The transfer period must be over 18 years old, and the borrower must reach the age of independent legal responsibility before applying for mortgage loan.

"General Principles of Civil Law" stipulates that:/kloc-citizens over 0/8 years old are adults, with full capacity for civil conduct, able to conduct civil activities independently, and are persons with full capacity for civil conduct.

A citizen who has reached the age of 16 and is under the age of 18, and whose main source of livelihood is his own labor income, is regarded as a person with full capacity for civil conduct.