An ID card is a necessary condition for a loan.

First of all, it is wrong to understand ID card loans as only ID cards can be used for loans, and ID cards are only necessary materials for loans. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that you only need ID card loans. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. The most important thing is to provide proof of income and prove that you are suitable for credit loans.

You can't borrow money just by your ID card.

At present, there is no loan product obtained only through ID card loan. No matter what kind of loan product it is, besides the ID card, at least another supporting document is needed.

For example, we know pro-small loans, magic cash loans and so on. This kind of ID card loan products not only provide ID cards, but also need to provide materials such as bank cards or work information. In the process of loan, ID card is only an essential thing.

In other words, if you can only provide your ID card, but can't provide other relevant supporting information, then you can't get a loan.

Can I get a loan only with my ID card?

There are two conditions for borrowing money with an ID card: (1) proving identity with an ID card; Others guarantee themselves. After meeting the above two conditions, you can apply for a loan directly with your ID card. The steps of applying for a loan with an ID card are as follows: (1) Fill in the personal information and family contact information of the applicant and guarantor; Submit a copy of my ID card and work certificate, as well as the guarantor's work certificate; , bank audit; Sign a loan agreement after approval; After completing the above steps, the loan can be released. Finally, the borrower should not forget to repay. Because personal ID card loans are much easier than other loans, many friends want to get funds in this way.

Can I really get a loan with my ID card?

ID card loans are also acceptable. It belongs to personal identity card and is a kind of secured loan. Refers to the loan issued by the lender in accordance with the guarantee method stipulated in the Guarantee Law, and the third party promises to bear joint and several liabilities if the borrower fails to repay the principal and interest of the loan.

In fact, a guarantor guarantees the borrower, which is also a credit loan. However, there are two conditions for using the ID card for loan: the first is the ID card, which can be used to prove one's identity, and the second is that someone else must guarantee for oneself.

If you only have a copy of your ID card, or you can only provide proof of identity to the bank, you can't apply for a loan under normal circumstances. Because in addition to your identity certificate, you need to submit the borrower's stable income certificate or other solvency certificate issued by the competent department recognized by the handling bank to the bank.

But there are many such advertisements with ID cards on the Internet. As long as there is a provincial card for China citizens, it can be realized, but the interest rate is very high, which seems to be more than 30%. If you can't accept the high interest rate, don't go to the online loan. Moreover, ID cards are also risky, so it is better to be cautious.

To apply for a loan, you need the original ID card, income certificate and property certificate.

Loan application conditions:

Age requirements: domestic residents must be between 18-65 years old, and foreigners must be between 25-65 years old;

2. Job requirements: have a stable work unit, income and fixed residence;

3. Credit requirements: no bad credit record. The supplementary card applicant must be the parent, spouse or child of the main card holder, aged between 16-65.

Single application materials:

1. Identification information:

Copy of resident identity card or military officer's card; If you are a Hong Kong and Macao compatriot, you need to provide a copy of your mainland pass and residence certificate for more than one year; If you are a foreigner, you can provide a copy of your passport and residence permit for more than one year.

2. Proof of work and income:

Salary certificate or business card and photo badge.

Proof materials that can prove that you have good economic strength: copy of real estate license and copy of automobile driving license; Copy of bank loan account (good credit, overdue for no more than 60 days) or deposit certificate.