The product even claims that only an identity card is required for a down payment. Seeing such a low threshold, many users may be moved to try. But is it true that a loan can be made with an identity card? We need everyone's attention. Watch out for fraud

Is it possible to make a loan with an ID? Don't be fooled

We understand this from the point of view of lenders. In the absence of mutual knowledge between the two sides, the risk of lending the other side thousands or even tens of thousands of dollars, based on basic identity information, is understandable. As the loan platform cannot determine the borrower ' s willingness and ability to repay, this only increases the risk of lending. As a result, under normal circumstances, the lending platform would need to identify these two key points before deciding whether to release the money。

In some network lending markets, there are products that appear to provide only basic personal information. In practice, the Platform conducts its own inquiries into the user's correspondence records or large web-based lending data to determine the user's willingness and ability to repay. Loans are possible only when letters of request and big data are not problematic. As a result, the products that can be financed by an identity card alone are largely non-existent。

The fact that some of the loan products are listed as requiring an identity card is in fact a marketing tool does not mean that this is true. In addition, some loan products with very low application thresholds may have security risks. It is not uncommon for them to use low thresholds to attract users and then to defraud users under various pretexts, such as membership fees。

Thus, in the face of these seemingly low-threshold lending products, large-scale household chores need to be more attentive to avoid creating unnecessary problems for themselves. In today's financial markets, there are many frauds, and everyone must be vigilant when using their loan products. Any product that requires a fee before a loan is released would prefer not to pay for it or to pay it easily。