Yes, there are too many online loans, and many of them don't need face verification. As long as your credit information is good, don't

Second, can I borrow money from someone else's account?

You can't. First of all, if you want to apply for online loans, you need photos of the front and back of your ID card, my face recognition verification, my mobile phone number and verification code in the real-name registration system, my bank card and other information. You can't apply for online loans only with your own account. It is illegal to apply for online loans with someone else's account.

Third, can I get a loan with someone else's ID card and account?

It is impossible to apply for a loan with someone else's ID card and household registration book. To apply for a loan, the borrower needs to bring relevant information to the bank for face-to-face signing. If the bank finds inconsistent information, it will directly refuse the loan.

Conditions for applying for loan business:

1. natural person with age 18-65;

2. The borrower's actual age plus the loan application period shall not exceed 70 years old;

3. Have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

4. Good credit information and no bad records;

5. Other conditions stipulated by the bank.

Materials to be prepared for the loan:

1. ID cards of both husband and wife of the borrower;

2. The borrower's household registration book/foreigner needs a temporary residence permit and household registration book;

3. Marriage certificate/divorce certificate or judgment/single certificate;

4. proof of income;

5. Academic certificate;

6. Bank flow;

7. Other attributes;

8. Copy of the business license of the unit (with official seal);

9. certificates of deposit, etc. ;

10. 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;

1 1. Other information required by the bank.

The process of handling bank loans:

1. The borrower applies for a loan;

2. Prepare loan related materials;

3. Customer manager loan survey;

4. Bank approval;

5. Both parties sign a loan contract;

6. Implement mortgage, pledge, unsecured contract or other guarantee contract;

7. Bank loans;

8. Post-loan management;

9. Repay the principal and interest when the loan is due.

Fourth, can I borrow money from someone else's account?

Users can't apply for loans with other people's household registration books. Users must provide their valid identification when applying for loans. Other people's account book has no user's identity information and cannot be used to apply for a loan. Moreover, the hukou is a relatively private identity card material, and others generally do not lend it out at will. When applying for a loan, users need to provide ID cards or household registration books. As for other identification, it is acceptable as long as the lending institution recognizes it. Generally speaking, the following conditions need to be met: 1, the income is stable, and the corresponding bank flow needs to be provided as proof, that is, the salary is required to be punched in, and the income in the last six months is not less than 2,000 yuan. Banks require different enterprises to provide tap water for half a year. 2. If you have lived and worked in the local area for 6 months, you need to provide any water, electricity, coal and electricity bills of your place of residence for nearly half a year as proof. The unit will issue a work certificate and must be a formal employee who has passed the probation period. 3. Good credit record, that is, the credit card cannot be overdue, twice in half a year, three times in the past year and no more than 60 days. At the same time, if there is a loan record, there may be no overdue repayment record. If you have never used a credit card or borrowed money, you can also deal with the credit gap. Application documents: 1. Business license, organization code and tax registration certificate of the loan applicant. Identity card of the legal representative. 3 copies of the loan applicant's basic account account opening permit. The company account flow of the loan applicant in the previous year, and the personal bank flow that can reflect the operation of the enterprise. Office land lease contract or real estate license. The loan applicant's business premises rent invoice, utility bill and property fee bill in the last month can be used. The latest rent receipt of the loan applicant or the utility bill of the individual residence. 6. The tax payment certificate of the loan applicant in the last three months can provide the tax payment certificate issued by the tax bureau, or the detailed tax account, or the business tax and value-added tax invoice. 7. Business licenses for special places must be provided by industries that need franchising, such as hygiene licenses, road transport business licenses, and business licenses for special industries. Legal basis: Article 6 of the Measures for the Administration of Individual Housing Loans, the borrower shall provide the following information to the lender: 1. Identity documents (referring to valid residence certificates such as resident identity cards and household registration books); 2. Proof of the stable income of the borrower's family; Three, in line with the provisions of the purchase contract letter of intent, agreement or other approval documents; Four, the list of collateral or pledge, proof of ownership and the certificate of consent of the authorized person to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; 6. Other documents or materials required by the lender.