You can't apply for a loan for the time being only with your ID card. Identity card is one of the necessary materials to apply for a loan, but other valid documents are also needed.

Conditions to be met when applying for a loan:

1. China citizens with permanent residence in China and full capacity for civil conduct, aged 18 and under 65;

2. Have a good legal occupation and stable economic income, and have the ability to repay the principal and interest of the loan on schedule;

3. Abide by laws and regulations, and have no illegal acts and bad credit records;

4. There is no bad record on the national credit record;

5. Other conditions stipulated by the bank.

Information to be provided when applying for a loan:

1. My valid ID and household registration book;

2. Proof of residential address (household registration book, etc. );

Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3. Personal professional certificate;

4. Proof of income of the loan applicant and his family members;

5. Other information required by the lending bank.

The process of applying for a loan:

1. The borrower submits written loan application materials, including ID card, household registration book, personal income certificate and other relevant application materials required by the bank;

2. The bank shall review and investigate the application materials submitted;

3. After examination and investigation, the bank signs a loan contract with the borrower;

4. Bank loan, the applicant uses the loan;

5. The borrower repays the loan on schedule according to the provisions of this contract;

6. Settle the loan.