The ID card is a document that every citizen of China needs. Anyone can use it to prove that he is a legal citizen. However, according to national regulations, only teenagers who have reached the age of 18 can apply for identity cards. In daily life, people need to use their ID cards for some legal activities, and some people also use them to make loans. How can they get a loan with their ID cards? Next, let's take a look at Bian Xiao!

How to use ID card for loan?

There are two kinds of official ID cards:

1, credit loan

The essence of some personal identity cards is that there is no mortgage credit loan. Therefore, if you use an ID card for a loan, then an ID card becomes a necessary condition. At the same time, the applicant is required to provide a series of materials such as work certificate, residence certificate and income certificate. Loans with ID cards have become very common in the market. Bank products include Pudong Development Bank Puyin Point Loan, China Construction Bank Express Loan, ICBC Easy Loan, Ping An Bank New Loan and China Merchants Bank Flash Loan. There is also a loan business that can be conducted online. Products can support Xiaomi loan, Alipay loan, JD.COM gold bar and WeChat micro-loan. Usually, these loan products can be downloaded from mobile phones and applied directly.

2. Guaranteed loan

There are also some personal ID cards to guarantee loans. This kind of loan materials are less, but the requirements for the guarantor will be higher. It is necessary to ensure that people have a stable income or a fixed occupation, which will be more secure. You also need the identity certificate of the guarantor. Only when a qualified guarantor is willing to guarantee for you can you get a loan. Such loans can be submitted directly to small loan companies or banks.

Bian Xiao concluded: The above content is about how to use ID card for loan. I hope I can help you. I believe that through the above content, you will know more about the details of using ID card loans. If there is demand in the future, you can refer to it.

How can I get a loan only with my ID card?

There are two conditions for borrowing money with an ID card: (1) proving identity with an ID card; Others guarantee themselves. After meeting the above two conditions, you can apply for a loan directly with your ID card. The steps of applying for a loan with an ID card are as follows: (1) Fill in the personal information and family contact information of the applicant and guarantor; Submit a copy of my ID card and work certificate, as well as the guarantor's work certificate; , bank audit; Sign a loan agreement after approval; After completing the above steps, the loan can be released. Finally, the borrower should not forget to repay. Because personal ID card loans are much easier than other loans, many friends want to get funds in this way.

How to use ID card for loan?

Question 1: How to get a loan with an ID card? There are many articles on the Internet about using personal ID cards to handle loans. So, can I get a loan just by my ID card? In fact, the ID card is the legal identity certificate of the borrower and one of the most basic conditions for the loan. Even if it is a credit loan, you may not be able to get the money just by taking your ID card. If you want to get loans from banks or non-bank lending institutions, you must have certain repayment ability and credit status, otherwise it is easy to form bad debts. However, in the case of weak economic ability, it is not necessarily impossible to use the factory certificate loan. Then in fact, it is very simple, that is, looking for a third-party guarantee institution, you can apply for micro-credit loans and secured loans with your personal ID card. Because there is a guarantee company guarantee, lending institutions are more at ease. At this time, you can take your ID card to get a loan. The guarantee company is more risky and may charge more service fees (guarantee fees) than the bank.

Question 2: Can I get a loan with my ID number? You can't get a loan just by your ID card.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 3: How much can I borrow from the bank with my ID card? You can't apply for personal loans through bank channels only with your ID card. If your city has China Merchants Bank and has certain solvency, you can try to apply through China Merchants Bank. Each loan project requires different conditions and application materials. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter manual service, so as to provide loan purposes and learn more about the city. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.

Question 4: How to use an ID card to get a loan? Application materials to be provided when applying for a loan:

(1) Original and photocopy of the borrower's valid identity certificate;

(2) local permanent residence or valid residence identity certificate

(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

(4) The list of pledge, collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and property * * * agreeing to pledge and mortgage.

(5) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(6) Credit certification materials of the guarantor.

(7) Collateral appraisal report issued by the appraisal department recognized by the society.

I hope I can help you.

Question 5: How can I get a loan on my mobile phone with my ID card? 1. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that loans can be made only with ID cards. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. ID card is only the necessary material for loan, and the most important thing is to provide proof of income and prove that you are suitable for credit loan.

At present, there is no loan product that can be obtained only by ID card. No matter what kind of loan, in addition to the ID card, at least another proof should be provided. In the process of loan, ID card is only an essential thing. In addition, don't pay any fees before the loan arrives to prevent being cheated.

Question 6: I want to use my ID card to get a loan from a rural credit cooperative. I want the rural credit cooperatives to pay off the loan first and give you an explanation. Otherwise, report to the local banking supervisor and let them get more than one bargained for.

Question 7: Is it credible to borrow with an ID card? Friendly reminder of Baidu anti-alliance team:

All the information posted on the Internet that you can borrow money or apply for a large credit card with your ID card is a low-level scam. Don't trust the company whether it is registered or not. Liars will cheat you into signing the contract, and then ask you to pay the first month's interest, performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, mortgage fee, card opening fee, etc. Step by step. In the name of insufficient bank flow, checking repayment ability or capital verification, it is required to transfer all the funds in the account to the liar's account. If you don't pay, the swindler will threaten you to breach the contract and pay huge liquidated damages in the name of signing a contract with them. This is really a low-level means and typical!

Don't believe the threat of any liar. Because the other party is suspected, the contract signed with the liar has no legal effect and there is no breach of contract. Please always remember that it is absolute for the other party to ask you to pay any fees in advance for any reason. Under no circumstances should you send money or transfer money to others first, so as not to be cheated!

Therefore, I would like to remind netizens not to believe such loan or card information released by various online investment and financing guarantee companies and various microfinance companies, especially in big cities such as Beijing, Shanghai, Guangzhou and Shenzhen, which are basically liar companies! If you are cheated, regardless of the amount, please choose to call the police! So rampant, please also ask local public security organs to vigorously crack down on rectification!

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Intellectual heroes interested in anti-alliance, come and join the anti-alliance team. Please click on the anti-alliance application below to join, answer questions and help others together, so that the world can't cheat without you!

Question 8: Can I get a bank loan with my personal ID card? Bank loans can be issued on behalf of personal identity cards, but some conditions must be prepared.

Personal ID card loan is a popular micro-credit in the market at present, which is based on personal credit record and repayment ability. The lender will be required to provide relevant certification materials such as identity, residence and income.

The basic requirements for personal ID card loans are:

1. The lender is required to be between 22 and 55 years old.

2. The loan amount is RMB 20,000-654.38+10,000.

3. The loan repayment period is 6-48 months.

Basic loan conditions

Judging from the current reality, the basic conditions of micro-credit loans are:

1. Chinese mainland residents;

2. Have a stable address and place of work or business;

Third, there is a stable source of income;

Four, no bad credit records, loans can not be used for stock trading, gambling and other acts.

To apply for a personal ID card loan, you need to provide the following supporting materials:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

With the above conditions, you can go to the bank to apply for a personal ID card loan.

Question 9: How to check whether the ID card has applied for a loan, and go to the credit information center of the local people's bank to check personal credit records? Or your province or city belongs to the pilot scope, you can log on to the online service platform of the personal credit information center to inquire about personal credit records. At present, the provinces supported by the personal credit service platform of the Credit Information Center are: Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi, Guangdong, Zhejiang, Tianjin, Xinjiang, Shanghai, Hubei, Qinghai, Hebei, Anhui and Inner Mongolia, and the rest provinces are temporarily disconnected. Please be patient.

China People's Bank Credit Information Center Service Website: pbccrc/

Personal Credit Information Service Platform of Credit Information Center: ipcrs.pbccrc/

List of Internet Personal Credit Information Service Platform Service Pilot Areas: ipcrs.pbccrc/html/sddq

Question 10: How can I check whether my ID card has been fraudulently used by others 100 points? Hello, you can apply to the local people's bank with your ID card to check your credit history. Your loan situation is clear at a glance.

Or register in official website, the personal credit information service platform of the Credit Information Center of the People's Bank of China.