You cannot apply for a loan if you only have your ID number.

1. The main reason why you cannot get a loan is that anyone can report their ID number, and there is no guarantee that it is you who is applying for the loan. The ID number is only proof of personal identity and cannot determine the borrower's repayment ability. In order to control risks, it is impossible for lending institutions to lend money based only on ID numbers.

2. The risk taken in this situation is too great, there is no guarantee, and the lending institution will not pay. In daily life, if you are temporarily unable to submit your ID card for some reason, you can apply for a temporary ID card loan. Do not borrow personal ID cards at will to avoid unnecessary trouble in the future.

Most formal financial institutions provide two types of loans to lenders: 1. Mortgage loans, which have a higher ratio. Banks and formal financial institutions do not like to take risks and require lenders to pledge corresponding assets. To get a loan, for example, a house, a car, etc. 2. Unsecured loans. When applying for a loan from a bank, the requirements are very high. You must have good credit, good income, excellent assets, etc. Otherwise, you will basically not be able to get the loan.

How to get a loan:

1. Individuals first prepare the information required for a bank loan, usually including loan application, customer's ID card, household register, income certificate, marital status certificate and Other materials, for example, if you are a spouse customer, you must also provide your spouse's ID card and household registration book) If you are a mortgage loan customer, you must provide the property ownership certificate of the mortgage; if you are a guarantee-free loan customer, you are required to have a good credit history.

2. Process the application. After the customer has prepared the relevant information, the customer can apply for a loan through the law firm entrusted by the bank and hand over the relevant information to the bank. After the customer pays various fees, the customer needs to sign a loan contract with the bank and bind it to both parties. legal documents.

3. Review payment. For example, if it is a home purchase loan, a law firm entrusted by the bank will first conduct a preliminary review of the customer's application. If it is qualified, the bank will conduct a loan review. If the review fails, the bank will refund the customer's relevant information and fees.

4. Handle other legal proceedings. In addition to the contract, customers also need to go through certain legal procedures. There are also bank loans.