If someone wants to use your ID card to get a loan, I don't think it is possible. If your ID card is far from lending money to others, there is a certain risk, and if he doesn't pay it back when it expires, it will, uh, affect your credibility in the bank, your future development and your success rate in handling other important businesses.
Can someone else borrow money with my ID card?
People can't get a loan if they take my ID card.
Now loans are all real-name authentication, and you can only apply for loans with your own ID card.
Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date.
Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
Can someone else use my ID number for a loan?
If others know their identity information and have their own mobile phones, they may borrow money online in their own identities.
When handling a loan, the lending institution will generally check my identity information. If there is a problem with my personal identity, the lending institution will not handle it. Once you provide your identity information to others, others can borrow money in your name. If you don't repay on time, or even default, the lending institution will eventually ask you for repayment.
ID card loans are not paid only by ID cards, but by applying for micro-credit loans through online and mobile phones, submitting ID card information and personal information, and applying for loans by credit. In some informal lending institutions, it is entirely possible for you to apply for a loan in this situation.
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Basic procedures for applying for mortgage loans
The procedure for applying for a comprehensive personal consumption loan is not complicated, and generally goes through the following steps:
1. When the borrower applies for a loan, the law firm designated by the bank conducts a preliminary examination of the relevant materials submitted by the borrower.
2. The lawyer assists the borrower to handle the formalities of house appraisal, house mortgage registration, property insurance, etc.
3. The law firm shall issue a legal opinion and submit the relevant information of the borrower to the handling bank.
4. The handling bank conducts loan review and issues a loan commitment letter to eligible loan applicants.
5. The loan applicant shall open a special account in the handling bank, and sign the Personal Comprehensive Consumption Loan Contract and the Personal Comprehensive Consumption Loan Mortgage Contract, and the lawyer shall assist in the registration of home insurance and mortgage.
6. After obtaining the original house property certificate, the handling bank will transfer the loan amount to the account designated by the borrower.