General banks require borrowers to be 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. When the borrower applies for housing mortgage loan or mortgage loan, the loan term+current age shall not exceed the bank loan age limit, that is, men are 60 years old and women are 55 years old.

Second, the specific analysis

Property buyers pay provident fund loans on time and meet the conditions of provident fund loans. According to the regulations, the longest term of provident fund loans does not exceed 5 years after the borrower retires. For example, when a man retires at the age of 60, he can only lend to the borrower at the age of 65 at the longest; Women retire at the age of 55, and the longest loan period can only be until the borrower is 60 years old.

However, commercial loans are different, and each bank has different requirements for the age limit of lenders, which may change and adjust with the bank's quota; In most cases, it will be slightly shorter than the life of the provident fund lender.

In second-hand loans, banks generally limit the age of second-hand houses and the age of borrowers. For example, the borrower must not be over 65 years old. Banks have different age requirements for borrowers, and banks require male borrowers to be no older than 65.

The conditions that the applicant needs to meet when buying a house by loan are: the age is between 18-60 years old; Have a stable economic income and be able to repay the loan principal and interest on time; There is a legal and effective purchase contract or agreement; Having assets that can be mortgaged or pledged as approved by the lending bank; Being able to pay the down payment according to the proportion required by the loan bank; Other conditions stipulated by the lending bank.

You can get the online loan big data report from the platform of "Xiaoqi Credit Information", which contains information such as online loan history, overdue details of online loans, liabilities, untrustworthy information, and online loan blacklist.

Can a person aged 3.65 apply for a loan?

People over the age of 65 can apply for loans, because the major banks stipulate that lenders must be at least 65,438+08 years old, and the age plus loan period should not exceed 70 years old. This means that people over the age of 65 can only apply for loans for five years at most, and it also means that people over the age of 65 can't apply for mortgages, because mortgages are mostly for decades.

When applying for a loan, the bank will first look at the applicant's ID card and his age, and then evaluate whether he meets the age requirements for the loan. Then, it will look at the applicant's repayment ability, such as the applicant's income, whether he has a job or not, and what is the fixed monthly expenditure, and then calculate whether he can repay the loan on time.

When an individual applies for a loan, if he is stuck because of his age, he can apply for a loan from two or more people. If the bank stipulates that two or more applicants apply for a loan, the loan period can be reasonably determined according to the actual situation, but not all borrowers are over 70 years old with loan years. Unless otherwise stipulated by the local regulatory authorities, the relevant regulations of the local regulatory authorities shall prevail.