According to the current situation, if there is an age limit when lending, the borrower is generally required to be between 18-55 years old. However, although the bank stipulates that the age is within this range, most people who have just turned 18 still cannot get loans. The main reason is that its repayment ability is not stable enough. If the borrower has enough information to prove that he is 18 years old and has repayment ability, he can still apply for a loan.

In addition, some banks have narrower age restrictions. For example, some bank loans require borrowers to be 25 years old, and no loans will be issued under the age of 25. Different banks and different loan products have different age requirements for borrowers. Specific to the actual provisions of the bank shall prevail.

The loan also requires the lender to be a China citizen with full capacity for civil conduct and an overseas or foreign citizen with the right of abode in Chinese mainland; Have a stable economic income and the ability to repay the principal and interest of loans.