You only need an ID card to get a loan. There are many small loan platforms in the loan market and the application threshold is low. Even if you provide your ID number or mobile phone number, you can make a payment directly without review. Of course, many of these small loans have not been approved by the CBRC, do not hold financial licenses, and are not very authentic, so customers are not advised to apply.

However, customers should take good care of their identity information to prevent it from being leaked and stolen by others, and then use it to borrow money on the above-mentioned small loan platform, which will bring adverse effects to themselves.

At the same time, customers are also advised to choose genuine lending institutions/platforms with financial licenses approved by CBRC. Although the ID card alone may not be able to borrow money, many of them do not need to provide a lot of information, and some can borrow money by providing ID cards and bank cards. However, there is generally an audit link. Only when the customer's credit status is evaluated will the next payment be made. Therefore, customers must pay attention to maintaining good personal credit.

Second, can someone else use my ID card for a loan?

I can't.

With your ID card, others can't apply for loans in formal lending institutions, because formal institutions are strict in auditing, and it is impossible to get loans with ID cards, and there are also links such as face recognition and face-to-face signing.

If it is an informal lending institution, others may use your ID card to apply for a loan, but as long as others use your ID card to apply for a loan without your consent, it is illegal to use your ID card to apply for a loan, and you don't have to repay.

The simple and popular understanding of loan is to borrow money with interest.

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 through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.

The loan method is the way for banks to issue loans to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, secured loan and bill discount. Credit loan refers to the loan issued only by the borrower's reputation; Secured loans refer to secured loans, mortgage loans and mortgage loans; Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper, which can be regarded as a special form. At present, the supply of credit funds in China can be divided into three ways, namely, direct lending, indirect lending and loans from buyers and sellers.

3. Can I get a loan with only one ID card? What bank can I borrow?

I tell you, you can't! bank loan

4. Can I really apply for a loan with only one ID card?

Yes, ~ ~ ~