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问题
拿别人的身份证可以贷款吗?
释义
律师分析:
通常情况下,只有一张身份证,是不能办贷款额,无论是本人身份证还是他人身份证,都不可以。一般贷款需要提交的手续主要包括:借款申请书、客户的身份证、户口薄、收入证明、婚姻状况证明等材料(有配偶的客户,还需提供配偶的身份证和户口薄)如果是抵押贷款的客户,需要出具抵押物的产权证。
【法律依据】:
《中华人民共和国商业银行法》 第三十五条 商业银行贷款,应当对借款人的借款用途、偿还能力、还款方式等情况进行严格审查。 商业银行贷款,应当实行审贷分离、分级审批的制度。
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更新时间:2025/4/1 2:33:12