What is the loan age limit?

1. According to national requirements, the age of the customer applying for the loan needs to be above 18 years old;

2. There are some loan commodities, and the time is limited according to the gender of the lender. For female applicants, the age limit is over 22, while for male applicants, the age limit is 20;

3. Before applying for a personal credit loan, the lender may consult the lending institution in detail in advance, and then apply for a loan after confirming that it meets the criteria for applying for a loan.

Conditions to be met for bank loans in 2022:

1. Borrower 18 years old or above, and the maximum borrowing age is not more than 60 years old or 65 years old. Different banks have different age limits for borrowers;

2. The borrower has a stable job and a sustainable income, and has the ability to repay the loan principal and interest;

3. The borrower has a good personal credit status and is willing to repay the arrears.

The above three conditions are necessary for handling bank loans. In addition to these necessary conditions, the borrower also needs to meet other conditions stipulated by the bank, such as the borrower needs to open an account in the bank, or the loan bank pays wages. The specific loan conditions shall be subject to bank regulations.

Generally speaking, whether a borrower can obtain loan funds smoothly depends mainly on the borrower's repayment ability and willingness. The repayment ability is mainly reflected in income and property. Therefore, when applying for a bank loan, you usually need to provide proof of work and income, and it is best to provide proof of financial resources such as bank running water, bank deposit slips, funds and stocks. The better the personal financial situation, the more helpful it is to improve the loan pass rate.

How old can I get a loan?

The lender must be at least 18 years old, and the age plus the loan period shall not exceed 70 years old.

Because the minimum age limit stipulated by general lending institutions is 18 years old, most of them are in high school and have no economic repayment ability. Therefore, regular lending institutions will not lend you money.

Extended data

Lender's requirements

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.