Can I get a loan if I take a photo with my ID card?

You can't get a loan if your ID card is photographed. Now you need an ID card to get a loan. Resident identity card is the legal identity document of citizens, and its main function is to prove their identity when they engage in related activities. When a citizen uses a resident identity card to prove his identity, all relevant departments have the obligation to check the consistency of the witness card, and can handle relevant business for the holder only after it is confirmed to be correct. If a resident's ID card is lost and is fraudulently used by others, the fraudulent user and the relevant departments should bear corresponding legal responsibilities, and the person who lost his ID card is not responsible for the behavior that he did not implement. The Law on Resident Identity Cards also clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated.

1. loan application conditions and materials:

Requirements of the Borrower:

1.18-a natural person aged 60 (Hong Kong, Macao and Taiwan and foreigners are also allowed);

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule;

3. The borrower's actual age plus the loan application period shall not exceed 70 years old;

Information to be provided by the borrower:

1. Husband and wife's ID card, household registration book/temporary residence permit and foreigner's household registration book;

Two copies of marriage certificate/divorce certificate or judgment/single certificate;

3 proof of income (in the format stipulated by the bank);

4. Copy of the business license of the unit (with official seal);

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Second, due to different types of loans, the conditions and materials for applying for loans are also different:

1. Personal credit loan:

Personal credit loan is a fashionable loan method at present, so what conditions do you need to apply for this kind of loan? Under normal circumstances, the bank requires the borrower to have a second-generation ID card, a certificate of stable work, a certificate of income, and a certificate of loan use; Personal credit status is good; There are also certain restrictions on the income of borrowers. The average monthly income of ordinary borrowers is not less than 4000 yuan. After submitting the relevant application materials, the bank can apply for a loan with a monthly income of 5-8 times, that is, an unsecured loan and a new loan from Ping An Bank.

2. Housing mortgage loan:

The reason why more and more people choose real estate mortgage loan is that the loan interest rate is generally the benchmark interest rate, and there is less pressure to repay the loan. Generally speaking, in addition to the strong requirements for the lender's income and credit, the service life of the house should be within 20 years and the house area should be more than 50 square meters; The house is highly mobile; The amount of mortgage loans shall generally not exceed 70% of the assessed value of the house. In this way, after the relevant information is submitted to the bank for approval, you can apply for a loan with a maximum of150,000 and a maximum term of 20 years.

3, college students' business loans:

At present, many areas have support policies for college students' entrepreneurial loans, such as loan subsidies or interest-free loans. Generally speaking, college students' business loan requirements: college students, graduates within two years; College degree or above; 18 years old or older. Relatively speaking, the application conditions for this kind of loan are relatively loose, and then you only need to submit student ID cards, transcripts, statements and other materials to the bank, and you can get the loan after approval.

4. Personal family loans:

Self-employed people have become the main force of social and economic development, but many self-employed people have difficulty in financing, so many people choose this kind of loan. Generally speaking, you must have full capacity for civil conduct and have a local hukou; Having a fixed business place and stable income in the local area; Can provide legal collateral (pledge); Open a deposit account with a loan bank. After the above conditions are met, the information required by the bank can be submitted for review.

5. Housing mortgage loan:

At present, many people buy houses and apply for mortgage loans. Generally speaking: have a valid ID card and proof of marital status; Good credit record and willingness to repay; A steady income; Commercial housing sales contract or letter of intent for the purchased house; Have the ability to pay the down payment of the purchased house; Open a personal settlement account with a valid guarantee in the bank. After meeting the above conditions, you can submit the application materials to the bank, and the bank will review and decide whether to lend money.

Can I get a loan only with my ID photo?

Only ID photos can be used for loans. The loan must meet the following conditions: the loan applicant has full capacity for civil conduct, the applicant is a legal citizen of China who is over 18 years old but not over 65 years old, has a fixed residence or valid identity certificate in the town where the loan bank is located, and the applicant has a stable income, good credit and economic ability to repay the loan. In the application stage, we should not only consider the use of funds and the general process, but also consider personal identity, income and other detailed information. Personal loans can only be credit loans, which need to pledge certain value of physical objects and securities. After approval, when handling the loan formalities, the lender needs to go to the bank in person, fill in the loan information, sign it, and take photos in the bank supervision area to leave a certificate.

Interim Measures for the Administration of Personal Loans

Article 12

The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions. Article 13

After accepting the borrower's loan application, the lender shall fulfill the obligation of due diligence, investigate and verify the authenticity, accuracy and completeness of the personal loan application content and related information, and form an investigation and evaluation opinion.

Can I get a loan with my ID photo? All three situations are here.

The naked loan incident has made many people have a deeper understanding of ID card photo loans, and also exposed the mixed interests of the industry. So can I get a loan with my ID card? Can I really get a loan with my hand-held ID card?

I. ID card photo loan

The so-called ID photo loan in many advertisements is often just a gimmick to attract the majority of loan friends. Because all lending institutions are not charities, they need secured loans to make profits. The quality of loans is related to the life and death of lending institutions. Therefore, there will be no arbitrary lending without considering the quality of loans. The so-called advertisement that you can borrow money by holding a photo of your ID card is untrue, and the lending institution will definitely ask for more personal information. Generally, it will include income status, family information and work information.

Second, use temporary id card photos for loans.

It is understood that under normal circumstances, the validity period of temporary id card is the same as that of my ID card. Therefore, when you lose your ID card, you only need to apply for a loan in temporary id card, while the validity of temporary id card is within 3 months. If it is still valid, the loan application will not be affected. It has also been pointed out that housing mortgage loans are very strict in examining identity documents. If the personal data on the marriage certificate, household registration book and ID card are inconsistent, it will not pass the examination, so users must carefully prepare all kinds of materials and certificates.

Third, use photos of other people's ID cards to make loans.

Generally speaking, it is difficult to get loans only by using photos of other people's ID cards, but now some companies in society can provide loans only by using ID cards. Pre-lending procedures may be very simple, just need the lender to transmit identity information through the Internet. However, using someone else's ID card to apply for a loan is a serious loan behavior, and even if it is repaid on time during use, it will be severely punished by law.

The above is a collection of information about ID card photo loan. When lending, we must pay attention to whether the lending institution is reliable and avoid being cheated.

Can someone else borrow money online with my ID photo?

You can't get a loan with your ID photo. Now online loans only have ID card photos and cannot be loaned. Now online lending, online lending needs your real-name authentication phone number, holding your ID card photo and bank card information to make a loan. In the application stage, we should not only consider the use of funds and the general process, but also consider personal identity, income and other detailed information. Personal loans can only be credit loans, which need to pledge certain value of physical objects and securities. After examination and approval, when handling the loan formalities, the lender needs to go to the bank, fill in the loan information and sign, and I need to take photos in the bank supervision area to leave a certificate. Extended data:

Risk 1, the virtual nature of online transactions, leads to the inability to authenticate the credit status of both borrowers and borrowers, and is prone to fraud and default on payment. 2. A lot of lender information published on the Internet platform is in the name of "loan company" and "financing company". In fact, financial institutions must be approved by the state to engage in financial services such as credit financing. Those who engage in financial activities without authorization are often investigated for "illegal fund-raising" and "illegal absorption of public deposits" and disrupting the order of financial management. 3. If loans are issued on behalf of the network platform, if the network platform neglects self-discipline, or the internal control procedures fail, or are used by others, there may be cases of fabricating loan information and illegally raising funds.

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Can I get a loan only with my ID photo?

I can't. If the client only applies for a loan with a photo of his ID card, he can't get a loan. The parties need to bring their identity certificate, loan application form, personal income level certificate and other materials that can prove that they meet the loan conditions according to law before they can get a loan.

In the application stage, we should not only consider the use of funds and the general process, but also consider personal identity, income and other detailed information. Personal loans can only be credit loans, which need to pledge a certain value of physical objects and securities. After examination and approval, when handling the loan formalities, the lender needs to go to the bank, fill in the loan information and sign, and I need to take photos in the bank supervision area to leave a certificate.

Legal basis:

Interim Measures for the Administration of Personal Loans Article 11 An application for personal loans shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.