Can I get a loan with my ID card?

You can't apply for a loan with only one ID card.

First, personal loans need to meet the conditions:

1. The upper limit of the loan age is 18 years old or older, and the male is 60 years old and the female is 55 years old. Cadres above the department level are legal citizens with a five-year extension;

2. Holding a legal household registration book, ID card or business license, certificate of legal representative or legal residence permit and passport, buying a commercial house designated by the bank in this city;

3. Open a special deposit account in the bank, with a deposit balance of not less than 30% of the proposed house purchase price;

4. Have valid proof documents such as purchase contracts and agreements;

5. Agree to mortgage the property under the house purchase contract;

6. Willing to perform all the terms of the loan contract;

7. Other conditions stipulated by the bank.

Can I borrow money online with my ID card?

As long as you have a copy of your ID card, you can borrow money online. After all, there are many small loan platforms that can directly lend money by providing the customer's ID number or mobile phone number. The application threshold is very low, and some don't even need to be reviewed. However, most of these small loans have not been approved by the China Banking Regulatory Commission and do not hold financial licenses. They are not very formal, and customers are easy to satisfy or be molecular. Customers are not advised to apply for such small loans.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and peer-to-peer lending. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. The direct lending behavior on the personal peer-to-peer lending platform belongs to the category of folk dust or lending, which is covered by the contract law, the general principles of the civil law and other laws and regulations and the relevant judicial interpretation norms in the Supreme People's Court. Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by CBRC. Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors gain future income through investment companies. For example, Beijing North Crowdfunding and 36Kr all belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should be fully aware of risks, have sufficient awareness and psychological preparation for taking risks themselves, and judge and bear the risks of the project on this premise. If you borrow money from a formal loan platform approved by the China Banking Regulatory Commission with a financial license, I'm afraid the information on your ID card is not enough. Customers often need to provide income information of manual workers, because the platform system needs to know their economic level and judge whether their repayment ability is sufficient according to their work income.

Of course, as long as the personal identity information and work income information provided by the customer are complete and comprehensive, the platform judges that the customer has the ability to repay the loan principal and interest on schedule; And my credit is good, and there is no bad record in the credit information (big data), so the loan can usually be successfully handled, which is not difficult for customers with good credit.

Can I get a loan only if I have a copy of my ID card?

You can't get a loan with a copy of your ID card.

Loan target: China citizens who have reached the age of 18 to 60 and have full capacity for civil conduct.

Application materials required for loan:

(1) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the appraisal department recognized by the society.

(4) Other documents and materials required by CCB.

(5) Original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge rights required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and the ownership certificate, and the written documents of the owner and the property co-owner agreeing to pledge and mortgage.

(9) The borrower also needs to provide the hydropower property bill where the company is located and the hydropower property bill with personal address.

Extended data:

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 expanding social reproduction and promoting economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.