Can I get a loan with a copy of my ID card?
I cannot get a loan with a copy of my ID card. When applying for a loan from a bank, you need to consider many aspects. Not only do you need to examine your personal credit status, but you also need to consider whether the borrower has the ability to repay. The application procedures are complicated, and you also have to provide various supporting materials, such as salary statements issued by the bank, Proof of residence, marriage certificate, employment certificate, etc. must be provided to complete the loan procedures. Therefore, just using a copy of your ID card is not enough.
① Our country’s laws stipulate that the legal nature of the resident ID card and the copy of the resident ID card are different. The resident ID card is the only valid document for citizens to engage in relevant activities and prove their legal identity; a copy of the resident ID card is only a record of the appearance and surface text information of the document, and can only serve as a reference when verifying the citizen's identity information, and does not prove the citizen's identity. legal effect.
②Fingerprints are now required for ID cards. If you only have a copy of the ID card and can only know some superficial and basic personal information, generally there is no way to get a loan. Can I get a loan by scanning my passport and ID card photo?
Loans need to scan the original ID card photo.
Some platforms allow passport photos, but most do not. They require your original ID card, mobile phone number, and SMS verification.
If you go to a regular bank, you cannot get a loan. This requires authorization from the owner of the information.
However, some private lending companies now have irregular operations and only require lenders to transmit identity information through the Internet.
If you need money urgently, you should still go through formal channels, which are guaranteed. Can I get a loan with a copy of my ID card?
You cannot get a loan with a photocopy of your ID card. During the pre-loan investigation, the bank will examine the originals of various documents, and photocopies alone will not be accepted. Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts. Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development; at the same time, banks can also obtain loan interest income and increase their own accumulation. Can I apply for a loan online with a scan of my ID card?
Generally, it is not possible; after submitting a loan application online, if the applicant meets the loan conditions applied for, the loan company will call or send a text message to confirm the application. Submit the loan information and sign the loan contract in person.
Loan materials generally include:
The original and copy of the borrower’s valid identity document;
Proof of local permanent residence or valid residence status
Documents proving the borrower’s loan repayment ability. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, and insurance policy.
The borrower obtains the pledge rights, mortgage list and ownership certification documents required for the pledge and mortgage amount, and the written document of the owner and the owner of the property agreeing to the pledge and mortgage.
A written document in which the guarantor agrees to provide guarantee required for the borrower to obtain a guaranteed amount.