Palm reading wallet is one of the loan apps that only need ID cards. Can provide you with a pure credit loan of up to 2000 yuan, without mortgage, guarantee and any proof materials. The longest loan term of this platform is *, and according to netizens, the interest rate is not too high.

Zero installment:

Zero installment is a loan APP that only needs an ID card, with a maximum amount of 50,000 yuan, a term of 6 installments and a monthly interest rate of about 3%. Mobile phone software mainly helps people aged 18-30 to buy daily necessities by stages.

Temporary loan:

Temporary loan is one of the loan apps that only need ID cards. The maximum amount is 5,000 yuan, and the maximum period is 4 weeks. I'll call back. When applying for a loan, just prepare your ID card, mobile phone and bank card.

Cash taxi:

Cash taxi is a loan APP that can pass the audit by brushing your face. You only need an ID card to get a loan. The platform can provide loans of up to 5,000 yuan for young people aged 18-45, and the audit can be completed in 5 minutes.

Loan (electronic IOU credit loan) is simply understood as borrowing money with interest.

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

Principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1. Loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan according to the predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if a long-term loan is issued, the interest rate will be higher than that of a short-term loan, and the benefit will be good. However, if the loan term is long, the risk will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, so that there can be no problem with the loan.