Subjectivity of law: the conditions for applying for bank loans: 1, the applicant's age, credit information, income, etc. 2. Applicants are required to be between the ages of 18 and 60. 3. Personal credit information is in good condition and there is no record of bad credit information. The amount of bank loans is determined according to the loan products applied by users. Generally, the maximum credit loan will not exceed 300,000, depending on the user's income.
Legal objectivity: Article 18 of the Interim Measures for the Administration of Personal Loans comprehensively examines the legality, rationality and accuracy of the loan investigation, focusing on the due diligence of the investigator, the borrower's repayment ability, integrity, guarantee, the proportion of mortgage (pledge) and the degree of risk.
2. What bank can retirees borrow, and at what age can they borrow?
With the development of the times, it is normal to borrow money from banks now, because many people apply for loans when they invest and start businesses, and some people want to borrow money from banks after retirement. So, which banks can retirees see?
What banks can provide loans for retirees?
It is understood that retirees can borrow from the five major banks. Generally speaking, it is enough to bring your ID card, retirement certificate and retirement salary. If banks don't give loans, you can consult several banks, or you can consider Ping An Pratt & Whitney and use mortgage loans.
The borrower's age is between 18 and 65, and the loan cannot be made over 65. However, the maximum age limit for bank loan borrowers can be calculated, and institutions can relax it to 75. Generally speaking, retirees can still apply for loans if the applicant is under 70 years old.
Agricultural Bank can handle retirement loans. Generally, the age limit for bank loans is 18 years old, and the loan age is slightly longer, from 18 years old to 70 years old. However, 70 years old is also the highest age for repayment, that is to say, the age at the time of loan and the loan period can not be retired until 60 years old, and loans can be made.
Many banks can apply for loans between the ages of 8 and 60. Because they are over 60 years old, their income level and physical condition may decline. For the benefit of the bank, the bank will not allow people over 60 to apply for loans at the bank. However, as one of the four state-owned banks, Agricultural Bank of China is concerned about the loan period.
The age requirement for agricultural bank loans is between 18 and 70, but so is this 70-year-old, which means the age at the time of loan plus the age at the time of loan. This is actually a kind of protection for bank assets. So if you want the Agricultural Bank to handle it. At present, in China, women generally retire at the age of 55, while men retire at the age of 60. According to these two age groups, if the qualifications are good enough, you can apply for a bank loan of 10- 15 from the Agricultural Bank.
Apply for a retirement loan, because the applicant is older and generally needs a mortgage. The lender's real estate license needs to be provided when handling, and the bank will evaluate it. At the same time, it is necessary to provide the bank card and credit report of the applicant's retirement salary for more than half a year, as well as other requirements, in order to be successful. So if you want to apply for a retirement loan, you can apply to the Agricultural Bank. The specific requirements are as follows.
Third, the minimum loan amount to the bank is the minimum loan amount stipulated by the bank.
The appropriation depends on the specific situation, at least 10 thousand!