Refers to a loan product provided by banks or other financial institutions to people with stable age and income, in order to help them get financial support after retirement.

Pension loans require borrowers to be over 50 years old and have a stable source of income, such as pension, salary or rent. The loan amount depends on the borrower's income and credit rating, and does not exceed 50% of the borrower's annual income. Some banks also require borrowers to provide guarantees or guarantors to ensure the safety of loans.