Who agreed? Not at all. Will people give you a loan if you don't go in person? He can be your guarantor, which requires him to go in person. It is not enough to have an ID card.
Second, can someone else use my ID card for a loan?
I can't.
With your ID card, others can't apply for loans in formal lending institutions, because formal institutions are strict in auditing, and it is impossible to get loans with ID cards, and there are also links such as face recognition and face-to-face signing.
If it is an informal lending institution, others may use your ID card to apply for a loan, but as long as others use your ID card to apply for a loan without your consent, it is illegal to use your ID card to apply for a loan, and you don't have to repay.
The simple and popular understanding of loan is to borrow money with interest.
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. 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.
The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.
The loan method is the way for banks to issue loans to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, secured loan and bill discount. Credit loan refers to the loan issued only by the borrower's reputation; Secured loans refer to secured loans, mortgage loans and mortgage loans; Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper, which can be regarded as a special form. At present, the supply of credit funds in China can be divided into three ways, namely, direct lending, indirect lending and loans from buyers and sellers.
Third, only my ID photo, can others take my ID photo to get a loan?
1. In general, it is impossible to apply for a loan. The borrower needs to bring the original ID card to the bank for an interview. You can't apply for a loan only if you have a positive and negative photo of your ID card.
2. Now online loans can't be done. Reality needs me to be there. Online lending requires your real-name authenticated mobile phone number, ID photo and my bank card.
3. At present, the data preparation and operation process of loans are becoming more and more strict and complete. In the application stage, it is necessary to provide not only the purpose and general flow of funds, but also detailed information such as personal identity and income. Personal loans can only be credit loans, which need to pledge a certain value of physical objects and securities.
4. After approval, when handling the loan formalities, the lender needs to go to the bank in person, fill in the loan information and sign it, and take photos in the bank monitoring area to leave a certificate.
5, the process of handling bank loans:
(1) The borrower applies for a loan.
(2) Prepare loan related materials.
(3) Customer Manager Loan Survey.
(4) Bank approval.
(5) Both parties sign a loan contract.
(6) Implement mortgage, pledge, unsecured contract or other guarantee contract.
(7) bank loans.
(8) Post-loan management.
(9) Repaying the principal and interest when the loan is due.
Extended data
Matters needing attention in loan:
1. When applying for a loan, the borrower makes a correct judgment on his economic strength and repayment ability according to the loan interest rate. Design a repayment plan according to your income level, leaving room appropriately, without affecting your normal life.
2. Choose the appropriate repayment method. There are two repayment methods: equal repayment and equal principal repayment. Once the repayment method is agreed in the contract, it shall not be changed during the whole loan period.
3. Repay on time every month to avoid penalty interest. From the month after the loan is initiated, it is generally the repayment date of the next month. Don't cause liquidated damages because of your negligence, so that banks can't apply for loans again.