65 years old.

1. According to national regulations, friends applying for loans must be over 18 years old.

2. Different lending institutions have age restrictions on borrowers for different loan products. Generally, it is over 18 years old and under 65 years old.

3. Some loan products have age restrictions based on the gender of the borrower. The age limit for female applicants is 22 years and above, while the age limit for male applicants is 20 years old.

According to the "Interim Measures for the Management of Personal Loans":

Article 11

Personal loan applications should meet the following conditions:

( 1) The borrower is a citizen of the People's Republic of China with full capacity for civil conduct or an overseas natural person who complies with relevant national regulations;

(2) The purpose of the loan is clear and legal;

( 3) The amount, term and currency of the loan application are reasonable;

(4) The borrower has the willingness and ability to repay;

(5) The borrower has good credit status and no Major bad credit record;

(6) Other conditions required by the lender.

Article 12

The lender shall require the borrower to submit a personal loan application in writing and require the borrower to provide relevant information that can prove that he or she meets the loan conditions.

Article 13

After accepting the borrower’s loan application, the lender shall perform due diligence responsibilities and verify the authenticity, accuracy and completeness of the personal loan application content and related circumstances. Conduct investigation and verification and form investigation and evaluation opinions.

Extended information:

According to the "Interim Measures for the Management of Personal Loans":

Article 35

After the personal loan is paid, Lenders should adopt effective methods to track, inspect, monitor and analyze the use of loan funds, changes in the borrower's credit and guarantee status, etc., to ensure the safety of loan assets.

Article 36

Lenders should distinguish the types, objects, amounts, etc. of personal loans, and determine the corresponding methods, content, and frequency of loan inspections. The lender's internal audit and other departments should conduct spot checks and evaluate the work quality of the loan inspection functional departments.

Article 37

The lender shall regularly track, analyze and evaluate the borrower's performance of the loan contract and serve as the basis for credit evaluation of subsequent cooperation with the borrower.

Article 38

The lender shall, in accordance with the provisions of laws and regulations and the loan contract, respond to the borrower's failure to provide true and complete information as promised in the contract and the failure to use it as stipulated in the contract. Liability for breach of contract will be pursued for the use and payment of loans.

Article 39

Personal loans can be extended with the consent of the lender.

For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; for personal loans over one year, the cumulative extension period plus the original loan period shall not exceed the stipulations for the loan type. Maximum loan term.

Article 40

The lender shall recover the principal and interest of the loan in accordance with the loan contract.

For loans that are not repaid as stipulated in the loan contract, the lender should take measures to collect them or agree to restructure them.

If a lender handles personal loan business in violation of the provisions of these Measures, the China Banking Regulatory Commission shall order it to make corrections within a time limit. If a lender has any of the following circumstances, the China Banking Regulatory Commission may take supervisory measures stipulated in Article 37 of the Banking Supervision Law of the People's Republic of China and the People's Republic of China:

(1) ) Failure to perform due diligence in loan investigation and review;

(2) Failure to establish and implement loan interviews and loan contract interview systems as required;

(3) Failure to adopt standard clauses in loan contracts Publicly announced;

(4) Violation of the provisions of Article 27 of these Measures;

(5) Payment management does not meet the requirements of these Measures.

Article 42

〖If a lender has any of the following circumstances, the China Banking Regulatory Commission shall, in addition to taking supervisory measures in accordance with Article 41 of these Measures, also They may be punished in accordance with Articles 46 and 48 of the Banking Supervision and Administration Law of the People's Republic of China and the State Council:

(1) Issuance of unqualified personal loans

(2) The signed loan contract does not comply with the provisions of these Measures;

(3) Violates the provisions of Article 7 of these Measures;

( 4) Entrusting a third party to complete all loan investigation matters;

(5) Going beyond or disguisedly exceeding the loan authority to approve the loan;

(6) Instructing the borrower to fabricate circumstances to obtain the loan. For loans;

(7) The borrower’s violation of the loan contract should have been discovered but was not discovered, or effective measures were not taken even though it was discovered;

(8) Serious violation Other circumstances under the prudent business rules stipulated in these Measures.

Baidu Encyclopedia-Interim Measures for Personal Loan Management