cannot

Conditions for applying for loan business:

Natural persons aged between 18 and 65;

The actual age of the borrower and the loan application period should not exceed 70 years old;

Have the ability to stabilize employment and income and repay the principal and interest of loans on schedule;

Good credit information, no bad records, and legal use of the loan;

Other conditions stipulated by the bank.

2. Can a bank with a deposit of 65-70 years old get a loan?

Almost impossible

The theory is that loans can be made at the age of 65, and one of the conditions for bank loans is that the loan period plus the application age cannot be older than 70, that is, the longest loan period for a 65-year-old lender is 5 years. At the same time, considering the income situation and stability, most financial institutions set the loan age between 18~65, so it is up to the financial institution that issues the loan.

Because you can't apply for a loan in the bank after a certain age, or if you are too old, if you are over 70 years old, then the general bank will not accept you as a borrower.

Can people over the age of 3.70 deposit money in the bank?

People over 70 can borrow money from the bank, but I don't think it is necessary and the bank will not lend it to you. They will bring you fixed assets.

Can you still get a loan at 65?

The theory is that a 65-year-old lender can borrow money, and one of the conditions for bank loans is the loan term plus the application age, which means that the longest loan term for a 65-year-old lender is five years. At the same time, considering the income situation and stability, most financial institutions set the loan age as 18~65, so it is up to the financial institution that issues the loan.

The possibility of applying for a loan at the age of 65 is generally low, unless the applicant's personal qualifications are relatively high.

Loan principle

"Three natures" refer to safety, liquidity and efficiency, which are the basic principles of commercial banks' loan operation. Article 4 of the Law on Commercial Banks stipulates: "Commercial banks shall operate independently, bear their own risks, be responsible for their own profits and losses, and manage themselves by themselves on the principle of safety, liquidity and efficiency."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period of time or realize it quickly without loss of land, so as to meet the demand of customers for withdrawing deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

For example, if long-term loans are issued, the interest rate will be higher than short-term loans, and the benefits will be good. However, if the loan term is long, the risks will increase, the security will decrease and the liquidity will weaken. Therefore, the "three natures" should be harmonious, and the loan can be without problems.

Repayment method

(1) Matching principal and interest repayment method: that is, the sum of loan principal and interest is repaid by monthly matching repayment. Most banks have adopted this method for housing provident fund loans and commercial personal housing loans. In this way, the monthly repayment amount is the same;

(2) Equal principal repayment: a repayment method in which the borrower distributes the loan amount to each installment (month) evenly throughout the repayment period and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Paying interest and principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans with a term of less than one year (including one year)), and the loan bears interest on a daily basis and the interest is repaid on a monthly basis;

(4) Repaying part of the loan in advance: that is, the borrower can repay part of the loan amount in advance when applying to the bank, which is generally an integer multiple of 65,438+0,000 or 65,438+0,000. After repayment, the lending bank will issue a new repayment plan, in which the repayment amount and repayment period change, but the repayment method remains unchanged, and the new repayment period shall not exceed the original loan period.

(5) Repayment of all loans in advance: that is, the borrower can repay all the loan amount in advance when applying to the bank, and the loan bank will terminate the borrower's loan at this time after repayment and handle the corresponding cancellation procedures.

(6) Pay back as you borrow: the interest after borrowing is calculated on a daily basis, and the interest is calculated on a daily basis. You can pay the money in one lump sum at any time without paying a fine.