An ID card, a loan, and an ID card loan of 5,000 yuan were approved in 5 minutes.

Can I get a loan with my ID card?

You can't apply for a loan with only one ID card.

First, personal loans need to meet the conditions:

1. Loan age limit 18 years old or older, the maximum age for men is 60 years old, and the age for women is 55 years old. Cadres at or above the department level are legal citizens for five years;

2. Holding a legal household registration book, ID card or business license, certificate of legal representative or legal residence permit and passport, the city purchases commercial housing designated by the bank;

3. Open a special deposit account in the bank, and the deposit balance shall not be less than 30% of the purchase price;

4. There are valid proof documents such as purchase contracts and agreements;

5. Agree to mortgage the property under the house purchase contract;

6. Willing to perform all the terms of the loan contract;

7. Other conditions stipulated by the bank.

Can I borrow money with my ID card?

As long as you have a copy of your ID card, you can borrow money online. After all, there are many small loan platforms, as long as you provide the customer's ID number or mobile phone number, you can directly lend money. The application threshold is very low, and some don't even need to be reviewed. However, most of these small loans have not been approved by the CBRC and do not hold financial licenses. They are not very formal, and customers are easy to meet or molecules. Customers are not advised to apply for such small loans.

Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and network. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. The direct lending behavior on the personal peer-to-peer lending platform belongs to the category of folk dust or lending, and belongs to the category of contract law, general principles of civil law, relevant judicial interpretation norms of the Supreme People's Congress and other laws and regulations. Network refers to the Internet provided to customers by Internet companies through companies controlled by them. The network should abide by the existing company supervision regulations, give full play to the advantages of online loans, and strive to reduce the financing costs of customers. P2P loan business is supervised by China Banking Regulatory Commission. Online loan belongs to bond investment, with clear income, and the lender obtains interest income; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is an equity investment with flexible income. Investors get future income through investment companies, such as Beijing North Crowdfunding, 36Kr, etc., all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should fully understand the risks, have sufficient knowledge and mental preparation for taking risks at their own risk, and judge and bear the risks of the project on this premise. If you borrow from a formal lending platform with a financial license approved by the CBRC, I'm afraid it's not enough to only have your ID card information. Customers often need to provide income information of manual workers, because the platform system needs to know their economic level according to their work income and judge whether their repayment ability is sufficient.

Of course, as long as the personal identity information and work income information provided by the customer are complete and comprehensive, the platform judges that the customer has the ability to repay the loan principal and interest on schedule; And my credit is good, and there is no bad record in the credit information (big data), so the loan can usually be successfully handled, which is not difficult for customers with good credit.

Can I get a loan only if I have a copy of my ID card?

A copy of your ID card cannot be loaned.

Loan target: China citizens aged 18 to 60 with full capacity for civil conduct.

Application materials required for loan:

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

(2) the guarantor's credit certification materials.

(3) Collateral appraisal report issued by the socially recognized appraisal department.

(4) Other documents and materials as stipulated by the Construction Bank.

(5) Original and photocopy of the borrower's valid identity certificate.

(6) local permanent residence or valid residence identity certificate.

(7) The borrower shall produce the income certificate issued by the employer, the borrower's tax bill and insurance policy.

(8) The pledge right required for the borrower to obtain the pledge and the amount of mortgage, the list of collateral and ownership certificate, the written document of the owner and the property that someone agrees to pledge and mortgage.

(9) The borrower also needs to provide the bill for the hydropower property where the company is located and the bill for the hydropower property with personal address.

Extended data:

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.