Legal analysis: if it is a formal lending institution, it is not allowed to lend to minors. If you are short of money, it is recommended to borrow it from your parents and relatives. According to the Banking Law, China citizens must be at least 18 years old and have full capacity for civil conduct before they can apply for bank loans. /kloc-under 0/8 years old, that is, minors can only apply for student loans, and other loans are not allowed.
Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: 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; The purpose of the loan is clear and legal; The amount, duration and currency of the loan application are reasonable; The borrower has the willingness and ability to repay; The borrower's credit status is good and there is no significant bad credit record; Other conditions required by the lender.
2. Can I borrow money after18?
Legal analysis: Yes, as long as the following personal credit loan conditions are met: 1, the borrower must be a natural person who has reached the age of 18 and has full civil capacity; 2. Have permanent residence or valid residence status in China; Provide personal identification, which can be ID card, residence permit, household registration book, marriage certificate and other materials; 3. The bank's credit loan first requires the applicant to have a good credit record; 4. Have the ability to repay the loan, and provide stable proof of occupation and income source, bank flow sheet, labor contract, etc. ; 5. Can provide complete purchase contract, purchase contract, admission card, investment plan and other documents. Documents proving the purpose of the loan; 6. Provide stable proof of address, house lease contract, water and electricity bills, property management and other relevant certificates; 7. Provide valid certificates recognized by the lending institution, and provide true and valid relevant information required by the bank; 8. Other conditions stipulated by bank lending institutions.
Legal basis: Article 11 of the Interim Measures for Personal Loans in People's Republic of China (PRC) 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.
3. Where can I get a loan below18?
If you apply for a personal loan in China Merchants Bank, at present, China Merchants Bank stipulates that the age of the lender must be 18 years old, and the loan age must not exceed 70 years old. If minors need to apply for a loan, they can try to have their parents (or one of them) as the same loan applicant; Whether it can be handled specifically, I suggest you contact the personal loan department of the local China Merchants Bank outlet for details.