If someone borrows money with his ID card, although the name of the party is written, as long as the party is not present to sign, the loan has nothing to do with the party, and the party does not need to bear any consequences. If you find that your ID card has been stolen by others, you should call the police immediately and call the loan company to tell you that I didn't make the loan myself. Generally, in addition to identity information, you need to sign a loan contract. The loan contract needs the lender's signature and handprint, and it can be determined whether it is signed by the parties themselves through appraisal. Stealing another person's ID card or using another person's ID card to borrow money is an illegal and criminal act and will be punished by law. Legal basis: Article 1 10 of the Civil Law stipulates that natural persons have the right to life, body, health, name, portrait, reputation, honor, privacy and marriage. Legal persons and unincorporated organizations enjoy the right of name, reputation and honor. Article 111 The personal information of natural persons shall be protected by law. Any organization or individual who needs to obtain other people's personal information shall obtain and ensure the information security according to law, and shall not illegally collect, use, process or transmit other people's personal information, or illegally buy, sell, provide or disclose other people's personal information. According to the People's Republic of China (PRC) Identity Card Law, it is illegal to use another person's identity card fraudulently, and it is punishable by a fine of more than 200 yuan but less than 1,000 yuan, or detention for less than 10 days. If there are illegal gains, the illegal gains shall be confiscated.
Can someone else use their own account to get a loan?
No, the loan should also carry the following information:
1. Permanent residence or valid residence certificate and fixed residence certificate;
2. Proof of marital status;
3. Bank flow;
4. Proof of income or personal assets;
5. Credit report;
6. Use plan or loan purpose statement;
7. Other information required by the bank.
Legal basis:
"Interim Measures for Personal Loans" Article 11 An application for personal loans shall meet the following conditions:
(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;
(2) The purpose of the loan is clear and legal;
(3) The amount, duration and currency of the loan application are reasonable;
(4) The borrower has the willingness and ability to repay;
(5) The borrower's credit status is good and there is no significant bad credit record;
(6) Other conditions required by the lender.
What if the other party stole my account book and ID card and went to the bank for a loan?
What if the other party stole my account book and ID card and went to the bank for a loan?
If you need to sign a contract in the bank to apply for a loan, others can't apply for a loan with your ID card. If this happens, you and the bank are both responsible.
Someone else applied for a loan with my ID card and household registration book. If the bank does it for him, what should the bank pursue
I won't handle it. I need to come to the bank to apply for a loan in person. If I do, it will be invalid.
What should my boyfriend do if he wants to borrow my ID card and account book to get a bank loan?
Well, well, it's hard to say first, apply for a loan with your ID card and account, that is, you are borrowing money, that is, the man borrows money directly from a bank or a private person (only if you sign it yourself), and the borrowed money is not for his own use (the guarantee is not much different); Second, of course, you have to pay back the money you borrowed; Third, if the boyfriend's friends do well in business. ...
How to borrow a bank loan? Only ID cards, household registration books and small loans.
Then you can't get a loan.
What proof do you need to get a loan of 60 thousand from the bank? Can I just bring my ID card and household registration book?
Going to the bank for a loan is to be mortgaged.
If you borrow money online, risk warning: those loans that require you to pay the advance payment or the first month interest are all liars. Be careful when you pay. He won't give you money. As long as the money doesn't hit your card, those who do the packaging in the early stage, pay the interest for the first month, and pay the verification funds to collect your money are liars! Who told you to pay first? 1, more than 0,000% came to cheat you. After you give him the money, his phone, QQ and WeChat can't be contacted anymore. Therefore, those who ask you to transfer money and remit money before the money arrives are liars!
Can I borrow 2000 yuan from the bank with my ID card and account?
It's impossible to get a loan in a bank only with your ID card and household registration book.
Credit companies can. You can ask the local credit company.
The son took his parents' household registration book and went to the bank for a loan. What if he doesn't get it back?
Lenders don't pay back what their parents need,
If the borrower fails to repay the bank loan on time, the banking institution will take the following measures:
1. The bank will call the borrower to collect debts.
2. If the borrower still fails to repay the debt after debt collection, there will be a certain penalty interest and a bad credit record for himself.
3. If the borrower still fails to repay the loan, the bank will send relevant staff to collect it in person.
4. If the borrower fails to repay the loan until the end, the bank will take legal measures to safeguard its own rights and interests. If the borrower applies for a mortgage loan, the collateral will be auctioned, and then the proceeds from the auction will be used to repay the loan.
Can I get a loan only by providing my ID card and account?
Under normal circumstances, it is difficult to apply for a loan only by providing ID cards and household registration books! To apply for a bank loan, you need to prepare materials: ID card, household registration book, marital status certificate, income certificate, education certificate, bank account number, and a copy of the printing license of your unit. Address proof!
No, there must be collateral and guarantor's things.
What if the boss wants my account book and ID card loan?
Be careful!
Red flag!
Just show your household registration book and ID card. If you can't keep them, don't give them or even copies.
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 higher than 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 someone else get a loan after taking my account?
Legal analysis: Generally speaking, hukou is for outsiders, and it is difficult for outsiders to use it for loans or other purposes. Because, the matters that need to be handled by opening a household registration book generally need to be handled by issuing ID cards and other materials. However, the household registration book has the legal effect of proving citizenship and family members, and is the main basis for household registration authorities to conduct household registration and verification. The householder shall properly keep the household register, and the public security organ requires that it is strictly forbidden to alter, transfer or lend it without permission. If it is lost, it must be reported to the household registration authority immediately. Hukou is a personal privacy and should not be given to outsiders. The act of giving it to an outsider may itself be suspected of violating the law (lending the household registration book), and its consequences may also reveal personal and family privacy, create opportunities for the perpetrators, and harm the interests of themselves and others. Generally speaking, you can't get a loan with only one household registration book.
Legal basis: Regulations of People's Republic of China (PRC) Municipality on Household Registration.
Article 3 Public security organs at all levels shall be responsible for household registration.
In towns with police stations, the jurisdiction of the police station shall be the domicile; Townships and towns without public security police stations shall be under the jurisdiction of townships and towns as household registration. Township and town people's committees and public security police stations are household registration organs.
The accounts that live in organs, organizations, schools, enterprises, institutions and public dormitories shall be designated by each unit to assist the household registration authority in household registration; Decentralized residence accounts are directly registered by the household registration authority at the place where the accounts are located.
The accounts of non-active servicemen living in military organs and military dormitories shall be designated by each unit to assist the household registration authority registered permanent residence.
Accounts of production cooperatives such as agriculture, fishery, salt industry, forestry, animal husbandry and handicrafts. , the designated cooperative should assist the household registration authority in household registration. Accounts other than cooperatives are directly registered in the accounts by the household registration authority.
Article 4 The household registration organ shall set up a household registration book.
Cities, waters and towns with police stations shall issue household registration books to every household.
Rural cooperatives issue household registration books as units; The household registration book is not issued to accounts outside the cooperative.
The household register and the items registered in the household register have the effect of proving citizenship.
Because others can borrow money from my account, others can borrow money from my account and be taken to court. What should I do? This concludes our introduction. I wonder if you found the information you need from it?