Legal analysis: It is not the borrower's requirement that natural persons aged 65,438+08-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners) have the ability to have a stable job, a stable income and repay the loan principal and interest on schedule. The actual age of the borrower plus the loan application period shall not exceed 70 years old.

Legal basis: Article 35 of People's Republic of China (PRC) Commercial Bank Law. Commercial banks should strictly examine the borrower's loan purpose, repayment ability and repayment method.