If credit applicants can only provide a temporary identity card, banks will partially refuse to lend because they consider the identity check to be inadequate. In fact, the temporary identity card is a valid identification document, so that a loan with a temporary identity card can be awarded without any legal concerns.
What is the temporary ID card?
The temporary identity card is a replacement document for the identity card with a maximum validity of three months from the date of issue. The ID card will be issued by the ID of the main residence, if the immediate issue of an ID card is mandatory. The most common reason for issuing a temporary identity card is the loss of the previous identity document, another reason is the name change as a result of a marriage or divorce. Both in the case of a planned marriage and before a divorce, there is the alternative option of applying for the new ID card in advance and exchanging it for the previous identity card after the marriage or divorce.
Although a few countries, such as Montenegro, accept the temporary passport, they do not accept the temporary identity card as a document at the border crossing. The issuance of a provisional identity card requires that a regular identity card be applied for at the same time. The issuance of the temporary identity card is dispensable even if the identity document is lost if the citizen has a valid passport.
Borrowing with the provisional identity card
Basically, a valid proof of identity must be carried out when borrowing, the template may be omitted if the customer personally knows the employee in the bank. In fact, this only applies to customers of smaller branches of savings banks and Volksbanks, so that usually an identity card or passport must be presented. The document submitted must clearly prove the identity of the borrower; Since the unambiguity demanded by the legislator is guaranteed, the consent to a loan with provisional identity card actually does not stand in the way.
In fact, the refusal to approve a temporary ID card is due to the ignorance of bank employees, who by their very nature seldom see temporary ID cards and are not always confident that the document will be authenticated. The difficulty with the inclusion of an already mostly cheaper loan over the Internet can be avoided. An official identity document is required for the implementation of the Postident procedure, as well as the provisional identity card.
Since the staff at the post office are mostly well-trained, the identity check for a loan with a provisional ID card can be carried out without complications via the post -ident procedure. This procedure is even simpler than the substitute presentation of the passport, since the provisional identity card, in contrast to the passport, contains information about the current residence.