Yes, but we need other information.

When handling bank loans, the ID card is one of the most basic documents, but the ID card can only be the borrower's ID card, which can avoid the occurrence of counterfeit loans and does not play a big role in bank loans, so if the borrower only provides the ID card, it is impossible to withdraw money from the bank.

After all, besides confirming that the bank loan is my own loan, we also need to know the borrower's credit status and repayment ability, so as to evaluate the borrower's loan risk.

In order to avoid the bad debt rate, banks will not issue loans to high-risk borrowers.

The reasons for the failure of the loan with ID card only are as follows:

1, insufficient credit conditions: when the borrower applies for a loan from the bank, the bank needs to conduct a comprehensive evaluation and review, such as whether the borrower has serious bad behavior or is currently overdue; Or because there is no stable work income, the personal debt ratio is too high, and the repayment ability is not good, so it is impossible to successfully borrow from the bank.

2. Incomplete loan application materials: for example, only providing ID cards is definitely not acceptable. According to the types of loans handled by borrowers, the application channels are different, and the loan application materials are also different, such as income certificates, work certificates and other materials are indispensable. If it is a mortgage loan, you need to provide proof of property rights of the collateral and so on.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and loans should not go wrong.

Can I get a loan for my ID card?

Yes, as long as the following conditions are met:

1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

5. Other conditions stipulated by the bank.

Application procedure

1. Signing subscription book: The customer signs subscription book with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company.

2. Application: The customer goes to the law firm entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents.

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged.

4. Other legal procedures: the law firm handles insurance, notarization and mortgage registration of collateral.

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

Extended data:

The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1, daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.

Banks can use product interest method and transaction interest method to calculate interest:

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

(1) If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal × year (month )× year (month) interest rate.

(2) If the interest period has a whole year (month) and odd days, the interest formula is: interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

(3) Banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is: interest = principal × actual days × daily interest rate.

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently.