You can't get a loan if you have an account to go to the bank. The loan procedure is as follows: 1) Loan target: enterprises (legal persons), other economic organizations, individual industrial and commercial households or natural persons with China nationality and full capacity for civil conduct approved and registered by the administrative department for industry and commerce may apply for loans from local rural credit cooperatives. (II) Loan conditions: When applying for a loan, the borrower should have basic conditions such as marketable products, profitable production and operation, no misappropriation of credit funds, and abiding by credit, and meet the following requirements: (I) Being able to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made; Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures; Basic account or general deposit account has been opened in the lending institution, and a certain amount of payment deposit has been reserved in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; To apply for guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that opens a deposit account in a rural credit cooperative with good economic benefits and reliable credit. The loan collateral must comply with the provisions of the Guarantee Law of People's Republic of China (PRC) and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize. The borrower's asset-liability ratio shall not be higher than 70%. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted according to the project management requirements. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; The borrower must apply for a loan card according to the regulations of the People's Bank of China, and go through the annual inspection procedures according to the regulations.

Can I get a loan with my ID card and account?

Can I get a loan with my ID card and account?

You can't get a loan with your ID card or account book. You need a certain income and credit to apply for a loan or credit card.

Conditions for individuals to apply for loans:

1, age 18~60 years old.

2. Personal credit record is good.

3. Have a legal job and a stable income (the monthly income is at least twice the monthly payment).

4. Personal debt is small.

5. Have assets as collateral.

Can I get a loan with my ID card and account?

You can't apply for a loan if you have a copy of your ID card and a household registration book. To apply for a loan, you must have the original ID card and household registration book, not only a copy. For general loan application, the required materials include the original and photocopy of the borrower's valid identity certificate 1: 2 local permanent residence certificate or valid residence identity certificate 3 borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc. 4. The borrower's pledge right, the list of collateral and ownership certificate required to obtain the amount of pledge and mortgage, and the written document of the owner and the real estate agreeing to pledge and mortgage. 5. The guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount. 6. Credit certification materials of the guarantor. 7. Collateral appraisal report issued by the appraisal department recognized by the society. Other documents and materials stipulated by the bank.

Can I get a loan for my ID card and account?

Hello, it is not easy to apply for a loan with your ID card and household registration. You need collateral to easily apply for a loan or be a guarantor.

You should have proof of income, or mortgage of assets, or a competent financial guarantor.

If you want to buy a house, the developer can give you a loan and use the house you bought as collateral.

ID card and household registration book are only a necessary condition of loan, not all conditions. All conditions depend on how much you borrow and what your own conditions are. You can learn about this on the website of Sanjiu Jin Fu.

Can I get a loan for my ID card and account?

Hello. Only ID cards and household registration books are not allowed.

To apply for a bank loan, you need to prepare materials:

1. Valid ID;

2. Permanent residence or valid residence certificate, permanent residence certificate;

3. Proof of marital status;

4. Bank flow;

5. Proof of income or personal assets;

6. Credit report;

7. Use plan or loan purpose announcement;

8. Other information required by the bank.

Please refer to the above answers provided by Ronglian Ye Wei.

Temporary id card, can I get a loan by adding an account?

If temporary id card cannot apply for a loan temporarily, the original ID card and household registration book are one of the necessary materials for applying for a loan, but other documents are needed.

The applicant must be a natural person with full capacity for civil conduct, aged over 18 and under 65;

2. Having urban permanent residence or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for a credit card or loan from the bank and have a good credit record;

5. Other conditions that banks need to meet.

Materials to be submitted when applying for a loan:

1. Original and photocopy of my ID card and household registration book;

Original and photocopy of spouse's identity certificate and household registration book (provided when the borrower and his spouse are not in the same household registration book);

If there is a guarantor, the original and photocopy of the guarantor's identity certificate and household registration book;

Borrowers who are not registered in this city provide proof of legal residence;

2. Proof of residential address (household registration book, etc.). );

3. Proof of income or employment;

4. Proof of income of the loan applicant and his family members;

5 proof of ownership of the security interest (proof of property to be mortgaged, original pledge, etc.). ).

6. Other information required by the bank.

The process of applying for a loan:

1. The borrower shall submit written loan application materials, including ID card, household registration book, personal income certificate and other relevant application materials required by the bank.

2. The bank shall review and investigate the application materials submitted;

3. After examination and investigation, the bank signs a loan contract with the borrower;

4. Bank loan, the applicant uses the loan;

5. The borrower repays the loan on schedule according to the provisions of this contract;

6. Settle the loan.

Can users borrow money without an ID card?

It depends. You usually need an ID card. Only registered permanent residence can't apply for mortgage loan.

Can a friend borrow money with my ID card account?

If a friend borrows a loan with an ID card and does not repay it, the bank can't find a real lender and can only act according to legal procedures. The name on the contract is someone's name. Who will repay the loan? If the loan cannot be repaid in time, the bank will suspend all banking services of the borrower and use the deposit in the borrower's bank card to repay the loan. If the deposit cannot offset the loan, the bank has the right to apply for compulsory execution, mortgage or auction of the borrower's financial repayment of the loan, and the borrower will be blacklisted in the banking system, which will affect the credit rating.

The borrower must first find someone with an ID card, ask him to pay off the bank loan, and write a certificate to the bank to prove that the borrower has no direct relationship with the loan, and ask the bank to delete the borrower from the bank blacklist system and unfreeze all the business of the borrower. If the person who takes his ID card refuses to pay back the money or hides, he can take it away and solve it.

Can a user get a loan?

No, the household registration book or ID card is just the basic information of the loan.

Generally speaking, the following conditions need to be met:

1. If you have a stable income, you need to provide the corresponding bank flow as proof, that is, you need to punch in your salary, and your monthly income within half a year should not be less than 2,000 yuan (different banks have different requirements); If it is an enterprise, it is also required to provide public water for nearly half a year.

2. If you have lived and worked in the local area for 6 months, you need to provide any water, electricity and coal bills in your place of residence for nearly half a year as proof. The unit will issue a work certificate and must be a formal employee after probation.

3. Good credit record, that is, the credit card cannot be overdue, twice in half a year, three times in the past year and no more than 60 days. At the same time, if there is a loan record, there may be no overdue repayment record. If you have never used a credit card or borrowed money, you can also deal with the credit gap.

Extended data:

Credit conditions:

1, credit line

The credit line is the maximum amount that borrowers are allowed to borrow in the agreement signed between borrowers and banks.

2. Revolving credit agreement

Revolving credit agreement is a loan agreement that banks promise to provide enterprises with no more than a certain maximum amount according to law.

3. Compensatory balance

The compensatory balance is the minimum deposit balance that the bank requires the borrower to keep in the bank according to the loan limit or a certain proportion of the actual loan amount (generally 10% to 20%).