possible to get a loan after verifying the consistency of the ID card. Moreover, no matter where you borrow money, you need at least another proof document besides your ID card. The ID card is only the necessary material for the loan, and the most important thing is to provide proof of income to prove that you meet the loan conditions. Interim Measures for the Administration of Personal Loans Article 11 Interim Measures for the Administration of Personal Loans Article 14

Can't my ID card be loaned online?

According to the relevant laws and regulations on loans, loans can only be made by myself or the power of attorney signed by me, otherwise the loan contract will have no legal effect. Usually, online loans on formal platforms need real-name authentication to ensure that lenders and authenticators are the same, otherwise they cannot pass the audit.

Legal basis:

Interim Measures for the Administration of Personal Loans

Article 11 An individual loan application shall meet the following conditions:

(a) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Article 14 The loan investigation includes but is not limited to the following contents: (1) Basic information of the borrower; (2) the income of the borrower; ③ loan purpose; The repayment source, repayment ability and repayment method of the borrower; (5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral and liquidity.