No, the household registration book or ID card is only the basic information of the loan, but the parties can apply for an unsecured loan. Unsecured loan, also called unsecured loan, or credit loan. You don't need any collateral, just identification, income proof, address proof and other materials, as well as the loan you applied for from the bank. Banks issue loans according to personal credit conditions, and the interest rate is generally slightly higher than that of secured loans. Customers can choose the loan term according to their individual circumstances, and then sign a contract with the bank, which is guaranteed. Generally speaking, unsecured loans need to meet the following conditions:

1. If you have a stable income, you need to provide the corresponding bank flow as proof, that is, you need to punch in your salary, and your monthly income should not be less than 2,000 yuan within half a year. Banks require different enterprises to provide the company with the running water of the past six months.

2. If you have lived and worked in the local area for 6 months, you need to provide any water, electricity, coal and electricity bills of your place of residence for nearly half a year as proof. The unit will issue a work certificate and must be a formal employee who has passed the probation period.

3. Good credit record, that is, the credit card cannot be overdue, twice in half a year, three times in the past year and no more than 60 days. At the same time, if there is a loan record, there may be no overdue repayment record. If you have never used a credit card and have no loan, you can also apply for an unsecured loan if your credit is blank. application document

1. Business license, organization code and tax registration certificate of the loan applicant. Identity card of the legal representative. 3 copies of the loan applicant's basic account account opening permit. The company account flow of the loan applicant in the previous year, and the personal bank flow that can reflect the operation of the enterprise. Office land lease contract or real estate license. The loan applicant's business premises rent invoice, utility bill and property fee bill in the last month can be used. The latest rent receipt of the loan applicant or the utility bill of the individual residence. 7. The tax payment certificate of the loan applicant in the last three months can provide the tax payment certificate issued by the tax bureau, or the running details of the tax account, or the business tax and value-added tax invoices. 8. Business licenses for special places must be provided, such as hygiene licenses, road transport business licenses, and special industry business licenses.

Legal basis:

Article 3 of the People's Republic of China (PRC) Commercial Bank Law is issued and used in accordance with national laws, administrative regulations and administrative regulations issued by the People's Bank of China. The principles of efficiency, safety and liquidity should be followed.

Article 4 Lenders and borrowers shall follow the principles of equality, voluntariness, fairness, honesty and credibility.

Article 5 Lenders shall follow the principles of fair competition and close cooperation when conducting loan business, and shall not engage in unfair competition.

Article 6 The People's Bank of China and its branches are the supervisory institutions for implementing the general principles of loans.

Excuse me, can someone else borrow money from the bank with my account book?

You can't borrow money with someone else's ID card and household registration book. Only when the parties come forward in person, meet the conditions of bank loans, and provide relevant materials, can they get loans, as follows:

1, three secured loans The three operating economic entities are linked by their respective industrial and commercial certificates, guaranteeing each other and lending to banks; Requirements for loan procedures: provide my identity certificate, household registration book, marriage certificate, industrial and commercial certificate, tax certificate, cash flow, business status and other relevant certificates, and the repayment person is the person in charge of various businesses; The mortgage loan takes the real estate as the mortgage loan, that is, the real estate (real estate) as the mortgage and the business enterprise (industrial and commercial license) as the lender to apply for the loan.

2. Requirements for loan procedures: identity certificate of the lender's husband and wife, household registration book, marriage certificate, house ownership certificate, land certificate (or copy), business license, tax registration certificate, income certificate, bank capital flow and house evaluation report; This is definitely impossible. The essential reason is that you used the borrowed money, and the risk was borne by others. But through this essence, you can change your mind, use someone else's ID card and household registration book to get a loan, and then ask him to lend you the money. As for what kind of guarantee measures you both agree on, you can agree on it, which has nothing to do with the bank. Never lend your ID card to others for a loan, because the loan record will be recorded in your name, so the debt is yours, and you have to pay it back if he runs away. The materials needed to handle the loan are:

1. Common identification documents: ID card, residence certificate, household registration book, marriage certificate and other materials;

2. Proof of economic income sources such as bank flow sheets and labor contracts;

3. Proof of stable residence, such as house lease contract, water and electricity bill, property management and other relevant certificates;

4. Other materials required by the lending institution. This practice is very dangerous, and you have to bear the responsibility of repayment. Of course, applying for a loan requires proof of identity. You can't apply for a loan through formal channels.

Conditions to be met in handling formal channel loans:

1. The lender is at least 18 years old, and generally not over 65 years old, and is a citizen of China with full civil capacity. Foreigners can't handle it.

2. The lender has a fixed residence in the place where the lending institution is located, and has a local account.

3. The lender has a good credit record and repayment ability, stable operation and income, and no bad promises.

4. Some loans also require borrowers to submit collateral and guarantor's guarantee.

Can I borrow money from my family's account?

The account book can't be borrowed directly. If he borrows money in the name of your family, whose name is it and who is the bank looking for? If you borrow money from your real estate or other property, the real estate is collateral. If a relative himself is in your household registration book and he borrows money in his own name, then after his death, the loan has nothing to do with other members of your family. The obligation to repay the loan is divided only by the property jointly owned by husband and wife.

Can I get a loan from Ping An Insurance with someone else's account?

No, because you can only apply for a loan with your own account book, not someone else's account book.