First: ID card microfinance should follow the loan process. The most important thing I want to mention is not to apply for the so-called ID card loan, which is often a gimmick to deceive the majority of loan friends. All loan products must follow certain legal and commercial processes. In addition, if you have come into contact with such people, please don't pay any fees before the loan arrives to prevent being cheated. This is the same for any other loan. Asking for interest in advance is a liar. Therefore, even if the ID card micro-loan exists, it is necessary to sign the contract in person according to the loan process.
Second, it is impossible for a bank to lend money as long as it has an ID card. As we know, banks are not charitable organizations, but commercial organizations, and loans are their main source. Therefore, the quality of the loan is related to the life and death of the bank, so there will be no loan without considering your loan qualification. So, how to borrow money only by ID card? It depends on your credit status, work status, and even the form of salary payment, so it is false to say that it is only based on ID card loans.
Third, ID card microfinance is actually a credit loan. At present, most ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that loans can be made only with ID cards. Need a certain income certificate, stable work, more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers, managers and so on. However, in the propaganda of some institutions, it has become an ID card micro-loan, which is obviously wrong. ID card is only the necessary material for loan, and the most important thing is to provide proof of income and prove that you are suitable for credit loan.
Fourth, the ID card is a necessary material for handling loans. As far as Kling knows, you can't borrow money only by your ID card. Any loan type needs to confirm your identity. Therefore, the ID card is only a necessary document for a loan, and there is no such thing as a loan only by an ID card. Therefore, it is fake to use only ID card loans, and everyone needs to be alert to this type of publicity.
To sum up, ID card micro-loan is absolutely impossible. He just took advantage of the psychological stunt formed by everyone's urgent need for loans. Whether it is a formal bank, a formal microfinance company or a pawnshop, it is impossible to issue loans only with your ID card, and only after you meet the specific loan conditions will you be loaned. If you can get a loan without any conditions, you should pay attention. It may be a scam. In addition, I will give you a killer weapon: don't pay any fees before any loan varieties arrive. However, for credit loans from formal institutions, you can apply with confidence.
ID card microfinance is the most commonly used trap for loan scammers, so be careful. The basic condition of Shenzhen ID card microfinance is that you can apply for a loan with your ID card, but think about it. If every regular lending institution, regardless of its repayment ability, can apply for a loan with its ID card, wouldn't the bank be in a mess?
Therefore, there must be a small loan with Shenzhen ID card, which must be avoided. In this case, you can apply for a farmer loan. In order to reduce the difficulty, you need to find a loan guarantor. The conditions for applying for farmers' loans are:
1. At least 18 years old (including 18 years old) but under 60 years old, has a fixed residence in the countryside, is in good health, has full capacity for civil conduct and labor, and holds valid identity documents;
2 is the head of the rural family or other family members designated by the head in writing;
3. Engaged in agricultural production and operation such as agriculture, forestry, animal husbandry and fishery or non-agricultural production and operation activities such as industry, commerce, construction, transportation and service industry;
4. Other conditions required by the bank. Generally speaking, the credit period of farmers' small loans does not exceed 1 year, and the longest is not more than 3 years. The amount of small loans for farmers is 30,000-50,000 yuan.
Because different banks have different loan interest rates and different handling fees. Therefore, different applicants have different qualifications. At this time, I suggest you apply for a loan directly on a professional platform for free. This kind of loan is connected with many banks, and we can find the most suitable loan scheme and the most economical loan method for you free of charge.