Legal analysis: It is illegal to find an ID card and not borrow money online. And when applying for a loan, the lender needs to prepare the following materials: 1, personal identification: ID card, residence permit, household registration book, marriage certificate and other materials; 2. Provide proof of stable income source: bank flow sheet, labor contract, etc. 3. Provide stable proof of address: such as house lease contract, water and electricity bill, property management and other relevant certificates; 4. Other information stipulated by the bank.

Legal basis: Article 17 of the Law of the People's Republic of China on Resident Identity Cards commits one of the following acts, and the public security organ shall impose a fine of more than 200 yuan but less than 1,000 yuan, or detain it for less than 10 days. Illegal income, confiscate the illegal income:

(a) using another person's identity card or using a forged identity card;

(2) buying, selling or using forged or altered identity cards.

Forged or altered identity cards and fraudulent identity cards shall be confiscated by public security organs.

I lost my ID card. Has anyone found a loan or secured loan?

1. Theoretically, if someone else takes your ID card and you are not there, you can't get a loan or take you as a guarantor. In fact, if someone else takes your ID card and you are not present, you can get a loan or take you as a guarantor. Because: A, the person who takes your ID card may look like you. B, there is a mole inside the bank, deliberately negligent. 3. Once found, call the police immediately, and the police will inform the bank. So you avoided the risk. If there is evidence that you know this situation, but you didn't call the police, you authorized it by default. You must bear all the consequences.

Answer in March 2022-17

Can I get a bank loan if I find my ID card?

If you can't find an ID card, you can go to the bank for a loan, because the bank will run and verify the ID card information. Only when the bank confirms that the loan applicant meets the relevant conditions of the loan will you handle the relevant business for the holder.

If the resident ID card is lost, it should explain the situation to the local public security organ in time and apply for a replacement. Usually, the original ID card will automatically become invalid after the new ID card is replaced.

Bank loans must be handled by myself with ID card, household registration book, education certificate, income certificate and other relevant certificates. It is impossible to get a loan with my ID card.