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Is personal ID microloan credible?

Time: 2014-03-17         Source: Rong 360 original         Author: Su Han

There are many advertisements on the Internet that pop up as long as they have a personal ID card and no mortgage is required. This is undoubtedly a boon for many people who have unstable jobs or special jobs, and who have liquidity problems. However, as a commercial institution with a difference in deposits and loans as a source of income, is there such a relaxing loan condition? ? In other words, is personal ID microcredit credible?

Its implementation of micro ID loans in the market for personal identification cards generally includes two types:

The first type of personal identification microcredit loan is actually an unsecured credit loan. Although it does not require collateral, the proof materials needed for unsecured loans are far more than just identity cards, but also need to provide proof of income, proof of residence, and work. Prove that a series of materials, and ID card is only a necessary condition, this is generally a gimmick on the website.

The second type of personal identification micro-loan is in fact a secured loan. You really need to provide less information for this type of loan, but the guarantor's requirements are relatively high. The guarantor needs a stable income, a fixed occupation, and Willing to provide you with a guarantee, in this case you only use a personal ID card to prove your identity and qualified guarantors are willing to vouch for you, you can indeed credit.

  Fusion 360Remind everyone that many criminals use the mentality of borrowers eager to raise funds and use personal ID micro-credit as a starting point to defraud. When you go out, you will see loans that need to be paid before the loan funds arrive. Companies need to be careful, and it is very likely that they will no longer be able to contact after they have received the fee.

Urgent money? We have reviewed hundreds of micro loan products! Concerned about the WeChat public account number "exchanging money" (ID: chuqiankuai), replying to "emergency money", no longer afraid to borrow money.

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