You can apply for a loan from the bank as soon as you turn eighteen.

Bank loan application conditions are:

1.18-a natural person aged 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.

Extended data

Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit. Generally, you need a guarantee, a house mortgage, proof of income and good personal credit information before you can apply.

Information to be provided by the borrower:

1, ID cards of both husband and wife, household registration book/temporary residence permit, and household registration book for foreigners.

2. Two copies of marriage certificate/divorce certificate or court judgment/single certificate.

3. Proof of income (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.

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.

References:

Bank loan _ Baidu Encyclopedia?

/kloc-can I get a loan at the age of 0/8?

Yes, generally 18 years old or older can get a loan.

Conditions to be met when applying for a loan:

1. The applicant must be a natural person with full capacity for civil conduct, aged 18 and under 65 years old;

2. Having urban permanent residence or valid residence status requires the borrower to have legal status;

3. Have a stable occupation and income, good credit and the ability to repay the principal and interest of the loan;

4. Some banks will require applicants to apply for a credit card or loan from the bank and have a good credit record;

5. Other loan conditions that the borrower needs to meet.

Information to be provided when applying for a loan:

1. Original and photocopy of my identity certificate and household registration book;

Original and photocopy of spouse's identity certificate and household registration book (provided when the borrower and his spouse are not in the same household registration book);

If there is a guarantor, the original and photocopy of the guarantor's identity certificate and household registration book;

Borrowers who are not registered in this city provide proof of legal residence;

2. Proof of residential address (household registration book, etc. );

3. Proof of income or employment;

4. Proof of income of the loan applicant and his family members;

5 proof of ownership of the security interest (proof of property to be mortgaged, original pledge, etc.). ).

6. Other information required by the bank.

The process of applying for a loan:

1. The borrower applies for a loan from the local branch and submits relevant materials;

2. Local branches accept and conduct credit surveys;

3. The local branch conducts risk assessment and loan review, and gives a reply;

4. Sign a loan contract and approve the loan;

5. Loan issuance;

6. Payment management (independent payment by the borrower or entrusted payment by the lender);

7. Post-loan management and risk assessment.

/kloc-can I get a loan at the age of 0/8?

1. Generally 18 years old can apply for most online loan products, but this only meets the age limit of loans. Whether you can get a loan is also related to other credit conditions. And there are many loan platforms on the market. In order to guard against risks, some loan platforms require a higher number of years for applicants, and 18 years old may not get loans. For example, Ping An HP lenders need to be 23 years old, and E loans require applicants to be 20 years old.

2. In short, whether 18 years old can get a loan is related to the loan platform and personal credit, and the actual application review results shall prevail.

For more information about whether 18 can get a loan, please visit: See More.