When applying for a bank loan, the bank will impose age restrictions on the borrower, which are stipulated by each bank. For example, the Agricultural Bank of China stipulates that the age of the borrower plus the loan period cannot exceed 70 years old; the Bank of China stipulates that the age of the male borrower plus the mortgage period cannot exceed 65 years old, and the female borrower cannot exceed 60 years old; both the Industrial and Construction Banks stipulate that the borrower The age plus loan term must not exceed 65 years old.

Under normal circumstances, if we assume that a woman is 60 years old, a 38-year-old woman can get a loan for 60-38=22 years. If the borrower's personal qualifications are very good, such as having large certificates of deposit, commercial real estate and other personal assets, it will be easier to get a loan.