"Only with an ID card can be used for loans." Recently, similar advertisements are overwhelming. Many people who are in urgent need of capital turnover are often attracted by such attractive conditions. If they want to try something, they will be deceived.
According to the report, when Mr. Bai was in a local bank's loan business, he was told that he was not eligible to apply for a loan because of his large number of bad credit records. According to the housing mortgage loan procedures issued by the bank, Mr. Bai was not only arranged in a work unit with no connection with himself, but also fictionalized a “wife” whom he did not know, and handled a total of personal housing loans at the two banks. 225,000, and had overdue loan repayment records 90 times.
Mr. Bai, who has never borrowed money, has inexplicably left a bad credit record in the bank credit system. He was “loaned”. All of this is due to the small illegal lending institutions that “ID cards can be loaned”, which makes customers and even many “unrelated people” blind.
Therefore, I suggest you here: you can't borrow money just by ID card. Most of the personal ID cards that I understand now are credit loans, that is, loans can be made without collateral, but it does not mean that you can use only ID cards to make loans. You need to have certain proof, work is stable, and it is more suitable for civil servants and teachers. , state-owned enterprise employees, stable entrepreneurs, white-collar workers, management personnel, etc. The micro-loan of personal ID cards promoted by some institutions is obviously wrong, and there is even a risk of loan scams. ID card is only a necessary material for the loan, the most important thing is to provide proof, etc., to prove that you are suitable for credit loans.