General loan platform: people over 60 years old are not allowed to apply for loans. Anyone who knows about loans knows that no matter what kind of loans, there is an age limit. The lowest is 18 years old and the highest is under 60 years old. Some platforms can be relaxed to 65 years old. If the elderly in this range are still eligible to apply for loans, beyond this age, whether it is online loans or bank loans, it is basically difficult to pay and will be rejected. In addition, even within this range, other application conditions need to be met. Taking banks as an example, most applications for unsecured loans require income, that is, how much more money must be earned each month. If it is a retired worker, it is possible to achieve it. If there is no pension, it is difficult to get a loan.

Older people can borrow money to buy a house in the following ways:

1. mortgage loan: the elderly can consider this kind of mortgage loan. If they have a house before, they can consider mortgaging it, or have some valuables, or they can take a loan as collateral.

2. Guaranteed loan: This kind of loan is actually quite difficult, mainly because the guarantor is hard to find and there are a lot of procedures to go through. You can find some acquaintances and friends, and you can get a loan with a guarantee. It is better to notarize the specific things.

3. Personal mortgage relay loan:

The elderly can choose to apply for a loan with their children and sign a real estate license together, and the loan period can be extended by relying on the income and repayment ability of one of them (the actual lender).

Of course, the best way is for children to buy a house for the elderly, which is also a common way at present. If many children have the ability to help their parents with loans, banks will be relatively easy to issue loans; If the elderly insist on buying their own, they can add their children's names and extend the loan period.