The borrower applies for a credit loan in the bank with his personal ID card, and the credit limit is related to the borrower's personal qualification. With good credit information and stable proof of income and assets, you can apply for a higher amount. The loan amount is at least 50,000 yuan, and the loan term is 1 ~ 10 year. Law of the People's Republic of China on Resident Identity Cards Article 12 When a citizen applies for a resident identity card, the public security organ shall handle it in a timely manner in accordance with the provisions. The public security organ shall issue resident identity cards within 60 days from the date when citizens submit the registration form of resident identity cards; In areas with inconvenient transportation, the processing time may be appropriately extended, but the extension time shall not exceed thirty days. Citizens who urgently need to use their resident identity cards during the application, renewal and replacement of their resident identity cards may apply for temporary resident identity cards, and the public security organs shall handle them in a timely manner according to laws and regulations. The specific measures shall be formulated by the public security department of the State Council. The relevant units and their staff members shall keep confidential the personal information of citizens recorded in the resident identity cards obtained in the course of performing their duties or providing services.
How much can I borrow from an ID card loan?
Factors affecting loan amount
1, loan platform
Different loan platforms have different loan amounts. Most ID card loan platforms only provide loans of less than 50,000 yuan.
2. Loan eligibility
Take borrowing as an example. The standard for evaluating the lender's quota is sesame credit score, and the starting line is 600 points. If two people apply for a loan at the same time, one is 620 points, and the other is 730 points, then the amount of people with 620 points will not be too high, and they may only be able to borrow 5,000 yuan, while those with 730 points may be able to borrow 30,000 yuan.
Analysis of ID Card Loan Amount
Below 1 and 1 million.
Small ID card loans below 65,438+0,000 yuan are represented by qq cash loans and lightning loans. The maximum amount of qq cash loan is 3,000 yuan, and the maximum amount of lightning loan is 1 ten thousand yuan. ID card loans below 65,438+0,000 are small short-term flexible loans.
Within 20,000 to 50,000 yuan
ID card loans within 50,000 yuan include Gitzo's Jiexian loan and China Construction Bank's fast loan. The maximum amount of Jiexian loan is 40,000, so long as the monthly income is above 2,000, you can apply, while the maximum amount of CCB quick loan is 50,000, and you need to handle relevant business in CCB before you can apply.
More than 30 thousand, more than 50 thousand
More than 50,000 ID card loans are relatively large, and such large ID card loans have high requirements for personal monthly income and credit information. For example, the lightning loan of China Merchants Bank can reach up to 500,000 yuan, and the salary loan of China Bank can reach up to 200,000 yuan.
How much can I borrow my personal ID card?
It has become the mainstream of the loan industry. Simple and convenient, there will be no great repayment pressure. Students, white-collar workers and wage earners will regard it as an indispensable artifact. Then, how much can I borrow my personal ID card? At present, many products on the market have different quotas, and the quotas also change according to the qualifications of the applicants. Let's look at the specific amount.
Quota: ranging from several hundred to tens of thousands.
Amount: 500-5000 yuan.
Borrowers can get loans here as long as they have ID cards and Taobao account numbers. There are three periods: 30 days, 60 days and 90 days.
Amount: up to 5000 yuan.
Free loan is a product jointly launched by Shanghai 2345 Hailong Finance and BOC Consumer Finance, which can be handled in cash with ID card. You can apply for a loan by downloading the random loan app, and you can get cash in 2 minutes and lend it directly to the bound bank card.
Quota: as low as 1000, as high as tens of thousands.
You can apply for a loan as long as you verify it with your ID card. With ID card and bank debit card, the borrower can fill in the relevant information, apply for ID card loan in 3 minutes at the earliest, and withdraw cash from the account on the same day. The monthly handling fee rate is 1.5%-2%.
Amount: the minimum is 3,000 yuan and the maximum is 60,000 yuan.
/kloc-More than 0/8 China citizens can apply for a light rain loan through their ID cards, bank records in the last three months and residence certificates.
Amount: 1000-50000 yuan.
Xiaohua Dried Flower is a special platform, which only supports WeChat official account application. Just submit the real ID information when applying, and it will be automatically approved within the limit of 1 10,000, and the payment will be made within 3 minutes at the earliest, without mortgage or sesame seeds.
Line: 500 yuan, 1000 yuan or 1500 yuan.
And the loan is a famous ID card APP. The APP provides emergency loans and installment loan products. The term is 30 days and the daily interest rate is 0.03%. And provide the borrower with an installment loan of up to 20,000 yuan, with the longest term of 12 months.
Related introduction:
What are the trustworthy personal ID cards?
What ID cards are you interested in here?
There are too many products on the market to list all the personal ID cards, so I just sorted out the above today, hoping to help you. If the quota of the above platforms can't meet you, the same low threshold will be paid quickly.
Can provide you with more high-end choices, click
You can apply.
What is the maximum amount of ID card loan?
The fiery ID card loan has been heated up. As we all know, the ID card loan we are talking about is a kind of credit loan. Need to remind everyone that ID card loans not only need ID cards, but only ID cards can't get loans. What is the amount of ID card loan applied by general institutions, and what is the maximum amount? Let me introduce you here.
Applying for an ID card loan (credit loan) is different in different banks, and the average bank will not exceed 60,000 yuan.
First of all, it is very difficult to apply for an ID card loan. Generally, large state-owned banks do not support personal identity cards, and only postal banks and rural credit cooperatives have some credit loans. Second, applying for personal credit loans requires establishing good relations with postal banks and rural credit cooperatives. Third, according to your income, you can't finally apply for many personal credit loans, because there are many factors to consider in the amount. In addition, the welfare of foreign capital is not reflected in the salary table. Only the salary of 3,000 yuan/month is considered, and it is not bad to borrow 50,000 yuan at most.
Bank form: up to 6 times salary.
Other forms (non-big banks): Personal credit loans are generally 10- 15 times that of providing qualification certificates.
What is the amount of ID card loan?
ID card loan is a loan method that has emerged in recent two years. It is precisely because of its quick loan and simple application that it is sought after by many borrowers. Besides worrying about the security of ID card loans, we also pay special attention to the amount of ID card loans. So, how much is the ID card loan amount? I'll tell you today.
According to our understanding, the amount of ID card loans is generally1-200,000 yuan. The specific loan amount of ID card loan needs to be reviewed and evaluated in combination with the borrower's income. The borrower can only determine the loan amount after submitting relevant information.
Moreover, the loan amount of loan products of different companies is different. Generally speaking, as long as borrowers meet the loan conditions, their quota needs can basically be met. Next, I'll give you a brief introduction:
Small loans with ID cards below 1 and 1 10,000 are suitable for daily turnover needs, such as paying rent. Small ID card loans below 65,438+0,000 yuan are represented by QQ cash loans and lightning loans. The maximum amount of QQ cash loan is 3,000 yuan, and the maximum amount of lightning loan is 1 ten thousand yuan. ID card loans below 65,438+0,000 are small short-term flexible loans.
ID card loans within 25,000 yuan include Gitzo's cash loans and CCB's fast loans. The maximum amount of the first type is 40,000, and you can apply as long as your monthly income is above 2,000, while the maximum amount of the second type is 50,000, and you need to handle relevant business in CCB to apply.
The ID card loan of more than 35,000 yuan belongs to a relatively large amount, and this kind of large ID card loan requires high personal monthly income and credit information. For example, the lightning loan of China Merchants Bank can reach up to 500,000 yuan, and the salary loan of China Bank can reach up to 200,000 yuan.