Legal subjectivity:

There is an age limit for applying for provident fund loans. The maximum period shall not exceed 5 years after the borrower’s legal retirement age, which is 65 years for men and 60 years for women. The current employees of the unit have signed a labor contract for more than three years (or signed a one-year labor contract for three consecutive years); they have paid housing provident fund normally and continuously on a monthly basis for more than a certain period; and they have not exceeded the legal retirement age. Legal objectivity:

"Civil Code"

Article 144

Civil legal acts performed by persons without capacity for civil conduct are invalid.

"Civil Code"

Article 145

Civil legal acts performed by persons with limited capacity for civil conduct that are purely for profit or related to their age, Civil legal acts commensurate with the intellectual and mental health conditions are valid;

Other civil legal acts carried out shall be valid with the consent or ratification of the legal representative. The counterparty may urge the legal agent to ratify the decision within thirty days from the date of receipt of the notice. If the legal representative fails to make any representation, it shall be deemed as a refusal to ratify. Before a civil legal act is ratified, a bona fide counterparty has the right to revoke it. Cancellation shall be made by notification.