You can't get a loan just by your mobile phone number, and of course you can't apply successfully. If you apply for a loan through a formal online lending platform, you need basic personal information such as ID card and bank card in addition to the mobile phone number with real-name authentication. If it is a bank loan, you need to prepare personal credit certificate, proof of economic strength, contact information, original ID card, etc. Each loan project requires different conditions and application materials, so you can call the bank customer service for consultation.
Condition: 1. The applicant must be a natural person with full capacity for civil conduct. 2. Having urban permanent residence or valid residence status requires the borrower to have legal status. 3 have a stable occupation and income, good credit, and the ability to repay the principal and interest of the loan. 4. Some banks will require applicants to apply for their own credit cards, or to borrow from banks with good credit records. 5. Some also require providing assets recognized by the bank as collateral or pledge, or using units or individuals that meet the prescribed conditions and have compensatory capacity as guarantors to repay the principal and interest of loans and bear joint and several liabilities.
2. Materials to be submitted: 1. The borrower's valid identity card and household registration book; 2, proof of marital status, unmarried need to provide proof of unmarried, divorce need to issue a civil mediation or divorce certificate (indicating that you have not remarried after divorce); 3. If you are married, you need to provide your spouse's valid ID card, household registration book and marriage certificate; 4. The borrower's income certificate (salary income certificate or tax payment certificate for half a year); 5. If mortgage loan is needed, proof of the rights of the mortgaged property must be provided, and the sum of the loan amount and the interest during the loan period cannot exceed 1/2 of the appraised value of the mortgaged property.
3. 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 by means of loans, which can meet the needs of social expansion and reproduction for supplementary funds and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Can I get a loan with my mobile phone number?
It is impossible to get a loan only by relying on the mobile phone number, but it is essential when applying for a loan. No matter what kind of loan you apply for, you must submit valid personal information and mobile phone number, which will be reviewed when you apply for a loan. Only when the borrower is audited can the loan be obtained.
At present, many online lending platforms require borrowers to submit personal real-name authentication mobile phone numbers when handling loans. Individual platforms also stipulate the service life of the mobile phone number, and you can apply for a loan only after it is met. However, when borrowing from online lending platforms, it is best to compare loans from different platforms.
It is best for borrowers to measure their repayment ability when handling loans, and determine the personal loan amount according to their repayment ability, so that there will be no overdue repayment after borrowing. After the online lending platform loans overdue, the platform will collect money, and individual platforms will also explode the address book.
The loan amount of online loans is not very high, so there is no need to pay it back on the repayment date. Even if it is difficult to repay, you can call the online loan platform and ask if you can postpone the repayment. In real life, many platforms will agree. If the online lending platform does not promise to postpone repayment, you can borrow money from friends to repay.
Can I get a loan just by my mobile phone number?
You can't apply for a loan just by your mobile phone number. To apply for a loan through the online lending platform, at least you need to provide personal basic information such as ID card, contact information and bank card. Some online lending platforms with strict audit conditions also need to inquire about the borrower's credit report, provident fund payment and other information.
To apply for a loan in a bank, you need to provide more detailed information, including ID card, household registration book, work certificate, salary income certificate, marital status certificate, assets certificate, etc. In addition, the bank will strictly examine the borrower's credit status. If the borrower has a bad record in the credit report, the loan application in the bank is more likely to be rejected.