1. Can I apply for a loan of RMB 10,000 to 20,000 from a local credit union with my household ID card?

Is it possible?

2. I have been in ten years My ex-friend borrowed my ID card and borrowed 30,000 yuan from a local credit union. So far, I have not repaid the principal and interest. Please

Credit union loan:

Rural credit refers to farmers with rural household registration Loans for planting, breeding and other sales expenses can also be used to buy a house.

Economic files of farmers are established in local credit cooperatives. The so-called farmer household economic files are a basic economic situation of local farmers. After scoring and granting credit, credit loans are issued on a credit basis without the need for collateral.

If a guarantor is required for loans issued, it is for reasons such as rural credit cooperative loan officers to better prevent and control risks, understand customers, and facilitate loan collection. If the guarantor is out of town or not in the local area, that's not possible. Just be the guarantor. There are many conditions for loan issuance. It is best to go to the local credit union to ask. If the borrower needs to be a separate household, an ID card and a marriage certificate (certificate of unmarriedness, etc.) are required to prove the marriage status. Other information required by the lender from the borrower. In fact, it can be issued without guarantee.

3. Can I apply for a loan with a copy of someone else’s household registration book and ID card?

You cannot get a bank loan with a copy of your ID card and household register, because there are many types of bank loans and a lot of information is required. Materials required for the loan:

1. Natural persons aged 18-60 years old (Hong Kong, Macao, Taiwan, Mainland China and foreign nationals are also acceptable)

2. Have a stable occupation, stable income, and regular Ability to repay the principal and interest of the loan

3. The actual age of the borrower plus the loan application period should not exceed 70 years old. Materials that the borrower should provide 1. Identity cards and household registers of both spouses/temporary residence permit and household registration for foreigners 2. Marriage certificate/divorce certificate or judgment/single certificate 2 copies 3. Proof of income (format designated by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including academic certificates, other real estate, bank statements, certificates of deposit, etc.

6. If the borrower is a corporate legal person, it must also provide an annual inspection business license, tax registration certificate, Organization code certificate, articles of association, and financial statements. Note: Starting from around May 10, 2010, those who have a non-local household registration and purchase a house in Beijing must provide proof of tax payment for the past year or a social insurance policy for one year and other materials that can prove that they have worked in Beijing for one year.

4. Can I get a loan from a rural credit cooperative with my ID card and household registration?

1. Rural credit cooperative loans can use ID cards and household registration loans, but a guarantor is required.

2. In terms of credit loans in rural credit cooperatives, they are only open to natural persons with good credit and repayment ability, and who have agricultural registered permanent residence within the jurisdiction of the credit cooperative and are fully capable of civil conduct. However, the quota Relatively low, not very high.

3. If the loan amount is not particularly high, you can also use a credit card and repay the credit card fees in installments.