I can't lend my ID card to others. loans overdue needs me to take responsibility. It is recommended to contact the bank to feedback the actual situation.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Article 673 Where the borrower fails to use the loan according to the agreed purpose, the lender may stop issuing the loan, recover the loan in advance or terminate the contract.

Article 676 If the borrower fails to repay the loan within the agreed time limit, it shall pay the overdue interest in accordance with the agreement or the relevant provisions of the state.

What if my relatives take my ID card loan and don't pay it back?

If someone borrows money with your ID card, although it is written in your name, as long as you don't sign it at the scene, the loan has nothing to do with you and you don't need to bear any consequences. But if you lend your ID card to others, and the loan contract has your own signature, then you are the debtor.

1. First, negotiate with the person who borrowed your ID card and ask him to repay the loan on time. If the other party insists on not repaying the loan, it is best to repay the loan first and then find a way to get it back, otherwise the credit will be damaged by yourself.

2. You can ask the other party for repayment, especially if you don't sign a loan contract. Litigation can solve the problem more effectively.

Can someone else get a loan from 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.

This is the end of the introduction of relatives taking my ID card for loans to credit cooperatives. I wonder if you have found the information you need?