If you apply for a personal loan at China Merchants Bank, at present China Merchants Bank stipulates that the lender must be at least 18 years old, and the age+loan period cannot exceed 70 years old. If minors need to apply for a loan, they can try to make their parents (or one of them) as joint loan applicants; Whether it can be handled specifically, I suggest you contact the personal loan department of the local China Merchants Bank outlet for details.