When applying for a loan, it is generally required to meet some conditions of the loan, and the application for a loan must meet the conditions stipulated by the bank. What if you retire and want to apply for a loan? In order to help you better understand the relevant legal knowledge, I have compiled the following contents.
I. How do retirees apply for loans According to the regulations of the bank, the borrower's age is generally between 18 (inclusive) and 65 (inclusive), that is to say, if he retires over 65, he cannot apply for loans. In the bank's view, retirees' pension can only be used as the basic guarantee of life, not as the embodiment of repayment ability. However, if retirees start their own businesses after retirement and become business owners of the company, then banks will dispel their concerns about repayment ability and reconsider loan approval. There are also loan products from financial institutions, which require retirees to get 8- 15 times salary with their retirement certificates, payslips, utilities and ID cards as long as their bank credit information is good and they are under 60 years old. The reason for the large fluctuation is that the nature of retirees' original work unit, bank credit status, financial certificate and sideline business are all important indicators to evaluate the loan amount. Ii. Personal loan conditions To apply for a personal loan, you need to meet the following conditions: 1, a China citizen who has a fixed residence, a fixed residence or a valid residence certificate at the place where the loan bank is located, and is under 65 years of age (inclusive) and has full civil capacity; 2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule; 3. Have a good credit record and willingness to repay, and no bad credit record; 4. Being able to provide legal, effective and reliable guarantee recognized by the bank; 5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations; 6. Other conditions stipulated by the bank. According to the above answers, it can be concluded that, generally speaking, banks can receive loans between 18 and 65 years old. If you are over 65 years old, you can't apply for a loan. Those who meet the requirements can submit an application to the local bank.
Second, super detailed! How do retirees apply for housing provident fund loans?
With the increasing value of buying a house, many retirees began to ponder the provident fund loan to buy a house. However, it is very difficult to handle the housing provident fund. Today, I will tell you how retirees apply for housing provident fund loans.
Loan information
1. The original and photocopy of the applicant's and his spouse's ID card, the original and photocopy of the household registration book, and the original temporary residence permit shall be provided for the foreign household registration.
2. Copy of the borrower's marriage certificate (original unmarried certificate provided by unmarried person)
3. Proof of income of both husband and wife
4. Development
5. The original and photocopy of the house purchase prepayment receipt.
6. The borrower himself "lives"
Treatment process
1. The borrower carries the above-mentioned preparation materials, goes through the loan application formalities in the personal loan service hall of the provident fund management center, receives the loan application form and fills it out.
2. The Provident Fund Management Center transmits the loan information to the entrusting bank.
3. The entrusted bank has passed the examination and signed a loan contract and a mortgage contract.
4. The bank staff led them to the housing management department to get the real estate license.
5. Issue a loan notice to the provident fund management center with the real estate license.
6, the loan notice to the entrusted bank for loan issuance procedures.
How to apply for a loan ",the following is an introduction. You can go to official website in advance and consult with the local provident fund management center. Can a retired teacher over 70 get a loan?
Retired teachers over 70 can't get loans. There is an age limit for both provident fund loans and commercial loans. Provident fund loans stipulate that the loan age is under 65, and commercial loans limit the loan age to 70.
This is mainly considering the repayment ability below this age. Beyond this age, the variables are large and the repayment ability is weak.
Fourth, how to apply for a mortgage after retirement
Yes, you can also apply for a home loan after retirement. The requirements are as follows:
Age requirements: women should not exceed 60 years old and men should not exceed 65 years old.
Need information ID card, household registration book, marriage certificate, income certificate, bank flow, (married couples provide information)
Submit the information to the bank for approval, and the bank will inform you to lend money after the approval.