Can others borrow money online with my ID number?

First, if others know their identity information and have their own mobile phones, they may borrow money online in their own identities. When handling a loan, the lending institution will generally check my identity information. If there is a problem with my personal identity, the lending institution will not handle it. Once you provide your identity information to others, others can borrow money in your name. If you don't repay on time, or even default, the lending institution will eventually ask you for repayment. ID card loans are not paid only by ID cards, but by applying for micro-credit loans through online and mobile phones, submitting ID card information and personal information, and applying for loans by credit.

2. Legal basis: Article 667 of the Civil Code is a loan contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. Article 670 of the Civil Code stipulates that the interest of a loan shall not be deducted from the principal in advance. If interest is deducted from the principal in advance, it will be refunded according to the actual loan amount.

Repay the loan, calculate interest. Article 671 of the Civil Code If the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.

Extension: What if someone borrows money with my ID card and doesn't pay it back?

1, someone borrows money with your ID card. Although it's your name, as long as you don't sign it at the scene, the loan has nothing to do with you. Signature must be signed by himself or himself, and notarized power of attorney should be provided for signature.

If you sign or press your fingerprint, you are the debtor. Or there is evidence that the loan funds are actually used by you in part or in whole, you should bear the obligation to repay. If the repayment is not made on time, the bank can enforce it through the court.

legal ground

Article 676 of the Civil Code stipulates that if the borrower fails to repay the loan within the agreed time limit, it shall pay overdue interest in accordance with the agreement or relevant state regulations. (The effective time of the Civil Code is 202 1 1 1).