The current loan interest rate is 0 to 6 months, and the annual interest rate is 4.35. From 6 months to 1 year, the annual interest rate is 4.35. From 1 to 3 years, the annual interest rate is 4.75. The loan interest rate needs to be priced based on the business type, credit status, guarantee method, etc., and can only be determined after approval. No matter what product you apply for, banks attach great importance to personal credit records, which directly determines whether the loan can be successfully recovered. Therefore, if your personal credit record is relatively good, you can enjoy a relatively low loan interest rate, which can directly reduce your loan. But if your credit record is not that good, the mortgaged house will be worth a lot of money, and the bank will feel that your ability to repay is worrying, and the bank will politely refuse. The age limit is 18-80 years old. If the age is too high, banks will often consider the borrower's repayment ability and reject the loan if the age is too high. This is easy to understand. According to my country's retirement system, women retire at the age of 55 and men retire at the age of 60. Funding sources mostly rely on pensions and living expenses. Although stable, the amount is not very large. Moreover, banks will inevitably consider unforeseen circumstances for elderly people, so older people will be rejected when applying for loans.