No, borrowing with an ID card must meet the following conditions.
1, with China nationality (excluding Hong Kong, Macao and Taiwan residents);
2. The monthly income of punching cards is not less than 2,000 yuan, and he works and lives locally;
3. The current unit has officially registered employees who have worked for 6 months;
4, white households can be more than 00 yuan or enterprises and institutions, civil servants.
In order to ensure personal rights and interests, creditors should pay attention to the following matters:
(a) the loan of funds should have a receipt or a written contract:
The law does not require that the monetary loan contract must be written, because as long as both parties reach an agreement on the same thing, the contract has been established. However, in order to prevent disputes afterwards, it is best to make a written proof when borrowing money, so as not to say that there is no evidence and cause trouble.
(two) the written record of the loan amount should be detailed.
The IOU or loan contract shall clearly state the following matters:
1. Names of both parties.
2. Total loan amount and currency. For example, "NT$ 120,000".
3. Term of the loan. For example, it is expressed by words such as "loan term" and "loan term from/year/month/day to/year/month/day".
4. Interest agreement. Put the interest rate and. For example, "the annual interest rate is 10%" and "it will be paid on the 5th of each month from the date of borrowing".
5. In case of breach of contract, pay a penalty of RMB 5 yuan per 10,000 yuan per day.
6. Date of establishment.
7. Personal signature of the borrower.
(3) The currency delivery should have vouchers:
A monetary loan contract can only take effect if the currency is actually delivered. When the lender delivers the loan to the borrower, it should be done by cheque or cashier's check, indicating that the borrower is the payee, and stating in the contract: "The loan has been paid according to the bank account number, month and day of the paying bank, and the cheque (or the payee is correct)." In order to avoid cash delivery without evidence.
(4) seeking
In order to ensure the safe recovery of the loan, it is best to have a reliable guarantee. Generally speaking, there are three ways to guarantee loans:
1. Get a mortgage. The borrower provides real estate, sets priority property rights for the lender, and registers with the local government.
2. Get the pledge. Borrowers use movable property or rights (such as pearls and antiques; Stocks, corporate bonds, etc. ) make a loan.
3. Find a joint guarantor. It is stated in the contract that "the joint guarantor jointly guarantees that the borrower will earnestly perform the loan contract, and each party will personally sign and seal it.
2. Can I get a bank loan with my ID card?
Can't "in general, you can't borrow money just by your ID card. The materials needed for loans generally include loan application forms; The applicant's identity certificate and household registration book; Proof of the applicant's marital status; Its credit report and bank flow; Personal financial status certificate and other materials. "
3. Can I get a loan only with my ID card and bank card?
Yes, download the app online.
4. Can I get a bank card loan only with my ID card?
Only ID cards and bank cards are not allowed to apply for loans. First, as an applicant, you must meet the conditions of the loan (age, qualification). Then, the ID card is a certificate in the loan. Personal ID cards and bank cards cannot apply for loans, and they need to be combined with other documents to assist loans.
Loan preparation conditions:
1, if you want to have a fixed income, it depends on the salary details;
2. At least 18-65 years old;
3 loans for business or car purchase, there must be a guarantor and mortgage;
4. Good credit information.
Materials to be prepared for the loan:
1. Lender ID card;
2. The credit information of the lender in the past six months, and the credit information is good;
3. The bank card under the lender's name has been flowing for nearly half a year without interruption;
4. The lender's residence certificate (rental contract, real estate license, water and electricity invoices for the last three months);
5. Income certificate issued by the lender's work unit;
6. Social security, insurance policies and provident funds can also be loaned.
If you want to borrow a higher amount, you can do mortgage loans, such as houses and cars.