Legal analysis: you can't apply for a loan just by a copy of your ID card, but you need to prepare materials for online lending:
1, valid identity document 2, permanent residence certificate or valid residence certificate, and fixed residence certificate 3, marital status certificate 4, bank flow certificate 5, income certificate or personal assets status certificate 6, credit report 7, loan use plan or statement The online lending platform will strictly review individual application materials, and only those who meet the requirements can issue loans.
Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
2. Can I borrow a copy of my ID card?
1, when there is no bank to apply for a loan, it is necessary to inspect the application in many aspects, consider whether the lender is complicated, and provide various supporting materials, such as the bank's salary table, residence certificate, marriage, etc. , and must provide complete loan procedures. So you can't just use a copy of your ID card.
2.① The legal nature of the copy of the national identity card is different. Resident identity card is the only valid certificate for citizens to engage in related activities and prove their legal identity; A copy of the resident identity card is only a record of the appearance and surface text information of the certificate, which can only be used as a reference for verifying the citizenship information and has no legal effect of proving citizenship.
(2) Like ID cards, fingerprints are needed now. If you only have a copy of your ID card and can only know some superficial basic information about yourself, there is generally no way to get a loan.
3. If you are still worried, it is suggested that the purpose of this copy should be stated on it when you submit it next time, which may be relatively safe. The general format is divided into three lines: (it should be noted that it is best to cross or touch some strokes with the words in the copy and underline them to avoid adding other words. ) XX Bank's application for XX fund deduction is invalid only for other purposes.
Generally speaking, only one copy can't be borrowed.
Third, online loans allow me to give them copies of ID cards and household registration books. ...
Not credible, the loan can only be signed by the other company. The loan company will not operate across the city, so it is recommended to apply for a loan from a local regular loan company. General formal loan companies have the following basic loan conditions:
1, personal income (more than 2000 yuan per month)
2. Nature of work (civil servants, state-owned enterprises, institutions, listed companies and ordinary enterprises can apply, and self-employed individuals need a business license)
3. Personal credit record (good personal credit record, no overdue at present, no more than 90 days overdue)
Generally speaking, you can get the money within 1~3 days after you prepare the information. Be careful not to pay any fees before the loan is successful.
Need ID card, running water, work certificate, etc.
I suggest that you can inquire about the conditions of local formal loan companies in the accelerated loan, and choose to apply and handle according to your own situation. Good luck with your loan!