1. Age limit of housing mortgage loan 18 years old or older, male 60 years old, female 55 years old. The term of real estate mortgage loan can be up to 30 years, and the actual age of the applicant plus the loan term can not exceed 60 years.

2. Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans.

Personal loan application shall meet the following conditions:

(1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state;

(2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Second, what information do you need for housing loans?

Housing loans need the following information:

1, a copy of the applicant's ID card and household registration book;

2. The original work certificate with official seal issued by the lender's current work unit. If it is a self-employed person or the person in charge of the company, a copy of the business license or equity certificate is required;

3. The original personal income certificate and the salary flow in the last 6 months or the personal flow in the last 6 months;

4. Original personal credit report, with good credit and no bad records;

5. Proof of marital status.