When handling bank loans, banks will limit the age of lenders, which is stipulated by banks themselves.

For example, the Agricultural Bank stipulates that the age of the lender plus the loan period cannot exceed 70 years old; 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. Beyond 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 China Agricultural Bank, that is, the children can promise to be co-borrower, and agree a date in the contract with their parents as lenders, and the children will be changed from co-borrower to the main lender when it expires, and the repayment period will be appropriately extended.

When applying for this loan, the borrower needs to meet the following conditions:

1 Have a stable occupation and income; 2 is expected to have a stable retirement income and full capacity for civil conduct; 3. There are no major health problems. In addition, the borrower's children need to meet the following conditions to become co-borrower: they are willing to undertake the agreed obligations of the loan contract to the borrower and the mortgagor, and will not cancel the mortgage until the principal and interest of the loan are paid off.

As long as the borrower meets the above conditions at the same time, the bank will handle the relevant written contract.

In addition, the designated co-payer shall not be changed without the written consent and corresponding commitment of the bank.

Second, is there an age limit for the conditions of the main lender of the credit cooperative?

not have

Three, rural credit cooperatives loan period limit

There is no age limit for loans from rural credit cooperatives.

Rural credit cooperatives loan conditions:

1, with the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made.

2. Except for natural legal persons, the annual inspection procedures shall be handled by the industrial and commercial departments.

3. Rural credit cooperatives have opened deposits in basic account or general deposit accounts; Voluntary acceptance of the supervision and inspection of credit and settlement by lending institutions can ensure the regular settlement of business and financial statements.

4. To apply for guarantee or mortgage loan, there must be collateral or pledge that meets the requirements. The loan guarantor must be a creditworthy enterprise or economic entity that opens a deposit account in a rural credit cooperative.

The loan collateral must comply with the provisions of the "People's Republic of China (PRC) Guarantee Law" and relevant laws and regulations, and should be commercial and easy to realize in principle.

5.0% of rural borrowers.

6. To apply for loans for fixed assets, real estate and other projects, the borrower's owner's equity and the proportion of self-raised funds must meet the requirements of the State Council, and at the same time, it must be based on the documents of project effectiveness.

7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets.

8 rural borrowers must go through the inspection procedures according to the provisions of the People's Bank of China.

Extended data:

According to the loan policy of rural credit cooperatives:

Article 7 organizations. The group consists of the chairman, directors, loan officers, some members of the board of supervisors and members' representatives with certain prestige.

Eighth steps to determine the credit rating and loan amount of farmers:

(1) Farmers apply for loans from credit cooperatives;

(demand and family income, grasp the borrower's credit status, and put forward preliminary opinions;

(3) The credit rating team determines the loan amount and issues loan certificates according to the supply of loan personnel.

Article 10 For the farmers whose loan quota has been approved, within the time limit and quota, the farmers shall apply for loans to the credit cooperatives with loan vouchers, household registration books or ID cards, or the loan officers of the credit cooperatives shall directly distribute them to the farmers' homes as required, and distribute them door by door.

Eleventh credit cooperatives to set up a registration ledger for households, and according to the changes

The record of the loan voucher must be consistent with the subsidiary ledger of the credit union. In case of any inconsistency, the IOU shall prevail.

Twelfth farmers who arbitrarily change the purpose of loans, lease, lend and transfer loan vouchers should immediately cancel their qualifications for micro-credit loans.

Thirteenth loan issuers, understand and master the production and operation of farmers, and strengthen post-loan management. The loan officer shall be responsible for the authenticity of the inspection materials provided to the credit evaluation team.

Fourteenth small credit loans for farmers can not be received due to natural disasters in production and business activities, and can be postponed.

Fifteenth farmers micro-credit loans according to the benchmark interest rate and floating range of loans published by the People's Bank of China appropriate concessions.

Sixteenth farmers small credit loans settlement method is the same as general loans.