1. What is the age limit for loans?

1. The loan age must be 18 years old and have full capacity for civil conduct. The upper limit of the loan age is 60 for men and 55 for women. Moreover, the repayment period of the loan cannot exceed the above age limit, that is, the loan period. At present, men can't be over 60 and women can't be over 55.

2. Legal basis: Article 668 of the Civil Code of People's Republic of China (PRC).

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

2. What materials do I need to apply for a loan?

The materials required for handling the loan are as follows:

1. The borrower and the borrower's valid identity documents, such as ID card, household registration book, marriage certificate, etc. ;

2. Work certificate or income certificate stamped with the official seal of the company;

3. Proof of economic strength/financial resources, such as real estate license, driving license, financial management certificate, bank running, five insurances and one gold deposit certificate;

4. Personal credit report, and no bad credit record.

In addition, the borrower should provide relevant materials according to the demand of the actual loan products to ensure the success rate of the loan.

3. What are the conditions for applying for a loan?

The requirements for handling loans are as follows:

1. The party concerned is a person with full capacity for civil conduct;

2. The purpose of the loan is clear and legal;

3. The loan requirements are reasonable;

4. Have the willingness and ability to repay;

5. The credit status is good, and there is no major bad credit record.

Maximum age limit for loans

The upper limit of the loan age is 60 for men and 55 for women. For example, when a borrower applies for a housing mortgage loan or mortgage loan, the loan term+current age shall not exceed the bank loan age limit, that is, men are 60 years old and women are 55 years old.

Of course, some banks have extended the age of applying for mortgage to 70, but only a few banks can apply for loans at this age.

General banks stipulate that the upper limit of loan age is 60 for men and 55 for women. Therefore, for people over 40 years old, the loan period for buying a house may be only 20 years at most. The short loan period means that the monthly repayment amount is large, so people over 40 years old have greater monthly repayment pressure.

There are two main types of loans, one is credit loans and the other is mortgage loans. Different lending institutions have age restrictions on lenders of different loan products. Under normal circumstances, 18 is under 60 years of age and will not exceed the retirement age at the highest.

In addition, if the provident fund loan is used, the loan term shall not exceed 5 years after the borrower retires. For example, if a person retires at the age of 60, the longest period is to lend to the borrower at the age of 65. Women retire at the age of 55, and the corresponding longest life expectancy is 60 years. If retirement is delayed in the future, this period will be delayed accordingly.

What is the age limit for female loans?

1. There is an age limit for bank loans. Generally speaking, the borrower must be 18 years old and have full capacity for civil conduct. The upper limit of the loan age is 60 for men and 55 for women.

2. When the borrower applies for housing mortgage loan or mortgage loan, the loan term+current age shall not exceed the bank loan age limit, that is, men are 60 years old and women are 55 years old.

Compared with men, women are more emotional when buying a house, and tend to care about the past and the future, so they are prone to problems. Therefore, women should have some common sense before buying a house, such as the process of buying a house and how to apply for a mortgage, so as to be prepared.