Bank loans also depend on whether you have a pension. Pension is an important consideration to ensure repayment ability; If your pension can be more than the usual expenses, then the probability of getting a mortgage is greater. But if it's less than 2000 a month, I'm afraid it's a bit difficult. Generally speaking, it will be set at around 22 to 60 years old; No matter how loose it is, it can only be relaxed to 18 to 65 years old. Therefore, it may be a bit difficult to get a loan to buy a house after this age. Because the retired old people can't guarantee their repayment ability because they have no economic income; Coupled with the decline of physical function, once you get sick, you may need a lot of money, so when you are old, the bank will consider such risks and refuse your loan request.