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 credit loans, which need to pledge 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 easily leads to fraud and breach of contract.
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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Can Zhongan Finance get a loan without an ID card?
In fact, the application conditions for ID card loans are certainly not. As long as your ID card is lost, the lending institution will take back your ID card information invisibly. Therefore, credit loans, which are commonly known as credit loans, are available without ID cards. General online loan products, in addition to ID cards, also need to provide proof of work, proof of income, bank flow in the last six months, proof of education and so on. However, for formal lending institutions, the ID card can only provide the part with or without collateral, and whether the ID card can successfully lend depends on whether there is collateral. If not, these things are not needed.
What are the advantages and disadvantages of borrowing without an ID card?
You don't need an ID card to borrow money. There are hairtail, Ma Yun wallet, Wan Jinhua and so on. Hairtail is a new popular mobile phone recycling category. At present, it is in the water release period, and it is purely mechanical inspection. It doesn't need to upload ID photos, but can apply online as long as its real-name mobile phone number is authenticated.
Disadvantages of borrowing without ID card
However, it should be noted that if the loan platform does not require customers to provide ID cards, the application threshold is very low, and such platforms are basically established without the approval of the CBRC and do not hold financial licenses. Therefore, even if customers can borrow money easily, there is no security guarantee, and it is easy to meet lenders or cause personal money losses.
202 1 Is there a loan platform without an ID card? Look at these!
Many people don't want to leave a record when applying for a loan. For example, a user asked 202 1 if there is a loan platform with an ID card? Let's talk about this problem briefly, and I hope everyone will find it helpful after reading it. If you are interested in the products introduced, you can also apply.
202 1 Is there a loan platform without an ID card?
The ID card is the only voucher for each user and the most basic information for applying for a loan, so it is indispensable (some accounts can be replaced). Generally speaking, after providing your ID card, bank card and mobile phone number, you can apply by filling in the information according to the page prompts on the APP, such as the following products.
1. Borrowing: 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.
2. Easy consumption: immediately consume financial products, with a credit line of 1 0,000-200,000, a loan term of 1- 12 months, and a minimum daily interest rate of 1 minute.
3. Lend it to you: it 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. Bean money: the credit line of the loan is between 30 million yuan and 50,000 yuan, the loan period is 3-24 months, and the loan interest rate is between13% and 36%. Just upload the information on the client.
The above is about "202 1 Is there a loan platform without an ID card?" Generally speaking, you need an ID card.
Online loan without ID card
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 get a loan by using my mobile phone number instead of my ID card?
You can't. To apply for a bank loan, the borrower needs to bring his ID card to the bank for face-to-face signing. At the same time, you need to bring relevant materials, only provide your ID number, and you can't apply for a bank loan.
To apply for a bank loan, you need to prepare materials:
Valid identification.
Proof of permanent residence or valid residence, proof of fixed residence.
Proof of marital status.
Banks are flowing.
Proof of income or personal assets.
Credit report.
Loan use plan or statement.
Other information required by the bank.