Is it risky to borrow an ID card?

What are the bad consequences of lending your ID card to others?

If someone borrows money with your ID card, although it is written in your name, as long as you don't sign it at the scene, the loan has nothing to do with you and you don't need to bear any consequences. However, if you lend your ID card to others for a loan, and the loan contract has your own signature, then you are the debtor, and you will bear the consequences if others do not repay:

1. Telephone dunning: If loans overdue lasts for two or three days or a week, the lender will think that the borrower (who enjoys low-interest loans) may send a goodwill message to remind you to repay the loan on time. But if loans overdue exceeds a certain period of time, the lender will take measures to urge the borrower. Texting harassment and phone bombing are all their usual methods.

2. High penalty interest: Some lending institutions (how to quickly approve loans? ) The overdue interest is very high, and there are even liquidated damages, which increases the difficulty of your repayment and forms a vicious circle. There have been news reports that someone borrowed more than 6,000 yuan to buy a mobile phone in installments, with a monthly payment of more than 800 yuan. The penalty for non-repayment for two months has accumulated to more than 3,000 yuan, which shows how high the penalty interest is.

3. Credit damage: If you don't repay for a long time, your overdue records will be entered into the central bank's credit information system, and your personal credit will be tarnished. If you don't pay off the loan, this stain will accompany you for life. Even if the loan is paid off, it will take five years to pay off. During this period, your life will be greatly affected, and the consequences of not being able to handle a bank, buy a plane ticket or stay in a hotel will make you unable to move.

What if someone else holds my ID card and doesn't repay the loan?

1. First, negotiate with the person who borrowed your ID card and ask him to repay the loan on time. If you are friends, you may be embarrassed to repay the loan first. But if he stubbornly refuses to repay, you can't do anything about him at the moment. It's best to repay the loan yourself first, and then try to get it back, otherwise your credit will be damaged.

2. If someone doesn't repay the loan with your ID card, you can also go to court, especially if you don't sign the loan contract yourself. Litigation will be an effective solution. But if there is your autograph on the contract, and you have no evidence to prove that others use your ID card to borrow money, then even if you go to court, there is no chance of winning.

Can I get a loan with my ID number?

You can borrow money with your ID number. You can borrow money by providing your ID number on the following platforms: Hare Wallet: Emergency Money ATM: Magic Wallet. Attention: Beware of personal and property safety!

If you only know your ID card, you can get a successful loan, especially for some people, the process is very simple, and the information review is even more ineffective. If someone knows your ID number, you can get a successful loan.

1. For some informal lending institutions or software, their review process is very simple. Many times, you need an ID card to get a successful loan. Identity card credit loans are characterized by low amount, fast payment and easy access, and most of them do not look at credit information. The materials to be submitted include personal ID card, income certificate, mobile phone operator authentication, real-name authentication, credit card in one's own name, etc., although it looks better.

2. Therefore, you must pay attention to protecting your identity information at ordinary times, and be more careful about websites or platforms that may disclose your identity information, because once your identity is revealed, the impact will be great, and others will probably use your identity to borrow money. If you fail to repay the loan within the time limit, you will be the last to be affected. This kind of thing must be more careful at ordinary times, and you should report the loss and reissue it in time after losing your ID card.

3. Loans should also be handled through formal and legal institutions. Don't be confused and poor because the process is simple and convenient. After that, things are very complicated, especially for students. Don't trust loan advertisements casually. This will probably ruin your life. Now the country is very interested in credit reporting. Don't lose big because of small things.

ID number can be used for loans, and the following platforms can provide ID number loans.

1, rabbit wallet:

Hare wallet can be paid only by the borrower filling in his personal ID number. Loans of 1000 to 5,000 yuan can be provided. However, there will be a manual return call on this platform, and everyone should keep their mobile phones open.

2. Emergency ATM:

Urgent money ATM has no special requirements for borrowers. As long as you fill in the ID number and real-name authentication, you can usually borrow money. Self-employed people and people without fixed jobs can also apply. The quota is between 500- 1000 yuan, and the daily interest rate is 0.06%.

3. Magic wallet:

The magic wallet can borrow money by filling in the personal ID number and performing face recognition. Its loan amount is between 500-2000 yuan.

How to apply for a loan with an ID card

There are two conditions for borrowing money with an ID card: (1) proving identity with an ID card; Others guarantee themselves. After meeting the above two conditions, you can apply for a loan directly with your ID card. The steps of applying for a loan with an ID card are as follows: (1) Fill in the personal information and family contact information of the applicant and guarantor; Submit a copy of my ID card and work certificate, as well as the guarantor's work certificate; , bank audit; Sign a loan agreement after approval; After completing the above steps, the loan can be released. Finally, the borrower should not forget to repay. Because personal ID card loans are much easier than other loans, many friends want to get funds in this way.

How to get a loan with an ID card?

You can't borrow an ID card, which is a necessary material to apply for a loan. It is often said that most ID card loans are credit loans, which can be applied without mortgage, but not just an ID card. Ordinary borrowers need to have a certain income and a stable job. If the borrower's occupation is civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers, managers, etc. It is easier to apply for such a loan.

Information required for loan

I. Mortgage loan

1, individual housing loan:

(1) Identity certificate, marriage certificate and household registration book of the borrower and spouse;

(2) proof of income and running water;

(3) proof of down payment, purchase contract and other materials required by the bank;

2. Personal consumption loans:

(1) Identity certificate, marriage certificate and household registration book of the borrower and spouse;

(2) proof of income, real estate license, use contract, etc. ;

3, personal (enterprise) operating loans:

(1) Borrower's identity certificate, marriage certificate and household registration book;

(2) proof of income, personal running water, real estate license and sales contract;

(3) Business license, account opening permit, organization code certificate, tax registration certificate, articles of association, enterprise running water, etc.

Second, credit loans.

1, no personal guarantee:

(1) Borrower's identity certificate, marriage certificate and household registration book;

(2) proof of income, personal running water and proof of income;

(3) enterprise statement (property certificate, driver's license, stock and other asset certificates);

2. Enterprises are unsafe:

(1) Borrower's identity certificate;

(2) the company's business license, tax registration certificate, account opening permit, organization code certificate, articles of association and capital verification report, official seal, company's annual running water, personal running water, enterprise statement, tax payment certificate for the last six months, etc. (Property certificate, driving license, stock and other assets certificates).

Third, housing provident fund loans.

1, housing provident fund loan for commercial housing:

(1) The borrower and the original and photocopy of the borrower's resident ID card and household registration book (* * * with repayment and guarantor) and * * * with repayment commitment letter;

(2) proof of marital status (if married, provide a copy of marriage certificate, and other information shall be issued by the unit or police station);

(3) Legal commercial housing purchase contract or agreement;

(4) Personal credit certificate provided by the borrower and the borrower's unit;

(5) Effective proof that the borrower has paid not less than 30% of the house purchase price;

(6) Effective guarantee certificate;

(7) The auction property of housing provident fund loan must be the property with mortgage agreement signed by the developer and the entrusted bank, and the borrower can go through the loan formalities through the mortgage bank.

2. Second-hand housing provident fund loans:

Second-hand housing management is based on the purchased housing as collateral, and the following information must be supplemented on the basis of providing the above information:

(1) Copy of the Seller's ID card and household registration book;

(2) The original and photocopy of the real estate license;

(3) An assessment report issued by an assessment agency recognized by the Provident Fund Management Center;

(4) Tripartite agreement between the intermediary agency recognized by the Provident Fund Management Center and the buyer and seller;

(five) mortgage registration shall be handled by the real estate transaction department at or above the district level.

How to use ID card for loan?

Question 1: How to get a loan with an ID card? There are many articles on the Internet about using personal ID cards to handle loans. So, can I get a loan just by my ID card? In fact, the ID card is the legal identity certificate of the borrower and one of the most basic conditions for the loan. Even if it is a credit loan, you may not be able to get the money just by taking your ID card. If you want to get loans from banks or non-bank lending institutions, you must have certain repayment ability and credit status, otherwise it is easy to form bad debts. However, in the case of weak economic ability, it is not necessarily impossible to use the factory certificate loan. Then in fact, it is very simple, that is, looking for a third-party guarantee institution, you can apply for micro-credit loans and secured loans with your personal ID card. Because there is a guarantee company guarantee, lending institutions are more at ease. At this time, you can take your ID card to get a loan. The guarantee company is more risky and may charge more service fees (guarantee fees) than the bank.

Question 2: Can I get a loan with my ID number? You can't get a loan just by your ID card.

Application conditions:

1, Chinese mainland residents aged 18;

2. Have a stable address and work or business place;

3. Have a stable source of income;

4. Without a bad credit record, the loan cannot be used for stock trading or gambling.

5. Other conditions required by the bank.

Processing flow:

1. Submit an application to a local bank or lending institution;

2. Prepare various materials required for the loan;

3. Face-to-face signing of banks or lending institutions;

4. The bank examines the qualifications of the lender;

5. Approved and successful loans.

Question 3: How much can I borrow from the bank with my ID card? You can't apply for personal loans through bank channels only with your ID card. If your city has China Merchants Bank and has certain solvency, you can try to apply through China Merchants Bank. Each loan project requires different conditions and application materials. Please call the customer service hotline of China Merchants Bank at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter manual service, so as to provide loan purposes and learn more about the city. Whether your loan application is approved or not, please refer to the comprehensive audit results of the personal loan department of the handling bank.

Question 4: How to use an ID card to get a loan? Application materials to be provided when applying for a loan:

(1) Original and photocopy of the borrower's valid identity certificate;

(2) local permanent residence or valid residence identity certificate

(3) The borrower's loan repayment ability certificate. Such as the income certificate issued by the borrower's unit, the borrower's tax bill, insurance policy, etc.

(4) The list of pledge, collateral and ownership certificate required by the borrower to obtain the amount of pledge and mortgage, and the written document of the owner and property * * * agreeing to pledge and mortgage.

(5) A written document in which the guarantor agrees to provide the required guarantee for the borrower to obtain the guarantee amount.

(6) Credit certification materials of the guarantor.

(7) Collateral appraisal report issued by the appraisal department recognized by the society.

I hope I can help you.

Question 5: How can I get a loan on my mobile phone with my ID card? 1. Most of the current ID card loans are credit loans, that is, loans can be made without mortgage, but it does not mean that loans can be made only with ID cards. You need to have a certain income certificate and a stable job, which is more suitable for civil servants, teachers, employees of state-owned enterprises, stable entrepreneurs, white-collar workers and managers. ID card is only the necessary material for loan, and the most important thing is to provide proof of income and prove that you are suitable for credit loan.

At present, there is no loan product that can be obtained only by ID card. No matter what kind of loan, in addition to the ID card, at least another proof should be provided. In the process of loan, ID card is only an essential thing. In addition, don't pay any fees before the loan arrives to prevent being cheated.

Question 6: I want to use my ID card to get a loan from a rural credit cooperative. I want the rural credit cooperatives to pay off the loan first and give you an explanation. Otherwise, report to the local banking supervisor and let them get more than one bargained for.

Question 7: Is it credible to borrow with an ID card? Friendly reminder of Baidu anti-alliance team:

All the information posted on the Internet that you can borrow money or apply for a large credit card with your ID card is a low-level scam. Don't trust the company whether it is registered or not. Liars will trick you into signing a contract, and then ask you to pay the first month's interest, performance fee, deposit, insurance fee, guarantee fee, loan fee, notary fee, mortgage fee, card opening fee, etc. Step by step. In the name of insufficient bank flow, checking repayment ability or capital verification, it is required to transfer all the funds in the account to the liar's account. If you don't pay, the swindler will threaten you to breach the contract and pay huge liquidated damages in the name of signing a contract with them. This is really a low-level means and typical!

Don't believe the threat of any liar. Because the other party is suspected, the contract signed with the liar has no legal effect and there is no breach of contract. Please always remember that it is absolute for the other party to ask you to pay any fees in advance for any reason. Under no circumstances should you send money or transfer money to others first, so as not to be cheated!

Therefore, I would like to remind netizens not to believe such loan or card information released by various online investment and financing guarantee companies and various microfinance companies, especially in big cities such as Beijing, Shanghai, Guangzhou and Shenzhen, which are basically liar companies! If you are cheated, regardless of the amount, please choose to call the police! So rampant, please also ask local public security organs to vigorously crack down on rectification!

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Intellectual heroes interested in anti-alliance, come and join the anti-alliance team. Please click on the anti-alliance application below to join, answer questions and help others together, so that the world can't cheat without you!

Question 8: Can I get a bank loan with my personal ID card? Bank loans can be issued on behalf of personal identity cards, but some conditions must be prepared.

Personal ID card loan is a popular micro-credit in the market at present, which is based on personal credit record and repayment ability. The lender will be required to provide relevant certification materials such as identity, residence and income.

The basic requirements for personal ID card loans are:

1. The lender is required to be between 22 and 55 years old.

2. The loan amount is RMB 20,000-654.38+10,000.

3. The loan repayment period is 6-48 months.

Basic loan conditions

Judging from the current reality, the basic conditions of micro-credit loans are:

1. Chinese mainland residents;

2. Have a stable address and place of work or business;

Third, there is a stable source of income;

Four, no bad credit record, loan purposes can not be used as stock trading, gambling and other acts.

To apply for a personal ID card loan, you need to provide the following supporting materials:

1. Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials;

2. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates;

3. Provide stable proof of income source, bank flow sheet and labor contract.

With the above conditions, you can go to the bank to apply for a personal ID card loan.

Question 9: How to check whether the ID card has applied for a loan, and go to the credit center of the local people's bank to check the personal credit record? Or your province or city belongs to the pilot scope, you can log on to the online service platform of the personal credit information center to inquire about personal credit records. At present, the provinces supported by the personal credit service platform of the Credit Information Center are: Jiangsu, Sichuan, Chongqing, Beijing, Shandong, Liaoning, Hunan, Guangxi, Guangdong, Zhejiang, Tianjin, Xinjiang, Shanghai, Hubei, Qinghai, Hebei, Anhui and Inner Mongolia, and the rest provinces are temporarily disconnected. Please be patient.

China People's Bank Credit Information Center Service Website: pbccrc/

Personal Credit Information Service Platform of Credit Information Center: ipcrs.pbccrc/

List of Internet Personal Credit Information Service Platform Service Pilot Areas: ipcrs.pbccrc/html/sddq

Question 10: How can I check whether my ID card has been fraudulently used by others 100 points? Hello, you can apply to the local people's bank with your ID card to check your credit history. Your loan situation is clear at a glance.

Or register in official website, the personal credit information service platform of the Credit Information Center of the People's Bank of China.

Can I get a loan for my ID card?

Yes, as long as the following conditions are met:

1, at least 25 years old, with full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

2. Have a fixed occupation or stable economic income, and be able to guarantee the ability to repay the principal and interest on schedule.

3. Good credit record and no bad credit record.

4. It can provide legal and effective guarantee recognized by the bank.

5. Other conditions stipulated by the bank.

Application procedure

1. Signing subscription book: The customer signs subscription book with the real estate development company that has signed a contract with the bank and pays the down payment to the real estate development company.

2. Application: The customer goes to the law firm entrusted by the bank to apply for mortgage, including submitting personal data, paying various fees and filling out legal documents.

3. Payment review: the law firm conducts a preliminary review of the client's application and then the bank approves it; If the audit is unqualified, return the customer information and the fees charged.

4. Other legal procedures: the law firm handles insurance, notarization and mortgage registration of collateral.

5. Loan issuance: The bank will transfer the loan amount to the developer's account and notify the customer to start mortgage payment.

Extended data:

The interest rate conversion formula for RMB business is (note: common for deposits and loans):

1, daily interest rate (0/000)= annual interest rate (%)÷360= monthly interest rate (‰)÷30.

2. Monthly interest rate (‰) = annual interest rate (%)÷ 12.

Banks can use product interest method and transaction interest method to calculate interest:

1. Accumulate the account balance daily according to the actual number of days, and multiply the accumulated product by the daily interest rate to calculate the interest. The interest-bearing formula is: interest = accumulated interest-bearing products × daily interest rate, where accumulated interest-bearing products = total daily balance.

2. Transaction-by-transaction interest calculation method calculates interest one by one according to the preset interest calculation formula: interest = principal × interest rate × loan term, with three details:

(1) If the interest-bearing period is a whole year (month), the interest-bearing formula is: interest = principal × year (month )× year (month) interest rate.

(2) If the interest period has a whole year (month) and odd days, the interest formula is: interest = principal × year (month) × year (month) interest rate principal × odd days × daily interest rate.

(3) Banks can choose to convert the interest period into actual days to calculate interest, that is, 365 days per year (366 days in leap years), and each month is the actual number of days in the Gregorian calendar of the current month. The interest-bearing formula is: interest = principal × actual days × daily interest rate.

These three formulas are essentially the same, but because the interest rate conversion is only 360 days a year, when calculating the actual daily interest rate, it will be calculated as 365 days a year, and the result will be slightly biased. Which formula is used specifically, the central bank gives financial institutions the right to choose independently.