What information is required for general online loans, and what information is required for online l

1. Front and back of the borrower's ID card**.

2. The borrower's bank card is used as a repayment card and a receipt card (some online loan platforms only support the card of some banks as a repayment card).

3. The borrower's mobile phone number needs to be authenticated by real name and used for more than 6 months.

4. The borrower's address book is authorized, and the number of at least two emergency contacts is preferred (relatives are preferred).

5. Proof of the borrower's personal income.

The monthly income is at least 2,000 yuan.

6. The borrower's work unit, work address, residential address, home address, etc.

7. Face recognition authentication is required.

8. The borrower's personal credit report.

There are also some online lending platforms that only require the borrower to provide sesame points.

Different loan platforms use different credit scoring systems, and formal online loans generally require credit from the People's Bank of China.

Report. After preparing the above information, the borrower can enter the loan platform and click "View Limit". Then fill in your personal information according to the pop-up prompts, and then submit the loan application.

The platform will review the borrower's personal information based on the personal information submitted, and after the review is passed, the borrower can know his loan amount and loan interest rate.

If you are unclear about your debts and online loan data, you can use Xiaomu data and small programs.

Get an online loan big data report on online loan application records, overdue details, and blacklists.

and other information have detailed data.

Extended Information: What should I pay attention to when applying for an online loan?

1. The application must be made in person.

At present, the mechanism review of online lending platforms is relatively rigorous, and the borrower must apply for the loan himself before it can be approved. In addition to ID card authentication and face authentication, real-name authentication also includes bank card authentication, which is reserved by the bank to receive SMS verification code, and the user submits the verification code to the online lending institution for verification, so that it can pass the review.

2. There is no need to pay any handling fee.

Formal online loan platforms do not require borrowers to pay handling fees other than interest.

There are many online lending platforms on the market, in addition to charging borrowers interest fees on loans, they will also find various reasons to charge borrowers what handling fees and platform service fees they charge. This kind of charge is not legal, and borrowers should be wary.

3. Reasonable choice of loan amount and term.

It is convenient for online loan platforms to apply for loans, and many borrowers will have impulsive consumption.

Therefore, before applying for a loan, the borrower must take into account his or her financial repayment ability to avoid excessive repayment amount and excessive pressure in each installment. When personal financial difficulties arise, the borrower should take the initiative to negotiate with the platform to apply for an extension of the repayment period, that is, an extension or a change in the repayment method.

Generally, online loans require ID card photos and mobile phone numbers, but the interest rate is high, so it is recommended not to participate casually.

The information to be provided is:

1. A written document in which the guarantor agrees to provide the guarantee required for the borrower to obtain the guarantee amount.

2. The guarantor's credit certificate.

3. The appraisal report of the collateral issued by the socially recognized appraisal department.

4. Other documents and materials stipulated by CCB.

5. The original and photocopy of the borrower's valid identity document.

6. Proof of local permanent residence or valid residence status.

7. The borrower shall provide the income certificate issued by the unit, the borrower's tax policy and insurance policy.

8. The borrower needs to obtain the pledge and mortgage amount, the pledge rights, the list of collateral and the ownership certificate, and the written document in which the owner and the co-owner of the property agree to the pledge and mortgage.

9. The borrower also needs to provide the payment slip of the water and electricity property of the company's site and the payment slip of the water and electricity property of the personal address.

Several Opinions of the Supreme People's Court on the Trial of Loan Cases by the People's Courts

Article 10 A loan relationship formed by one party by means of fraud, coercion, or other means, or by taking advantage of the danger of others, so that the other party violates its true intentions, shall be deemed invalid.

Article 11 Where a lender clearly knows that the borrower is borrowing money for the purpose of carrying out illegal activities, the lending relationship is not protected.

If you need to apply for a small cash loan, China Merchants Bank has a flash loan business, which can be applied for through mobile banking or check whether you are eligible to apply.

1. After the flash loan is disbursed, cash will be issued in the designated account, and the funds can only be used for normal bulk consumption and transfer, and cannot be invested, flowed into **, real estate and other directions.

2. If you have a CMB savings card, you can log in to the mobile banking and click "My All Borrow Money Flash Loan" to apply for a flash loan. Your specific quota will be approved according to your business situation in China Merchants Bank, and you can view it if your application is successful.

3. The provisions on the amount of flash loans are different for different types, and the maximum credit line is not more than 300,000 yuan, which is subject to the display on the loan page. If you have been eligible for a flash loan, you can log in to the "Flash Loan" module of China Merchants Bank mobile banking app or online banking to check your maximum application amount, with a minimum withdrawal amount of RMB 1,000 and a maximum of the quota amount, and an integer multiple of 1,000.

4. There are two types of loans that can be applied for within the flash loan limit:

1) 15 minutes loan disbursement will be automatically approved within 5-10 minutes, and the loan will be disbursed immediately after approval, and the result will be notified by SMS.

2) Loan disbursement on T+1 day, there will be a call from the electric core ** to verify within T+1 day, and arrange the loan after confirming the information. If you do not answer the contact 3 times, the application will fail and you will need to apply again.

When the amount of flash loan is established, there will be a check record on the credit report. If you only successfully establish a quota but do not withdraw money: there will be no quota record in the credit report; For each subsequent withdrawal, there will be a loan record in the credit report.

If you want to take out a loan on an online platform, then you need to have a very good personal credit and no overdue record. Generally, as long as you provide your ID card, bank card, and bill.

What information do I need for online loans? Online loans require personal ID cards, mobile phone numbers, and mobile phone numbers.

If you want to take out an online loan, you can cherish it directly with the platform, but you must be careful of being deceived.

Legal Analysis: When applying for a loan, the borrower needs to prepare the materials into the following categories:

1. Personal identity certificate: ID card, residence permit, household registration book, marriage certificate and other information;

4. Other materials required by the bank.

Legal basis: Article 17 The borrower shall be an enterprise (institution) legal person, other economic organization, individual industrial and commercial household approved and registered by the administrative authority for industry and commerce (or the competent authority), or a natural person with full civil capacity with the nationality of the People's Republic of China. When applying for a loan, the borrower shall meet the basic conditions such as having a market for the product, efficient production and operation, not crowding out and misappropriating credit funds, and abiding by credit, and shall meet the following requirements:

1. Have the ability to repay the principal and interest on time, and the original loan interest payable and the loan due have been repaid; If it has not been repaid, a repayment plan approved by the lender has been made. 2. Except for natural persons and legal persons who do not need to be approved and registered by the industrial and commercial department, they shall go through the annual inspection procedures of the industrial and commercial department. 3. A basic account or a general deposit account has been opened.

4. In addition to the provisions of the first month, the cumulative amount of foreign equity investment in limited liability companies and shares does not exceed 50% of their total net assets. 5. The borrower's asset-liability ratio meets the requirements of the lender. 6. Where applying for medium-term or long-term loans, the ratio of the equity of the corporate legal person of the new project to the total investment required for the project shall not be less than the proportion of the capital of the investment project stipulated by the state.

1. Online loans.

Online micro-loans refer to the micro-loans provided to customers by Internet enterprises through the microfinance companies controlled by them. It includes individual online lending (i.e., P2P online lending) and online micro-loans. Individual online lending refers to direct lending between individuals through Internet platforms.

2. What materials need to be prepared for online loans?

1.Prepare your profile.

Before borrowing money, carefully understand the loan requirements, prepare the corresponding information according to the loan requirements, if you go directly to apply, fill in the information randomly, and hold a fluke mentality, so how many do you think the probability of passing?

2.Real-name mobile phone number.

Nowadays, almost all credit products require a mobile phone number to register and log in, so when borrowing money, you must first make sure that the mobile phone number you use is verified by your real name. And the longer the mobile phone number is used, the better, the more mobile phone bills are used, the better, and the fewer times the number of arrears, the better. If you really have just changed your mobile phone number, ensure that it has been used for at least 3 months and there is no record of arrears.

Remember, don't go to a treasure and buy a mobile phone number and use it to borrow.

Many borrowing apps will turn on many permissions of the mobile phone by default, especially the Android borrowing app. Some permissions that don't affect the use of the app should be turned off as much as possible, especially contacts and text messages. Although some borrowing apps do not have a clear reminder, they will use the obtained contacts and text messages as the basis for reviewing the loan.

If there is sensitive information about the lending platform such as bank dunning and loan intermediary, the success rate of borrowing will be greatly reduced.

4.Unit Information.

The unit information must be filled in truthfully, and the address of the unit should be found on the Internet, and the unit must be connected. Fill in the position and income to match. A little higher income is conducive to increasing the borrowing limit, but it should not be too outrageous.

The unit is the best "packaging", and the loan amount of public institutions, state-owned enterprises, and famous enterprises is higher, but the ** that must be retained can be opened and can prove that they work here. If you need money urgently and can "wrap" yourself, that's fine.

5.Provide additional information.

If the personal qualifications are not good enough, and there are **, JD.com, Weibo, etc., which have higher grades and higher ratings, some products can authorize these auxiliary reviews to obtain a higher loan amount. In particular, Alipay's sesame credit score, many borrowing products can obtain credit lines with a higher sesame score alone. ** and JD.com have basically popularized real-name authentication, and they must be guaranteed to be their own when they are provided.

Weibo and other real-name authentication have not yet been popularized, so you can borrow a big V as proof materials.

If you need to apply for a small loan, it is recommended that you choose a bank channel.

For small loans of less than 50,000 yuan, you can log in to the mobile banking of China Merchants Bank first, click "My" - "All" - "Loan" - "I want to borrow money" to try to apply through this interface; Or borrow by credit card: log in to Pocket Life and click on "Cards" below. Finance" - "Reserve Fund" - "Apply Now" can try to apply for a reserve here, subject to the review result.

It's all basic, it's very simple.

The process of applying for a loan:

1. The borrower submits the loan application materials to Ping An Puhui;

2. The application materials submitted by the borrower shall be reviewed for preliminary examination;

3. Ping An Puhui will approve the loan application that meets the loan conditions after passing the preliminary examination and credit investigation;

4. If the approval is passed, the borrower shall be notified to go through the relevant formalities such as contract signing, lending, mortgage or pledge; If the approval is not passed, an explanation must be made to the borrower;

5. The loan contract takes effect and the loan is issued;