Legal analysis: It depends. Retirees who meet the loan conditions can also apply for loans. Retirees have good bank credit information, retirement certificate, running salary certificate, etc. , and some individuals have fixed assets under their names, or the children of retirees have good personal credit and stable jobs. At this time, retired people may also borrow money in the name of their children (for borrowers).

Legal basis: Article 7 of the Law of People's Republic of China (PRC) Commercial Bank, when a commercial bank conducts credit business, it shall strictly examine the credit standing of the borrower, implement the guarantee and ensure the timely recovery of the loan. Commercial banks recover the due principal and interest of loans from borrowers according to law, which is protected by law. Article 679 of the Civil Law of People's Republic of China (PRC) stipulates that a loan contract between natural persons shall be established when the lender provides the loan.