Can I apply for a loan with only my ID card and bank card?

To apply for a loan, you need to meet basic conditions and qualifications, such as having social security for work or having a business entity, and having assets in your name.

Some credit loans require simple materials. You only need to provide your ID card and the bank. However, the approval requires checking your personal credit report and passing the bank's big data system. Can I get a loan with my ID card?

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Yes, as long as the following conditions are met:

1. Be 25 years or older, have full capacity for civil conduct; and have a permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay principal and interest on schedule.

3. Good credit record and no bad credit record.

4. Be able to provide a legal and effective guarantee recognized by the bank.

5. Other conditions specified by the bank.

Application procedures

1. Sign a subscription letter: The customer signs a subscription letter with the real estate development company that has signed a contract with the bank, and pays the first installment of the purchase price to the real estate development company.

2. Apply: The customer goes to the law firm entrusted by the bank to handle the mortgage application procedures, including submitting personal information, paying various fees, and filling in legal documents.

3. Payment review: The law firm will conduct a preliminary review of the customer's application, and then the bank will review it; if the review fails, the customer's information and fees collected will be returned.

4. Other legal procedures: The law firm handles insurance, notarization, and mortgage registration and filing of collateral.

5. Loan disbursement: The bank transfers the loan amount to the developer's account and notifies the customer to start paying for the property.

Extended information:

The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1. Daily interest rate (0/000)=year Interest rate ()÷360=monthly interest rate (‰)÷30

2. Monthly interest rate (‰)=annual interest rate ()÷12

The bank can adopt the cumulative interest calculation method and Calculate interest by transaction-by-transaction method:

1. Accumulated interest method is based on the daily accumulated account balance in the actual number of days, and the interest is calculated by multiplying the accumulated accumulated amount by the daily interest rate. The interest calculation formula is: Interest = Accumulated Interest Accumulation Number × Daily Interest Rate, where Accumulated Interest Accumulation Accumulation Number = Total Daily Balance.

2. The interest calculation method calculates interest on a case-by-case basis according to the predetermined interest calculation formula: interest = principal × interest rate × loan period. There are three specific methods:

(1) Interest calculation If the period is a whole year (month), the interest calculation formula is: interest = principal × number of years (months) × annual (month) interest rate.

(2) If the interest calculation period has a whole year (month) and fractional days, the interest calculation formula is: interest = principal × number of years (months) × annual (month) interest rate principal × fraction Number of days × daily interest rate.

(3) The bank can choose to convert all interest calculation periods into actual days to calculate interest, that is, each year is 365 days (366 days in leap years), and each month is the actual number of days in the Gregorian calendar in that month. The interest calculation formula is: Interest =Principal×actual number of days×daily interest rate.

These three calculation formulas are essentially the same. However, since only 360 days are used in a year in interest rate conversion, but in actual calculation based on daily interest rates, 365 days are used in a year, so the results will be slightly different. deviation. Which formula is used to calculate the specific formula? The central bank gives financial institutions the right to choose independently. Can I get a loan only with my ID card?

There are two conditions for using your ID card to get a loan: 1. Prove your identity with your ID card; 2. Others will guarantee you. After meeting the above two conditions, you can apply for a loan directly with your ID card. The steps for applying for a loan with an ID card are: 1. Fill in the personal information of the applicant and the guarantor as well as family contact information; 2. Submit a copy of your ID card and work certificate, as well as the guarantor’s work certificate; 3. Bank review; 2. Approval Sign a loan agreement after approval; 5. After completing the above steps, you can disburse the loan. In the end, the borrower should not forget to repay the loan. Since the conditions for personal ID loans are much easier than other loans, there are many friends who want to obtain funds through this method.

Can I get a loan by going to the bank with my ID card?

Yes, but other information is required.

When applying for a bank loan, the ID card is one of the most basic documents. However, the ID card can only be the ID card of the borrower, which avoids the occurrence of fake loans and is not very useful for bank loans. , so if the borrower only provides his ID card, he cannot get a loan from the bank.

After all, in addition to confirming that the loan is yours, a bank loan must also understand the borrower's credit situation and repayment ability in order to assess the borrower's lending risk.

In order to avoid bad debt rates, banks will not approve loans to high-risk borrowers.

The reasons why the loan will not be approved if you only bring your ID card:

1. The credit conditions are not up to standard: When a borrower applies for a loan at a bank, the bank needs to conduct a comprehensive evaluation and review. For example, if you want to borrow money If the person has serious bad behavior or is currently overdue; or if the person has no stable job income or the personal debt ratio is too high, resulting in poor repayment ability, the loan will not be successful in the bank.

2. The loan application information is incomplete: For example, it is definitely not enough to provide only an ID card. Depending on the type of loan the borrower is applying for and the application channels, the loan application information will also be different, such as income certificate, Proof of employment and other documents are indispensable. If it is a mortgage loan, you must also provide the property ownership certificate of the mortgaged property, etc.

Loans (electronic IOU credit loans) are simply understood as borrowing money that requires interest.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds according to certain interest rates and must be returned. Loans in a broad sense refer to the general term for lending funds such as loans, discounts, and overdrafts.

Banks invest their concentrated currency and monetary funds through loans, which can meet the society's need for supplementary funds to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income. , increasing the bank’s own accumulation.

The "Three Characteristics Principle" refers to safety, liquidity, and efficiency. This is the fundamental principle of commercial bank loan operations. Article 4 of the "Commercial Bank Law" stipulates: "Commercial banks take safety, liquidity, and efficiency as their operating principles, implement independent operations, bear their own risks, be responsible for their own profits and losses, and self-discipline."

1. Loan safety is the primary issue faced by commercial banks;

2. Liquidity refers to the ability to recover loans within a predetermined time limit or to quickly realize cash without loss, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis for the bank’s continued operations.

For example, if a long-term loan has a higher interest rate than a short-term loan, the efficiency will be good. However, if the loan period is longer, the risk will increase, the safety will be reduced, and the liquidity will become weaker. Therefore, there must be harmony between the "three natures" so that there will be no problems with loans.