If it is handled in China Merchants Bank, the lender must be at least 18 years old, and the age plus the loan period shall not exceed 70 years old. If two or more applicants apply for a loan, the loan term can be reasonably determined according to the actual situation. However, not all borrowers are over 70 years old, have the ability to repay the loan principal and interest on time, abide by the law, be honest and trustworthy, have no illegal acts, have not been involved in any criminal or civil cases against them at present, have good credit, meet the requirements of our bank, and have no breach of contract in the loan business handled by our bank at present.