Legal analysis: Yes, you can also apply for a housing loan after retirement. The requirements are as follows:

Need information ID card, household registration book, marriage certificate, income certificate, bank flow, (married couples provide information)

Submit the information to the bank for approval, and the bank will inform you to lend money after the approval.

Legal basis: Interim Measures for Personal Loans

Article 11 An individual loan application shall meet the following conditions:

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

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

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

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

(5) The borrower's credit status is good and there is no significant bad credit record;

(6) Other conditions required by the lender.

Article 12 The lender shall require the borrower to apply for a personal loan in writing, and require the borrower to provide relevant materials that can prove that it meets the loan conditions.

Second, retired parents borrow money to buy a house

First, parents' pension is enough to bear the repayment ability;

Second, you can also use real estate as collateral.

With repayment conditions, you can borrow money to buy a house.

3. Can retired parents borrow money from their children to buy a house?

You can only buy it in the name of your parents, and your parents can borrow money before they reach the maximum age for bank loans. At present, the general bank loan age, men do not exceed 60 years old, women do not exceed 55 years old, can be loaned. If there is any problem with the income certificate, the children can sign the bank loan information as the repayment party. Children can't be shown on the real estate license.