Legal analysis: the age of mortgage loan must be at least 18 years old and not more than 60 years old. Some banks will stipulate that they should not exceed 65 years old, and the sum of the mortgage period and age of mortgage loans should not exceed the maximum age limit. When the bank evaluates the repayment period of the mortgage for the borrower, it is based on his age. Under the premise of meeting the loan conditions, the younger the age, the longer the loan term, and vice versa. Under normal circumstances, "the lender's age+the loan period does not exceed 65 years" is the standard for the loan period that banks can handle. The borrower must be at least 18 years old and have full capacity for civil conduct. The upper limit of the loan age is 60 for men and 55 for women. And the loan repayment period cannot exceed the above age limit, that is, the loan period+current age cannot exceed 60 for men and 55 for women. There is an age limit for personal loans. According to the personal loan regulations of banks, the age limit of loans in China is 18 years old and under 65 years old. Individual banks may be different. Please consult the relevant bank staff for details. There is an age limit because usually 18 years old and under 65 years old will have the financial resources to pay off debts.

Legal basis: Article 674 of the Civil Code of People's Republic of China (PRC) stipulates that the borrower shall pay interest within the agreed time limit. If the time limit for paying interest is not stipulated or clearly stipulated, and cannot be determined according to the provisions of Article 510 of this Law, if the loan period is less than one year, it shall be paid together with the loan; If the loan term is more than one year, it shall be paid at the end of each year; if the remaining term is less than one year, it shall be paid together with the loan.