No, because there may be an age limit for applying for a loan, and borrowers over 70 are not allowed to borrow.
Conditions for applying for loan business:1natural person aged 8 to 65; The actual age of the borrower and the loan application period should not exceed 70 years old; Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule; Good credit information, no bad records, and legal use of the loan; Other conditions stipulated by the bank.
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1. The application conditions for bank loans are as follows:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
Second, the loan application process:
1. The borrower shall fill in the application form at the loan handling office with valid ID, pledge, mortgage certificate and guarantor's guarantee. After investigating the borrower's guarantee and credit, the bank will reply to the borrower within 15 days.
2. After the borrower's application is approved, it will sign a loan contract and corresponding guarantee contract with the bank.
3. Within the validity period of the credit line and the available credit line, the borrower can withdraw money at any time, fill in the loan when withdrawing money, and withdraw a single loan. The bank will transfer the loan funds into the account agreed in the contract.
According to different classification standards, there are many types of bank loans. For example:
(1) According to different repayment periods, it can be divided into short-term loans, medium-term loans and long-term loans;
(2) According to different repayment methods, it can be divided into demand loans, term loans and overdrafts;
(3) According to the purpose or object of the loan, it can be divided into industrial and commercial loans, agricultural loans, consumer loans and securities broker loans.
(4) According to the different loan guarantee conditions, it can be divided into bill discount loan, bill mortgage loan, commodity mortgage loan and credit loan.
(5) According to different loan amounts, it can be divided into wholesale loans and retail loans;
(6) According to the different ways of interest rate agreement, it can be divided into fixed interest rate loans and floating interest rate loans, and so on.
Different financial institutions have different application conditions for applicants to apply for personal loans. Only by maintaining a good personal credit can an applicant successfully obtain a loan on the financial platform. After understanding the personal loan handling process, the applicant needs to prepare the corresponding materials in advance.
Can I get a loan over 60?
Honey, I'm glad to answer your question. Older people over the age of 60 can apply for loans, but they must choose loans with an upper age limit of 60. The upper age limit of most loans is 55-60 years old, and the elderly over 60 years old cannot apply for such loans. The upper age limit of the loan is 65-70, so people over 60 can try to apply for this kind of loan.
As for whether the loan can pass the audit, it depends on the audit results. The older the lender is, the stricter the audit will be. After all, the older the lender is, the weaker the repayment ability will be.
Can I get a loan at the age of 65?
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 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.
Online loan big data can clearly reflect the user's recent application for online loans, whether online loans are repaid on time, and whether identity information is suspicious. You can get a detailed risk report through credit inquiry tools such as "Xiaoqi Credit Check".
Extended data:
How old can I apply for a mortgage?
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.
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.
Can a 50-year-old get a loan?
Banks and lending institutions generally have certain requirements for the age of borrowers, but different loan products have different regulations. Therefore, some loan products cannot be handled by people over 50 years old, but some loan products are still within the scope of loans over 50 years old.
Of course, even if you are over 50 years old, you are still eligible to apply for a loan, but because the borrower is too old and risky, the bank is more likely to refuse the loan.
Therefore, it is suggested that when you apply for a loan, you should find a person with good reputation as a guarantee, so that the chances of loan success will be higher. If you have enough income from assets, you can also provide more information on income from assets to prove your repayment ability, and apply for mortgage loan directly with assets as collateral.
Loan terms:
At present, applying for personal loans to spend in advance has become a lifestyle that people gradually accept. Enjoy first, then consume, and get personal loans, so that modern urbanites with an increasingly accelerated pace of life can alleviate the pressure brought by all aspects. In recent years, by continuously expanding personal loan business, banks have launched a series of comprehensive and fast personal loan services. For example, personal consumption loans, including personal study abroad loans, personal travel loans, personal car loans and so on. So, what conditions do all kinds of personal loan businesses need to meet?
Generally speaking, to apply for a personal loan, you need to meet the following conditions:
1. A China citizen who has a permanent residence, permanent residence or valid residence certificate at the place where the loan bank is located, is under 65 years of age (inclusive) and has full capacity for civil conduct;
2. Have a proper occupation and stable income, and have the ability to repay the loan principal and interest on schedule;
3. Have a good credit record and willingness to repay, and no bad credit record;
4. Being able to provide legal, effective and reliable guarantee recognized by the bank;
5. There is a clear loan purpose, and the loan purpose is in compliance with relevant regulations;
6. Other conditions stipulated by the bank.
Generally speaking, for personal comprehensive consumer loans, personal credit loans and other loan types, the conditions for applying for loans are largely based on personal credit accumulation in banks. At this time, when applying for a loan, try to submit some materials that can increase your credit, such as academic qualifications and income certificates. The higher the credit accumulation, the larger the loan amount.
Second hand mortgage loan
1. ID card, marriage certificate, household registration book and marriage certificate (single certificate) of the borrower and the seller.
2. Transaction of real estate license, the average real estate does not exceed 15 years.
3. Housing sales contract.
4. proof of down payment.
5, the borrower's income certificate, salary details, bank flow, etc.
6. Other materials required by the bank.
7. A just statement that someone agrees to mortgage the property.