Only those who are 16 years old are not allowed to borrow mobile phones in installments;

Required conditions for bank loans:

(1) Those who are 18 years or older and have full capacity for civil conduct , Urban resident permanent residence or legal and valid resident identity certificate. Bank loans require borrowers to be generally between 18 and 60 years old;

(2) Have stable legal income and the ability to repay interest;

(3) Have good credit;

(4) Other conditions required by the lending bank.