You can't use your ID card to make a loan, but your ID card is essential when you apply for a loan. You need to submit other information before you can make a loan, such as proof of income and property, and the borrower's credit information must be good. Only in this way can you get a loan.

Generally, you can go to banks, third-party payment institutions and online platforms. However, it takes a long time to get a loan from a bank and the conditions are relatively high; The approval of online loans is relatively fast and the requirements are relatively low, but the amount is generally small. Third-party lending institutions are also expensive.

Before handling the loan, the borrower had better know more about several banks, see which bank requires more relaxed conditions, what kind of repayment methods are required, and finally choose the one that suits him best. Note: Loans cannot be used for stock trading and gambling.

Borrowers should be able to predict whether they can repay on time before lending. If they can't repay the loan on time, they can reduce the loan amount or not pay it back at all, or they can ask friends for help, so as to prevent themselves from overdue repayment in the future.

Can I borrow money online without an ID card?

You can't.

Now the online loan must upload the front and back of the ID card photo, and it is possible to get the loan after the verifier card is consistent.

And no matter where you borrow money, you need at least one other proof 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 conditions of the loan.

Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:

(1) 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) the purpose of the loan;

(4) The source, ability and method of repayment of the borrower;

(5) Guarantor's willingness to guarantee, ability to guarantee, value of collateral (pledge) and liquidity.

Can I get a bank loan with my ID card?

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.

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Moreover, in different countries and different development periods of a country, the types of loans classified according to various standards are also different. For example, industrial and commercial loans in the United States mainly include ordinary loan limits, working capital loans, standby loan commitments, and project loans. In Britain, industrial and commercial loans mostly take the form of discounted bills, credit accounts and overdraft accounts.

The reason why the bank loan is not approved is that the credit conditions are not enough: the borrower needs the bank to conduct comprehensive evaluation and audit when applying for the loan, 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.

Incomplete loan application materials: for example, it is definitely not possible to provide only ID cards. According to the different types of loans and application channels handled by borrowers, 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.

The loan conditions mainly include loan interest rate and loan term, and loans can be issued at a certain punitive interest rate in the short term. When the central bank's lender of last resort system provides assistance, the recipients have to pay a corresponding price, which can not only include punitive interest rates, but also seek other ways, such as extra charges. In terms of the loan term, the unified term can be uncertain, but it can't be indefinite, that is, the assistance provided by the lender at last has a time limit and must be repaid at maturity. This ensures that the lender of last resort system provides stable mechanism support, rather than insurance purposes; At the same time, banks are also urged to strengthen their own management, improve operational efficiency and get out of the crisis as soon as possible.

So much for the introduction of how to get an ID card loan.