Can I get a loan with my ID card and social security card?

1. Can I get a loan with my ID card and social security card?

Subjective law: you can't use your personal ID card to make a loan, and the bank will not accept it. The conditions for applying for personal bank loans are 1, China citizens with full capacity for civil conduct and overseas and foreign citizens with the right of abode in Chinese mainland. 2. Pay the down payment for house purchase (not less than 30% of the total house purchase). 3 have a stable economic income and the ability to repay the principal and interest of the loan. 4. Agree to use the purchased property as loan collateral. Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a full civil actor. (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Legal objectivity: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender. Article 12 of the Interim Measures for the Administration of Personal Loans, the lender shall require the borrower to apply for personal loans in writing, and require the borrower to provide relevant information that can prove that it meets the loan conditions.

Second, can I get a loan without my ID card and social security card?

No, there are other certificates.

If the loan is made through China Merchants Bank, the loan amount is earmarked. Also check whether the branch of China Merchants Bank where you are located can handle the loan you need.

If they are all satisfied, mortgages and guarantees are generally needed when applying for loans.

Details can be verified with the personal loan manager of the loan handling bank.

Loans include consumer loans, housing loans and commercial loans. General loans need mortgage or guarantee.

3. Can others borrow money with my ID card?

I can't.

Others can't apply for loans in formal lending institutions with your ID card, because formal institutions are strict in auditing, and it is impossible to get loans with your ID card, and there are also links such as face recognition and face-to-face signing.

If it is an informal lending institution, others may use your ID card to apply for a loan, but as long as others use your ID card to apply for a loan without your consent, it is illegal to use your ID card to apply for a loan, and you don't have to repay.

The simple and popular understanding of loan is to borrow money with interest.

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.

The purpose of commercial banks' loan policy is to ensure the coordination of their business activities. Loan policy is the general principle guiding every loan decision. The ideal loan policy can support banks to make correct loan decisions and help banks to operate; Secondly, it is to ensure the quality of bank loans. The correct credit policy can keep the bank's credit management at an ideal level, avoid excessive risks and properly choose business opportunities.

The loan method is the way for banks to issue loans to enterprises. According to the different ways of loan guarantee, it can be divided into credit loan, secured loan and bill discount. Credit loan refers to the loan issued only by the borrower's reputation; Secured loans refer to secured loans, mortgage loans and mortgage loans; Bill discount refers to the loan issued by the lender in the form of purchasing the borrower's unexpired commercial paper, which can be regarded as a special form. At present, the supply of credit funds in China can be divided into three ways, namely, direct lending, indirect lending and loans from buyers and sellers.

Can I get a loan only with my ID card and social security card? I am in Foshan.

No, there are other certificates.

If a loan is made through China Merchants Bank, the loan amount is earmarked. You need to verify the purpose of your loan and whether your local China Merchants Bank outlet can handle the loan you need.

If they are all satisfied, mortgages and guarantees are generally needed when applying for loans.

Details can be verified with the personal loan manager of the loan handling bank.

Loans include consumer loans, housing loans and commercial loans. General loans need mortgage or guarantee.

The loan interest rate needs to be comprehensively priced according to the business type, credit status, guarantee method and other factors you apply for, and can only be determined after being approved by the handling outlets.