1. Consumer loans and commercial loans of China Merchants Bank. China Merchants Bank provides consumer loans, micro loans, auto loans, mortgages, lightning and other credit loan products for users. Consumer loan means that the borrower can borrow money to pay the living expenses. At the same time, when applying, they need the borrower to have legal and effective identification and the ability to repay the loan principal and interest on time. Apply to try to apply for credit, and you will get the loan amount through systematic qualification evaluation.
2. installment music: installment music loan products, the platform must be at least 18 years old and have the ability to perform civil rights and civil acts. Men over 60 can apply for bank loans, while women can hardly apply for loans. Commercial loans generally require that the sum of the age of male lenders and the loan period should not exceed 65 years old, and that of female lenders should not exceed 60 years old. The sum of the age and loan term of male provident fund lenders shall not exceed 60, and the sum of the age and loan term of female lenders shall not exceed 55. So men over 60 but under 65 can apply for some bank loan products.
First, the bank loan application process:
1. Basic information of the borrower and guarantor;
2. The financial report of the previous year approved by the financial department or accounting (auditing) firm, and the financial report of the previous period for applying for loans;
3, the original unreasonable occupation of loans to correct the situation;
4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant proof that the guarantor agrees to guarantee intention;
5. Project proposal and feasibility report;
6. Other relevant information deemed necessary by the Bank;
Second, what should I do if the loan cannot be changed?
Users who can't afford the loan at the age of 60 can choose to negotiate repayment with the lending institution. If the lending institution agrees to negotiate repayment, it can make repayment according to the repayment amount and repayment period after negotiation. If the lending institution does not agree to negotiate repayment, it must make repayment in accordance with the loan contract. At this time, it can try to borrow money from relatives and friends around to repay the loan.
To sum up, most applicants over the age of 60 have retired. Even if some bank loan products are allowed to apply, financial institutions should make a comprehensive evaluation based on the applicant's work income, personal credit information and actual age. In order to avoid risks, lenders over the age of 60 are usually rejected.
Can I get a loan over 60? People over 60 can't apply for a loan. Because at the age of 60, he is already a retiree in China. It is absolutely impossible to repay the mortgage with the retirement fund of retirees. And life is not allowed.
Personal property mortgage loan application materials: identity certificate, household registration book, marriage certificate, income certificate, property certificate, mortgage property evaluation report, loan use certificate and other materials specified by the bank.
Personal property mortgage loan application conditions are as follows:
1. A natural person who has reached the age of 18 and is under the age of 60 and has full capacity for civil conduct;
2. Information about stable occupation and income, good credit and repayment ability.
When we apply for micro-credit loans, we always encounter age problems. 20 to 60 years old is the age requirement for most loan products, and it is enough for some loan products to extend the applicant's age to 18 to 65 years old. Different banks have different regulations on the age of applicants.
If it is a commercial loan, the sum of the age of the male borrower and the loan term shall not exceed 65 years, and the sum of the age of the female borrower and the loan term shall not exceed 60 years;
Provident fund loan means that the sum of the age of male borrowers and the loan term does not exceed 60 years, and the sum of the age of female borrowers and the loan term does not exceed 55 years.
To apply for a loan, the lending institution shall make a comprehensive evaluation based on the applicant's work income, personal credit information and actual age.