If you apply for a personal loan at China Merchants Bank, China Merchants Bank currently stipulates that the lender must be at least 18 years old, and the age+loan period should not exceed 70 years old. If minors need to apply for a loan, they can try to have their parents (or one of them) as the same loan applicant; Whether it can be handled specifically, I suggest you contact the personal loan department of the local China Merchants Bank outlet for details.