Not according to age. You must have collateral to get a loan, and the sum of the loan amount and the interest during the loan period cannot exceed1/2 of the assessed value of the collateral; 2. Have a long-term and stable income source, enough to pay the monthly loan principal and interest; 3. Guarantor; 4. Information required for personal loan: ID card, household registration book, proof of marital status, income certificate, real estate license, ID card, household registration book, proof of marital status and other relevant information required by the bank. If you want to find an agency, you should pay the lawyer's witness fee, mortgage registration fee, mortgage property insurance fee, property evaluation fee, etc.

Second, what is the age limit for loans?

The loan age must be 18 years old and have full capacity for civil conduct. The upper limit of the loan age is 60 for men and 55 for women. Moreover, the repayment period of the loan cannot exceed the above age limit, that is, the loan period. At present, men can't be over 60 and women can't be over 55. What materials do you need to apply for a loan? The materials needed to handle the loan are as follows: 1, the borrower and the borrower's valid identity documents, such as ID card, household registration book, marriage certificate, etc. 2. Work certificate or income certificate with company official seal; 3. Proof of economic strength/financial resources, such as real estate license, driving license, financial management certificate, bank running, five insurances and one gold deposit certificate; 4. Personal credit report, and no bad credit record. In addition, the borrower should provide relevant materials according to the demand of the actual loan products to ensure the success rate of the loan. What are the requirements for handling loans? The requirements for handling loans are as follows: 1. The party concerned is a person with full capacity for civil conduct; 2. The purpose of the loan is clear and legal; 3. The loan requirements are reasonable; 4. Have the willingness and ability to repay; 5. The credit status is good, and there is no major bad credit record. Legal basis: Article 668 of the Civil Law of People's Republic of China (PRC) shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

3. How old can I apply for a loan?

The upper limit of the loan age is 60 for men and 55 for women. The repayment of the loan, that is, the term of the loan, is currently no more than 55 years old for men.

Loans, that is, loans from banks, credit cooperatives and other institutions, generally stipulate interest,

Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks will put concentrated money and monetary funds out in the form of loans, which can meet the needs of expanding social reproduction and promoting economic development, and at the same time banks can also obtain loan benefits from it.

Establish a fixed-term appointment system for the legal representative of the borrower and its main management personnel. The appointment period can be determined according to the size of the loan amount and the changes in the production and operation of the borrower. If the loan amount is large, the appointment period should be shortened accordingly.

Loan officers (loan officers, members of credit review teams and credit review committees) and borrowers shall not engage in improper loan activities.

Credit officers and their immediate family members shall not accept cash and valuables from borrowers; Shall not participate in recreational activities paid by the borrower; No expenses shall be repaid to the borrower.

For loans with large loan amount and long term, or loans used by borrowers for specific purposes, lawyers, accountants and other professionals should be hired to make professional judgments and provide expert opinions on related matters.

Interest refers to the remuneration paid by the borrower to the lender for obtaining the right to use funds, which is the price of funds (that is, loans). The loan interest can be calculated in detail by the loan interest calculator.

In civil law, interest is the principal

Although the central bank has introduced the benchmark interest rate, the interest rates of various banks will fluctuate, which is different from bank to bank. Therefore, in order to get the lowest bank loan interest rate, you must get the bank with the lowest interest rate.