How to borrow an ID card loan in Tianjin?

The ID card has registered some loan platforms. Will it matter if you don't borrow it?

make no difference

First, the identification method of online lending channels

Before submitting information to apply for a loan, pay attention to be vigilant, first review the qualifications of online lending companies and distinguish between true and false online lending companies.

1. Formal loan companies will not charge any fees before lending;

2. Formal loan companies are registered in the industrial and commercial departments;

3. Regular loan companies have fixed business premises and contact information.

Second, personal online loan precautions

1. Pay attention to whether the bank issues loans in full and on time. As a party to a loan contract, a bank must fulfill its corresponding obligations while enjoying its rights. As a lender, the bank's obligation is to issue loans in full and on time in accordance with the loan contract. In practice, banks have delays and insufficient loans. In particular, this kind of problem is more likely to occur when the contract is signed first and then approved. According to the provisions of the contract law, these are all breaches of contract, and the borrower has the right to pursue the responsibility of the bank.

2. Pay attention to whether the bank deducts interest in advance. If the loan interest is deducted from the principal in advance, the rest will be paid to the borrower as the principal. In fact, the borrower only borrowed part of the principal, but charged interest according to the total principal. According to the contract law, if the interest is deducted from the principal in advance, the loan shall be repaid according to the actual loan amount and the interest shall be calculated. The borrower should pay attention to the relevant clauses in the bank loan contract.

Please note that the bank has the right to terminate the contract if certain conditions are met. After signing a loan contract with the borrower, the bank may exercise the right of uneasy defense and suspend lending to the borrower before the other party provides a guarantee when it finds that the borrower's operating conditions have seriously deteriorated, property has been transferred, funds have been withdrawn to evade debts or the ability to repay debts has been lost. When exercising the right of uneasy defense, we should pay attention to the fact that we must obtain corresponding evidence before we can stop the performance of the loan contract, otherwise we will be liable for compensation for losses.

4. According to the Contract Law, when a bank stops lending, it should fulfill two obligations: first, it should inform the borrower of the fact and reasons for the imminent suspension of lending; Second, if the borrower provides a guarantee, it should resume performance, that is, continue to issue loans as agreed. After the bank stops issuing loans, if the borrower fails to restore the performance ability within a reasonable period of time and fails to provide appropriate guarantees, the bank may terminate the loan contract.

Can I only apply for a loan with my ID card and bank card?

Applying for a loan requires basic conditions and qualifications, such as having social security at work or doing business with entities and assets under your own name.

Some credit loans require simple materials, just provide your ID card and bank, but you need to check your personal credit information and approve funds through the bank big data system.

What does Tianjin housing mortgage need?

Requirements of 22 122 in Tianjin commodity house mortgage loan conditions 188:

1. The mortgage loan requires the service life of the house to be within 30 years; 2. The area of the house is basically not required.

4. The mortgage loan amount is 50%-70% of the appraised value of the house;

5. The loan period of new house loans shall not exceed 30 years, and that of second-hand houses shall not exceed 20 years;

6. The loan interest rate shall be implemented according to the loan interest rate of the same grade in the same period stipulated by the People's Bank of China;

7. Generally speaking, "the age of the borrower within the loan term" shall not exceed 70 years old.

Loan target: the applicant is a natural person with full capacity for civil conduct and holding a resident identity card or valid residence certificate;

Loan term: determined according to the specific loan purpose and mortgage term; Loan interest rate: determined according to the specific loan purpose and the borrower's qualification;

Repayment method: interest will be calculated after 5 years at the longest, and the principal and interest will be equal for 20 years at the longest.

Materials to be submitted for Tianjin commercial housing mortgage loan application: real estate license, identity certificate, marriage certificate, income certificate, bank account and other materials required by the bank.

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!

————————————————————————————————————————

Intellectual heroes who are 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 information center of the local people's bank to check personal credit records? 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 foreigners use loans from temporary id card if they need money urgently?

You can only apply for a loan from temporary id card if you meet the following conditions:

Age: 25-55 years old;

Chinese mainland residents (foreigners can also) and the current unit has worked for half a year;

Have a stable work income and a good credit record (that is, hold a bank credit card and use it for more than 1 year).

The area where the applicant is located needs a bank outlet, which is generally a city with good economic conditions (take Guangfa Bank as an example):

Beijing, Shanghai, Guangzhou, Shenzhen and Tianjin; Jinan and Weifang; Shenyang, Benxi, Panjin, Anshan, Dalian, Yingkou and Dandong; Nanjing, Suzhou, Wuxi, Zhenjiang, Huai 'an, Nantong and Changzhou; Hangzhou, Ningbo, Wenzhou, Taizhou, Shaoxing, Jinhua, Yiwu and Jiaxing; Zhengzhou, Xinxiang, Anyang, Pingdingshan, Jiaozuo and Sanmenxia; Wuhan; Changsha; Chengdu; Harbin, Mudanjiang, Daqing, Qiqihar; Kunming, Yuxi, Qujing and Honghe; ; Fuzhou; Dongguan, Foshan, Zhuhai, Zhongshan, Shantou, Chaozhou, Jieyang, Meizhou, Huizhou, Qingyuan, Jiangmen, Zhaoqing, Yangjiang, Zhanjiang, Maoming, Heyuan and Shaoguan.

Note: For the application method, please call the official customer service telephone of the bank and prepare the application materials as required.