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一张身份证就能小额贷款是不是真的? 有网友问“老弟帮”:凭一张身份证就能办理小额贷款是不是真的? 对于这个问题我上网个性网搜了一下,发现类似这种“身份证就能贷”的信息确实很多,比如下面:   看着很唬人,急用钱的老哥看了是不是蠢蠢欲动网游之天下无双?对此我想说:  其实,对于“一张身份证就能贷款”基本就两种情况:1.骗局;2.夸大宣传。 常见的,仅凭身份证贷款的qq超级会员试用骗局,有如下几种: 1.贷款前要先交钱 贷款前编造各种名头收取费用,例如包装费、工本费,收到钱后就失踪。正规小额贷款机构名片赞在放款前都不会收取费用的,所以收前期费用的贷款一定是骗局。 2.稀里糊涂借了高利贷 用“零利率,仅需身份证就能借款”等广告诱名片赞惑急需用钱的人入局,事后,借款者常常发现,这种其实是收费不透明、杂费一大把的高利贷,利率甚至超过1000%。 3.盗刷银行卡 骗玄欲子先让借款者提交个人隐私信息,然后谎称银行卡出问题,让借款者重新申请一张银行卡,再诱导借款者向新银行卡转钱,最后借款人会发现新银行卡在线刷svip永久里的钱都给转走了。 除了上面说的骗局外,贷款机构宣传的“身份证即可贷款”又是什么意思呢? 贷款机构说的凭身份证贷款,并不是单单只凭一张身qq会员理论永久份证,这只是夸张的宣传,他们往往省略了关键要求。 1.信用贷款 无抵押信用贷款,虽然确实不需要抵押物,不过需要的证明资料远远不止身份证,还需QQ代刷网要提供收入证明、居住证明、工作证明等一系列的材料,而身份证仅仅为一个必要条件。 仅凭身份证就能贷款只是一个噱头,夸大宣传,一旦申请贷款就会让你提qq名片赞上限多少交大量个人信息,以评估你是否有还款能力。 2.担保贷款 担保贷款对借款人所需提供的材料确实要求少,不过对于担保人的要求却比较高,担保人需要有稳定的收入,固定的职业以及愿意为你作担保。其实就是将对借款人的资质审核转移给了担保人。 这种情况下你只要用个人身份证证明了自己的身份并且有符合条件的担保人愿意为你担保,你确实也是可以贷到款的。













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