Yes, the minimum required age needs to reach 18. Take Beijing as an example: 1. Borrower's conditions: a natural person with Beijing property rights, stable income and full civil capacity (the borrower can be a foreign household registration); Borrower's age 18-65 years old (the mortgagor over 65 years old must entrust others as the borrower to apply for a loan). 2. Provide information: husband and wife's ID card, household registration book, marriage certificate and income certificate; Property certificate of mortgaged house (such as the original purchase contract provided by the cost property). The above are the relevant regulations on the age limit of commercial loans.