If you apply for a loan at China Merchants Bank, our bank stipulates that the lender must be at least 18 years old, and the age plus the loan period should not exceed 70 years old, subject to the approval of the outlets.
(Response time: February 24, 2022. Please refer to the latest business changes announced by China Merchants Bank in official website. )
/kloc-can I get a loan at the age of 0/7?
Because according to the regulations, only people over the age of 22 can apply for loans, and you are only 17 years old and a minor, so you can't apply for loans.
Generally speaking, applying for personal unsecured loans from banks or other lending institutions requires the following conditions:
1, a citizen of Chinese mainland, aged between 25 and 55. 2 have a legitimate and stable job, a stable source of economic income and the ability to repay the principal and interest on time. 3. Good credit record and no record of overdue repayment.
In addition, contracts signed by minors are also invalid contracts.
Legal basis:
People's Republic of China (PRC) Civil Code
Article 144 A civil juristic act performed by a person without capacity for civil conduct is invalid.
Article 146 A civil juristic act by the actor and the counterpart with false intention is invalid. The validity of a concealed civil juristic act with false intention shall be handled in accordance with relevant laws and regulations.
Article 153 A civil juristic act that violates the mandatory provisions of laws and administrative regulations is invalid. However, unless mandatory provisions do not invalidate civil legal acts. A civil legal act that violates public order and good customs is invalid.
Article 154 A civil legal act in which the actor colludes with the counterpart in bad faith and damages the legitimate rights and interests of others is invalid.
/kloc-can I get a loan at the age of 0/7?
/kloc-how to get a loan at the age of 0/7 \x0d\ mortgage loan that adults can handle \x0d\ what do you use as collateral \x0d\ fixed income as guarantee \x0d\ Do you have a work unit? \x0d\ Fixed salary income \x0d\ Do you have any real estate? Property mortgage \ x0d \ x0d \ loan companies should verify and evaluate risks one by one.
/kloc-can I apply for a small loan at the age of 0/7?
I'm only 17 years old. I can't do loan business at present. I'm at least 18 years old. I need a stable job or a fixed financial income.
Personal microfinance has the following risks:
Personal consumption credit risk mainly comes from the borrower's repayment ability and personal credit risk, that is, the fluctuation range of personal income and the level of moral quality cultivation, in which personal credit status is closely related to the credit environment of the whole society.
There are defects in the management of commercial banks, which increase the potential risks. At present, although the domestic commercial banks continue to strengthen the system construction, the overall management level is still not high, and it is difficult to jump out of the strange circle of "chaos once released and death once caught".
Blind marketing and unplanned distribution of consumer credit have generated great risks. In recent years, in order to expand profitability and seize market share, commercial banks have encouraged their branches to vigorously develop personal consumer credit business.