You can't. The loan requirement is to use my ID card to handle the loan, and the bank is obliged to verify the identity of the lender in detail.
According to the Announcement on Standardizing the Use and Management of Resident Identity Cards
Five, state organs or relevant units and their staff should conscientiously fulfill the obligation of identity card verification, and strictly implement the responsibility of checking the identity card. Those who fail to perform their verification obligations according to law and cause damage to citizens' legitimate rights and interests or public interests shall be investigated for responsibility in accordance with relevant regulations. Citizens should consciously cooperate with the verification of resident identity cards and safeguard their legitimate rights and interests according to law.
Six, the staff of state organs or relevant units in the process of performing their duties or providing services, should be on the spot to check the identity card, identity card consistency, not to record the personal information of citizens on the identity card.
10. The masses are welcome to actively report to the public security organs and relevant competent departments illegal and criminal acts such as forging, altering, buying and selling, fraudulently using resident identity cards, and leaking, stealing, buying and selling, fraudulently using citizens' personal information, and the public security organs will severely crack down on them according to law.
Extended data:
If the resident identity card is fraudulently used by others, the fraudulent user and the auditing department shall bear corresponding legal responsibilities.
According to Article 17 of the People's Republic of China (PRC) Identity Card Law, anyone who commits one of the following acts shall be fined between 200 yuan and 1,000 yuan by the public security organ, or detained 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.
Baidu Encyclopedia-People's Republic of China (PRC) Identity Card Law
What if I lose my ID card and get a loan from someone else?
What if I lose my ID card and get a loan from someone else?
You should report the loss as soon as possible, the sooner the better. In addition, it is best to communicate with the bank in time to stop lending. If the bank has already lent money, you should also communicate with the bank to see what to do.
What if I lose my ID card and get a loan from someone else?
It's impossible. You can't get a loan with only one ID card. It doesn't matter that so many people have lost their ID cards.
I lost my ID card and household registration book. What should I do if someone else loans me?
Hello, I suggest you apply to the police station where your household registration is located in time to report the loss of your ID card, otherwise you need to pay off the loan of others!
I lost my ID card and bank card. What if someone else takes the loan?
After a citizen loses his identity card, if the resident identity card is fraudulently used by others, the fraudulent user and the examination department shall bear the corresponding legal responsibilities, and the person who loses his identity card shall not bear the responsibility.
If the personal identity card is stolen, resulting in a bad credit record, then the parties can appeal on the premise of sufficient basis, and the court will make a ruling.
The court finally ruled that the parties did belong to the bad credit records caused by the theft of their ID cards, and the bad credit records of the parties could finally be eliminated in the bank credit information system.
2. If the parties have no reasonable basis to prove that their bad credit records are caused by the theft of their ID cards, then they need to bear the corresponding legal consequences.
On the one hand, to pay off the arrears, and at the same time, to eliminate bad credit records, we can only use new credit records to cover the original credit records.
3. The longest retention time of personal bad credit records is five years. The parties concerned shall keep a good credit record within five years from the date of arrears, and the bad credit record can be eliminated after five years. If necessary, it can be solved through legal channels.
If I lose my ID card, will someone else take it for a loan?
Go to the police station to report the loss of your ID card.
The police station will put your ID card on the certificate of loss of control.
It is the bank's fault to accept ID cards and issue loans.
The bank assumes responsibility
None of your business.
What should others do with my ID card loan?
Your ID card was fraudulently used, and you paid off the loan. You should report to the public security organ immediately.
Otherwise, the loan may be charged to your account in the future.
After reporting the case to the public security organ, you can at least be relieved of your responsibility by filing a case.
I lost my ID card. What should I do if someone else borrows money to buy a car?
1. When answering questions from netizens, the Ministry of Public Security made it clear that citizens do not need to report the loss or make an announcement in the newspaper after losing their ID cards. If the resident ID card is lost and used by others, the user and the examination department shall bear corresponding legal responsibilities, and the person who loses the ID card shall not bear any responsibilities. 2. To sum up, you lost your ID card, and there is no fault in using it falsely, so it is unnecessary. ...
What should others do with my ID card loan?
1. If someone can't repay the loan with your ID card, you won't go to jail.
2. Others borrow money with your ID card. Although it is your name, the loan has nothing to do with you as long as you are not present to sign it.
3. According to Article 32 of the Contract Law, if the parties conclude a contract in the form of a contract, the contract is established when both parties sign or seal it.
Signature must be signed by himself or himself, and notarized power of attorney should be provided for signature.
If you sign or press your fingerprint, you are the debtor. Or there is evidence that the loan funds are actually used by you in part or in whole, you should bear the obligation to repay. If the repayment is not made on time, the bank can enforce it through the court.
Only the ID card can't be loaned, so you can call the police directly.
1. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that loans can be made only with ID cards. 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. ID card is only the necessary material for loan, and the most important thing is to provide proof of income and prove that you are suitable for credit loan.
At present, there is no loan product that can be obtained only by ID card. No matter what kind of loan, in addition to the ID card, at least another proof should be provided. In the process of loan, ID card is only an essential thing. In addition, don't pay any fees before the loan arrives to prevent being cheated.
I lost my ID card. Can someone ask me for a loan?
The identity card may be fraudulently used, but it is not responsible.
The Ministry of Public Security pointed out in its comprehensive reply to the relevant questions about the loss reporting and replacement of resident identity cards that resident identity cards are the legal identity documents of citizens, and their main function is to prove their identity when engaging in relevant activities. When a citizen uses a resident identity card to prove his identity, all relevant departments have the obligation to check the consistency of the witness card, and can handle relevant business for the holder only after it is confirmed to be correct. If a resident's ID card is lost and is fraudulently used by others, the fraudulent user and the relevant departments should bear corresponding legal responsibilities, and the person who lost his ID card is not responsible for the behavior that he did not implement. The Law on Resident Identity Cards also clearly stipulates that anyone who fraudulently uses another person's resident identity card shall be fined between 200 yuan and 1,000 yuan by the public security organ or detained for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated.
Will someone get a loan if they lose their ID card?
If you lose your ID card, others will stop lending. When the bank handles the loan, it will review the borrower's information and find that it is not handled by itself, and the bank will refuse the loan. Conditions for applying for loan business: natural person of age 18-65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information and no bad records; Other conditions stipulated by the bank. Materials to be prepared for the loan: ID cards of both husband and wife of the borrower; The borrower's household registration book/foreigner needs temporary residence permit and household registration book; Marriage certificate/divorce certificate or court judgment/single certificate; Proof of income; Academic certificate; Bank flowing water; Other attributes; Copy of the business license of the unit (with official seal); Large deposit certificates, etc. ; If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements; Other information required by the bank. The process of handling bank loans: the borrower applies for loans; Prepare loan related materials; Account manager loan survey; Bank approval; Both parties sign a loan contract; The execution of mortgage, pledge, unsecured contract or other guarantee contract; Bank loans; Post-loan management; Repay the principal and interest when the loan is due.