Description:

1. 18 years old is the standard of legal adulthood, which means that individuals have legal capacity and rights.

2. Lending is a kind of contract behavior, which requires both borrowers and borrowers to reach an agreement and abide by the terms of the contract. Adults have the ability to sign contracts and be responsible for their actions.

3. The borrower needs to meet the requirements of banks or financial institutions, such as credit rating and repayment ability, in order to obtain loan approval.

Summary:

At least 18 years old is the minimum age limit for loans, and minors cannot obtain loans independently. However, whether the loan is approved depends on the borrower's credit rating and repayment ability.

Extended data:

Loans usually need to meet some other conditions, such as a stable source of income and a good credit record. In addition, different types of loans (such as personal loans, housing loans, car loans, etc. ) There may be specific requirements and restrictions. It is recommended to consult professionals or relevant financial institutions and obtain accurate information before applying for a loan.