Online loans without ID cards are:
I. Borrowing flowers, a loan product of Ctrip Finance, with a credit line of 500,000-200,000, a loan term of 1- 12 months and a monthly interest rate of 0.6%-3%. 2. Anyihua, a product of immediate consumer finance, has a credit line of 1 0,000-200,000, a loan term of 1-0/2 months, the lowest daily interest rate of 0.048%, and the fastest loan within1minute. Third, lending it to you has the characteristics of simple information and quick approval. The credit line of the loan is between 1, 000-50,000, and the loan term is 1-3 months. Applicants should be between 22 and 55 years old, have used mobile phones in the real-name registration system for more than 6 months, and have a good personal credit record. 4. Doudou Money: The credit line of the loan is between 30 million and 50,000 yuan, the loan period is 3-24 months, and the loan interest rate is between 13%-36%. Just upload the information on the client.
Id card:
China People's Identity Card China People's Identity Card generally refers to this entry. The China People's Identity Card is a document used to prove your citizenship in People's Republic of China (PRC). Write "ID card" before 1984. 1On April 6th, 984, the State Council issued the Regulations on the Trial Implementation of Resident Identity Cards of the People's Republic of China, and began to issue the first generation of resident identity cards. On June 28th, 2003, the Third Session of the 10th the NPC Standing Committee passed the Law of the People's Republic of China on Resident Identity Cards, which was promulgated by Presidential Decree No.4 on June 28th, 2003. On March 29th, 2004, Chinese mainland officially began to renew the second-generation resident ID card with built-in contactless IC card smart chip. The surface of the second-generation ID card adopts anti-counterfeiting film and printing anti-counterfeiting technology, and personal color photos can be used to read the information in the digital chip by machine. 2065438+February 7, 2008.
Beijing police report:
On 20 18, self-service of resident ID cards and WeChat application for residence permit for floating population will be launched in due course. The central bank announced that from 2065438+April 9, 2008, some cities and regions will carry out pilot work to verify invalid resident ID card information and non-resident ID card information. From April 20 1 year 18, the fees for applying for the first resident identity card will be stopped.
Can I borrow money online without an ID card?
Whether you borrow money from banks or other channels, you generally need an ID card. If you want to apply for online loans, online loans are characterized by online operation throughout the process, and you don't need to issue an original ID card. However, when applying for online loans, it is generally necessary to upload an electronic scan of the ID card, a photo of my hand-held ID card, and a photo of the front and back of the ID card. Look at the requirements of the online lending platform.
Tips:
1. The above information is for reference only. Lending is risky, so choose carefully.
2. If you need funds, you can also consider a loan from Ping An Bank. Ping An Bank has launched a variety of loan products, with different loan requirements, interest rates and handling procedures. Among them, the new one-loan credit loan is unsecured, unsecured, simple in procedures and fast in approval, with a quota of 300,000-500,000, and the age requirement is 23-55 years old. You can log in to Ping An Pocket Bank APP- Home-Loan to understand and try to apply.
Reply time: 202 1-07-08. Please refer to the latest business changes announced by Ping An Bank in official website.
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Can a person without an ID card apply for a loan?
I can't. At present, online loans only have ID card photos and cannot be loaned. Now online lending, online lending needs your real name, authentication phone number, photo of your ID card and bank card information to make a loan.
In the loan application stage, we should not only consider the use and general process of funds, but also consider personal identity, income and other detailed information. Personal loans can only be pledged loans and credit loans, which need to pledge a certain value of physical objects and securities. After approval, the lender needs to go to the bank to fill in the loan information, sign and take photos in the bank supervision area when handling the loan procedures.
First, personal loan application conditions:
1. Having reached the age of 25 and having full capacity for civil conduct; And have permanent residency or valid residence permit in China.
Second, having a fixed occupation or a stable income can guarantee the ability to repay the principal and interest on schedule.
Third, the credit record is good and there is no bad credit record.
Fourth, it can provide legal and effective guarantees recognized by banks.
Fifth, other conditions stipulated by the bank.
Second, the risk of online lending:
1. The virtual nature of online transactions makes it impossible to verify the credit status of both borrowers and borrowers, which is likely to lead to fraud and breach of contract disputes.
2. A lot of lenders' information published on the network platform, many loans are issued in the name of "loan companies" and "financing companies". In fact, only financial institutions approved by the state can engage in financial services such as credit financing. Those who engage in financial activities without authorization will often be investigated for legal responsibilities such as "illegal fund-raising", "illegal absorption of public deposits" and disturbing the order of financial management.
3. If loans are issued on behalf of the network platform, when the network platform ignores self-discipline, the internal control procedures fail or are used, there may be cases of fabricating loan information and illegally raising funds.
Three, the general conditions required for online loans include:
1. The applicant is between 18 and 60 years old and has full capacity for civil conduct.
2. The applicant's personal credit is good and there is no bad overdue record.
3. Applicants need to have a stable job and their monthly income can be repaid on time.
4. Applicants need to have a real-name registration system mobile phone number that has been used for more than 6 months.
5. The applicant needs to use a savings card and provide the bank statement of the savings card.
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Do online loans only need ID cards now?
As long as a copy of the ID card can also be used for online lending, after all, many small lending platforms can directly lend money by providing the customer's ID number or mobile phone number. 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 have no financial license, so they are not very formal. It is easy for customers to meet usurers or fraudsters, so it is not recommended to handle such small loans.
Data: Peer-to-peer lending includes personal peer-to-peer lending (P2P peer-to-peer lending) and online microfinance. Personal peer-to-peer lending refers to direct lending between individuals through the Internet platform. Direct lending on the personal peer-to-peer lending platform belongs to the category of private lending, and is governed by laws and regulations such as the Contract Law, General Principles of the Civil Law and relevant judicial interpretations in the Supreme People's Court. Internet micro-loan refers to the micro-loan provided to customers by Internet companies through their holding micro-loan companies. Network microfinance should meet the existing regulatory requirements of microfinance companies, give full play to the advantages of peer-to-peer lending, and strive to reduce customer financing costs. Personal-to-personal loan business is supervised by CBRC. Online loan belongs to bond investment, which has clear income and interest income for fund lenders; However, the public often confuses it with equity crowdfunding. Equity crowdfunding is a kind of equity investment with flexible income. Investors can obtain future income through investment companies, such as Beijing crowdfunding and 36Kr, all of which belong to equity crowdfunding platforms. Whether it is bond investment or equity investment, there are certain risks. Investors should be fully aware of the risks, have sufficient knowledge and mental preparation for taking risks, and make their own judgments and take risks on this premise. If you borrow money from a formal lending platform with a financial license approved by the CBRC, I'm afraid your ID card information is not enough. Customers often need to provide personal work income information, because the platform system needs to know its economic level and judge whether its repayment ability is sufficient according to its work income.
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 time; Moreover, my credit is good, and there is no bad record in the credit information (big data), so loans can generally be successfully handled, which is not difficult for customers with good credit.