Legal analysis: there are minimum age limits and maximum age limits for loans. The minimum age is 18, and the maximum age is 60 for males and 55 for females. In addition, the sum of the loan term and the actual age at the time of borrowing cannot exceed 70 years old. 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. Borrowers apply for housing mortgage loans. Or mortgage loan, the current age of the loan term shall not exceed the bank loan age limit, that is, male. 60 years old, female 55 years old.
Personal bank loan conditions: 1, natural person with age 18-60;
2. Have the ability to stabilize employment, income and repay loan principal and interest according to law;
3. The actual age of the lender plus the loan application period cannot exceed 70 years old. Information to be provided by the borrower:
1, husband and wife ID card, household registration book/temporary residence permit, and foreigner household registration book;
2. Two copies of marriage certificate/divorce certificate or judgment/single certificate;
3 proof of income (in the format stipulated by the bank);
4. Copy of the business license of the unit (with official seal);
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
Legal basis: Article 680 of the Civil Code of People's Republic of China (PRC) prohibits high-interest lending, and the lending rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the payment method of interest, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as interest-free.
Age requirements for bank loans
When handling bank loans, banks will limit the age of lenders. Generally, applicants are required to be between 18 and 65 years old, but the requirements of different banks are slightly different.
The Bank of China stipulates that the age of male lenders plus mortgage years cannot exceed 65, and that of female lenders cannot exceed 60. The Bank of China stipulates that the age of male lenders plus the mortgage period cannot exceed 65 years old, and women cannot exceed 60 years old; Both ICBC and CCB stipulate that the age of the lender plus the loan period should not exceed 65 years old.
The bank's restriction on the age of the lender is a measure to control the loan risk. If the borrower is too old, the loan risk will become higher. If you are too young and have no stable income, the repayment ability is also worth considering by banks.
In addition to the age limit, some banks have launched the business of "returning the father to the son", such as the relay loan business of "returning the father to the son" launched by the Agricultural Bank of China, that is, the children can promise to be co-borrower, agree a date in the contract with their parents as lenders, and change the children from co-borrower to the main lender when it expires, and appropriately extend the repayment period.
How old can I get a loan?
The lender must be at least 18 years old, and the age plus the loan period shall not exceed 70 years old.
Because the minimum age limit stipulated by general lending institutions is 18 years old, most of them are in high school and have no economic repayment ability. Therefore, regular lending institutions will not lend you money.
Extended data
Requirements of the lender
1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)
2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.
3. The borrower's actual age plus the loan application period shall not exceed 70 years old.
Information to be provided by the borrower
1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.
Two copies of marriage certificate/divorce certificate or judgment/single certificate.
3 proof of income (format specified by the bank)
4. Copy of the business license of the unit (with official seal)
5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.
6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.
Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.