The upper limit of the average person's loan age is 65, and he can borrow for 6 years. Individual quality customers can be relaxed to 70 years old. However, you also need to consult the specific loan bank. Some banks can apply for retirement as long as they have a formal job at the age of 59, and some cannot apply after the age of 55. The longest term of ABC can be 1 1 year. When handling bank loans, banks will limit the age of lenders, but this is stipulated by the banks themselves. For example, the Agricultural Bank of China stipulates that the age of the lender plus the loan period cannot exceed 70 years, and the Bank of China stipulates that the age of the male lender plus the loan period cannot exceed 65 years, and the female cannot exceed 60 years. Both ICBC and CCB stipulate that the age of the lender plus the loan period cannot exceed 65 years old. Of course, if you meet the age limit, you must also meet the loan conditions stipulated by other banks. The bank's restriction on the loan period is a measure for banks to control the loan risk. If the borrower is too old, the loan risk will become higher. If the lender is too young and has no stable income, the repayment ability is worth considering. Mortgage loans, people are most concerned about the conditions and procedures. 1. The materials to be provided for mortgage loan are: 1, the ID card of the applicant and spouse, and the original and photocopy of the household registration book (if the applicant and spouse are not registered in the same household, a marriage certificate shall be attached). 2. The original purchase agreement. 3. 1 Original and photocopy of advance payment receipt for 30% or more of the house price. 4. Proof of the applicant's family income and related assets, including payroll, personal income tax bill, income certificate issued by the company, bank deposit certificate, etc. 5. The developer's collection account number is 1.

Legal basis: According to the relevant provisions of the General Rules for Loans, the borrower's enterprise shall be an enterprise (institution) legal person or other economic organization approved and registered by the administrative department for industry and commerce (or competent authority). The "Measures for the Administration of Loan Certificates" clearly stipulates that enterprises are only eligible to go through the loan repayment procedures after receiving the loan certificate. The so-called loan certificate is the qualification certificate issued by the China Banking Regulatory Authority to registered legal person enterprises to apply for loans from domestic financial institutions.