Different banks may have special provisions, depending on the provisions of the lending bank. According to relevant laws and regulations, adults are persons with full capacity for civil conduct and can independently carry out civil legal acts. /kloc-Minors over 0/6 years old whose main source of livelihood is their own labor income are regarded as persons with full capacity for civil conduct.

Personal mortgage loan application needs to meet the following conditions:

1, age 18 or above and 65 or below; A natural person with legal and valid identity certificate, residence certificate, income certificate, no bad credit record and full capacity for civil conduct;

2. The sum of the applicant's age and the loan period shall not exceed 70 years old;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

7. Other conditions stipulated by the handling bank.

Housing loans can be obtained if the age limit in the processing conditions of housing loans is within 18-65.

Legal basis: Article 669 of the Civil Code of People's Republic of China (PRC).

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.