In the bank's view, the retirement pension of retirees can only be regarded as the basic guarantee of life, not as the embodiment of repayment ability. However, if retirees start their own businesses after retirement and become business owners of the company, then banks will dispel their concerns about repayment ability and reconsider loan approval.

In addition to some basic loan requirements, there are actually many intangible loan requirements, such as different requirements for loan time, borrower's occupation and borrower's age. , so that the borrower can pay off the loan as soon as possible while still having repayment ability, so as to avoid accidents in the future.

If you must do it, you can find a guarantor, which is still possible, but the nature of the loan thus made becomes a secured loan, and the initial retirement salary card mortgage is basically meaningless.