You can't. Folk also belongs to a kind of loan, which only needs a loan to ensure that the lender and the repayment account need to be consistent. You must use your own bank card and your own ID card, not someone else's bank card, which will lead to the mismatch between the repayment account and the lender and make it impossible to repay. If you need to mortgage real estate for large loans, these are the basic processes and knowledge of loans.
Can I get a loan from someone else's bank?
cannot
You can't borrow money from someone else's bank card. When applying for a loan, users need to complete the bank card authentication and need the bank card in the lender's own name. Other people's bank cards are due to the account name and lender's name
I borrow money myself, but can I accept my bank card with someone else's bank card?
I can't.
1. The money in the payer's bank account must be paid by himself before it can be transferred to the payee's account, and vice versa.
2. When applying for a loan, you must provide your own bank card as a collection bank card. You can't use other people's cards. If the bank card provided is not in its own name, the platform is likely to fail the review and will not issue loans to the applicant.
3. If the applicant doesn't have a bank card in his own name, he can apply for one before applying for online loan. It is not difficult to apply for a savings card. Just bring your ID card to the bank outlet to find a staff member to handle it, and you can usually get it on the spot.
4. When providing your own bank card as a collection account, you should also pay attention to the normal status of the card. If the card status is different, such as being frozen by the bank, providing such a card when handling the loan may also lead to the failure of loan approval and the platform will not lend money.
5. Loan application link: customers must clearly apply to banks and other lending institutions and fill in the application materials;
Loan approval link: the lending institution also needs to approve the application materials submitted by the lender;
Signing loan contract: after approval, signing loan agreement, guarantee contract, etc. , depending on the actual situation;
Loan issuance: the lending institution issues loans according to the amount promised in the agreement;
Pay off the loan: the borrower must pay off the loan. Repayment includes timely repayment and early repayment, and the borrower can choose.
6. In economic development, people will always become borrowers and lenders because of the demand for funds. For example, if a user goes to a bank to apply for a loan, it is also a debt connection. Users borrow money from banks with their excellent credit qualifications, and banks will deduct the corresponding loan interest when lending funds to users. Therefore, loans are mutual, which can not only alleviate the financial shortage of users, but also enable banks to obtain certain profits, and neither side will lose money. Users can choose professional financial institutions such as banks when applying for loans, because such institutions are more reliable and safer.
The loan was transferred by someone else's bank card, concealing the purpose of the funds?
After the loan is transferred to others, if it is a bank card transfer, the bank can find it. And users withdraw loan funds and then transfer them in cash, which is difficult for banks to find. Because the loan funds will be used for specified purposes, the direct transfer of the loan funds by users to others does not meet the requirements for the use of the loan funds. Once discovered by the bank, the bank may ask the user to pay off all the arrears in one lump sum.
Moreover, if the user transfers the loan funds to others, once others fail to repay the loan, it may directly lead to the user's loans overdue, which in turn leads to the user's poor personal credit information. Please don't transfer the loan funds to others, and use the loan funds in strict accordance with the regulations. Users use loan funds in violation of regulations, and subsequent application for loans will make the audit more strict.
The loan funds of some loans can only be consumed by designated merchants. In this case, the user cannot transfer the loan funds to others.
Extended data:
In the process of borrowing money, borrowing money from the lender knowing that it is unable to repay the loan debt, and concealing the truth, fabricating facts, misappropriating loans, and intentionally illegally occupying the lender's money will be considered as crimes.
According to the presumption of illegal possession in the Summary of the National Symposium on the Trial of Financial Crimes by the Supreme People's Government, it can be legally recognized that the loan is deliberately defrauded by fabricating facts and concealing the truth, and the borrowed money is used for illegal activities.
If _ when _ borrowing _ you know that _ borrowing _ cannot repay _, (for example, _ one month _ only _ 3,000 income _, borrowing _ 200,000 _) you know that _ you cannot repay, but you still _ intentionally _ borrow from _ lender, and cheat _.
If _ you _ is heavily in debt and unable to repay, it may be unintentional to repay when borrowing, which can be considered as illegal possession and unable to repay. According to the above analysis, it may be suspected of committing a crime.
Can I borrow money from someone else's bank card with my ID card?
You can't use your ID card to borrow money from someone else's bank card. You need to transfer money after receiving the account.
Bank loan application and related matters:
The basic information of the loan applicant, such as unit, position, monthly income, etc.; (2) Briefly explain the reasons for borrowing; ③ If there is any operation, please explain the operation status and briefly analyze the prospect; (4) the purpose of applying for a loan; ⑤ Make an agreement with the bank to inquire about the records of personal credit information system; 6. Explain the repayment plan; ⑦ Explain the assets that can be used for guarantee; (8) Commitment to bear corresponding legal responsibilities for loans. Loan refers to a commercial activity in which the lender provides monetary funds to the borrower, and the borrower repays the principal and interest at the agreed interest rate and time limit. In the legal relationship of loan contract, the borrower is the borrower and the lender is the lender.
Lawyers' business in bank loans mainly includes: examining borrowers and their legal qualifications; Participate in the drafting, negotiation or review of loan agreements; Providing legal advice and services to both borrowers and borrowers during the performance of the loan contract; Solve the problems in the performance of the loan contract. By participating in bank loan activities, lawyers help borrowers and borrowers to sign and perform loan contracts according to law, which can help the parties achieve their respective business objectives, prevent and resolve various legal risks in loan business, and promote the smooth development of loan business.
According to the General Principles of the Civil Law, the Contract Law, the General Principles of Loans, the Law on Commercial Banks, and the relevant provisions and judicial interpretations of the China Banking Regulatory Authority (this article refers to the People's Bank of China or the China Banking Regulatory Commission) and the Supreme People's Government, these Operating Guidelines are formulated. It is mainly applicable to the loan business of domestic commercial banks providing RMB funds to domestic enterprises, aiming at providing general guidance for lawyers to handle such loan business. These operating guidelines are not applicable to financing activities with special arrangements such as syndicated loans, project financing and secured loans. When undertaking corporate loan legal business, lawyers should first conduct legal review on the subject qualifications of the parties to the loan contract to ensure the legality and effectiveness of the loan contract.
(1) Qualification requirements of the borrower
As a lawyer of the borrower, he should review all aspects of the borrower's conditions according to relevant laws and provide relevant legal opinions to help the borrower meet the statutory qualification requirements for borrowing; As a lawyer of a bank, he should help the bank to examine the qualifications of borrowers and ensure that the borrowers who lend by the bank meet the statutory loan qualification requirements.
According to the relevant provisions of the General Principles of Loans, an enterprise as a borrower should be an enterprise (enterprise legal person) or other economic organization approved and registered by the administrative department for industry and commerce (or competent authority). Lawyers should examine the legal establishment and existence of borrowers:
1. For a limited liability company or a joint stock limited company, the business license of the enterprise as a legal person shall be reviewed;
2. For foreign-invested enterprises, in addition to the business license of the enterprise as a legal person, the approval certificate of the foreign-invested enterprise shall also be examined;
3. For the branch of an enterprise as a legal person, it is necessary to review the business license of the branch;
4. All kinds of enterprises shall pass the annual inspection of the administrative department for industry and commerce, except natural persons and some enterprise legal persons who do not need the approval and registration of the industrial and commercial department;
Why do some people always like to borrow money from other people's bank cards?
According to the contract law, paying money to a third party according to the regulations is regarded as the borrower's borrowing obligation. If it cannot be repaid, the borrower needs to repay, and the third party will not bear joint liability. This is called entrusted payment in operating loans, which is a way to explain the purpose of your loan. This is called third-party entrusted payment. In order to control risks, banks will verify the qualifications of loan applicants and the credit information of relatives. Except in special circumstances, the loan will not be paid to the borrower's account to prevent the borrower from using the loan for other purposes. Bank interest rates are low and safe. So there are many people to choose, but the threshold for banks to apply for loans is relatively high, and there are very strict requirements for credit reporting. If the credit is not good, it will easily lead to audit.
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1. What conditions should a bank loan meet?
(1) China citizens with full capacity for civil conduct have fixed permanent residence or valid residence certificate at the place where the loan bank is located.
(2) Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule.
③ Good credit record and repayment willingness, and no bad credit record.
(4) It can provide legal, effective and reliable guarantee recognized by the bank.
⑤ There is a clear loan purpose, and the loan purpose complies with relevant regulations.
⑥ Other conditions stipulated by the bank.
2. What should I do if the bank is not in loans overdue for the time being?
First of all, users should take the initiative to contact the bank to explain the situation and apply for repayment through negotiation.
But in general, users wait for the overdue period before contacting the bank to negotiate repayment. Most banks will not agree to negotiate, and often ask the repayment person to pay off all the arrears at one time.
(3) In the case of failure to negotiate repayment, users can choose to contact family and friends to borrow money to fulfill repayment obligations; In addition, if an individual has assets, he can also choose to mortgage the assets to the bank or sell them directly, and the funds obtained can be used for repayment.
3. How to repay the bank loan?
When users apply for bank loans, they usually have a bank card for repayment. Users only need to deposit the amount to be repaid into the repayment bank card before the repayment date of each month, and wait for the system to automatically deduct the money on the repayment date. There are many ways to deposit money with bank cards, such as direct online banking, mobile banking, Alipay and WeChat. , or deposit online at an ATM. In addition, when signing a loan contract, you should choose the repayment method, and you can't change the repayment method halfway.
So much for the introduction of the lender's bank card.