The ID number cannot be kept secret. Whether others can get a loan is his business, not yours. Without your signature, I hope you don't admit anything
2. You can borrow money with your parents' ID cards, but don't you want your parents to know? ...
First of all, I can't tell you.
Secondly, your idea is really irresponsible! !
Third, how to borrow money with an ID card?
Why was your ID card loan rejected?
Loans can bring benefits to banks, but banks are not blindly pursuing interests. Among them, "risk" is the fundamental reason why banks do not grant loans. The risk control system of bank loans is strictly audited, and the qualifications of loan applicants must meet the standards or even better. Banks will review personal circumstances, credit status, economic ability and asset status. If there are problems in these areas, you may be refused a loan.
1, its own situation
That is, your personal family information, just like your resume, is the basis for banks to know you. Show your identity information (ID card, household registration book, proof of marital status) to the bank to prove your identity as a "good man".
2. Credit evaluation
The direct embodiment of credit is the credit report. If the credit is bad, how can banks trust you?
Nowadays, the quality of credit has been directly linked to our daily life, from the overdue repayment of car loans and mortgage loans to the overdue payment of utilities and telephone calls. Some people say that I don't borrow money from banks, and credit is not important to me. If I stay in a hotel by plane one day, I will also look at my credit.
3. Economic capacity
The most direct embodiment of economic ability is the income of the applicant. If the income is not good, how can the bank believe that you can repay the loan?
Provide academic certificate, work permit, professional title certificate, copy of business license of work unit with official seal, running water, income certificate, etc. And confirm to the bank that you have the ability to repay the loan. Proof of income needs more than twice the monthly payment.
4. Asset status
If the economic ability is poor, use assets to prove it. The direct embodiment of asset certificate is real estate.
Large deposits, automobile production, real estate, stocks, funds, wealth management, etc. It can be all asset certificates, which banks use to understand your asset capacity and speed up the time of loan approval.
4. ID card loans can be kept confidential.
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