What are the terms of the ID card loan?

1. What are the terms of the ID card loan?

Due to different products, the conditions of ID card loans are also different. Below, I will explain to you the conditions that a general ID card loan needs to meet. 1. Basic requirements: 1. Require the lender to be between the ages of 22 and 55; 2. The loan amount is 6,543,800+0,000-300,000 yuan; 3. The loan repayment period is 6-48 months. 2. Proof material: 1, providing 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. Third, the basic conditions: from the reality, the basic conditions of micro-credit loans are: first, Chinese mainland citizens; Second, there is a stable source of income; 3. Have a stable address and place of work or business; Four, no bad credit records, loans can not be used for stock trading, gambling and other acts; Five, Chinese mainland citizens with full capacity for civil conduct.

Second, the ID card loan application conditions

1. The applicant has an expected stable repayment source; 2. Provide valid identification; 3. There are reasonable borrowing purposes; 4. Comply with other provisions of personal loans of the Bank. In addition, there are some potential conditions, such as good personal credit information and no bad credit record.

3. What is the application process of ID card loan? What application materials are needed?

An identity card is a document issued by the government to citizens to prove their identity. In China, it is called People's Republic of China (PRC) National Identity Card. Identity card loan is essentially the credit loan we are familiar with. But the ID card loan, as long as you use the ID card, will never be successfully obtained. So, how to apply for an ID card loan? What is the application process and what application materials are needed?

I. Analysis of ID Card Loan

Personal ID card loan is actually a personal micro-credit loan. Nowadays, the popular micro-loans in the market are based on personal credit records and repayment ability. Lenders will be asked to provide physical information. As a legal identity symbol of residents, you need an ID card, but you can't just borrow money with it. Please be vigilant when lending!

Two. Materials needed to apply for ID card loan

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

2. Provide stable address confirmation, house lease contract, utilities and property management.

3. Withdrawals, bank memos, labor contracts, etc.

Third, the basic process of ID card loan

1. Fill in the applicant's family contact information and the guarantor's family contact information.

2. Submit a copy of ID card and work permit, a copy of ID card, and our production materials to find a guarantor.

3. Accuracy of information submitted.

Four people and the guarantor went to the bank to sign a loan agreement.

five

6. Pay commission.

As we all know, the resident identity card is a valid document to confirm the identity of residents. Banks or credit companies identify individuals. If the loan is entrusted, the entrusted matters, authorization authority and model shall also be included, and the ID card owner shall bear the punishment for failing to keep the card bank well. However, if you use others to bear criminal responsibilities such as malicious fraudulent loans.

4. Can I get a loan only with my ID card and policy number?

You can apply for a bank policy loan, just need the applicant's ID card and policy preparation materials. Conditions for applying for bank policy loans: natural persons aged 18-60 years old; Pay the policy 37 times a month, pay the policy 13 times a quarter and pay the policy 4 times a year; Good credit information and no bad records; The monthly premium is greater than or equal to 200 yuan, and the annual premium is greater than or equal to 2,400 yuan. Up to three insurance policies can be superimposed. The process of applying for bank policy loans: the borrower applies for loans; Account manager loan survey; Bank approval, telephone verification; After approval, notify the borrower of the result; Both parties sign a loan contract; Bank loans; Repay the principal and interest as stipulated in the contract. Insurance that can apply for bank policy loans: Ping An Insurance, China Life Insurance, Xinhua Life Insurance, Pacific Insurance, Taikang Insurance, Sunshine Life Insurance, Taiping Life Insurance, People's Life Insurance, Fude Life Insurance and AIA Insurance.