1, age 18, civil capacity, fixed residence or legal identity certificate, and the age of bank loan borrowers is generally between 18-60;

2. Have stable legal income and repayment ability;

3. Other conditions required by the lending bank.

The above is about how to get a loan at the age of 17.

What should I pay attention to when lending?

1. Repayment according to income: Repayment arrangement mainly determines the loan term and down payment ratio. Most housing loans are paid in installments, that is, the principal and interest of the loan are repaid in equal amount every month. In the case of fixed house prices, different loan years and down payment interest rates will determine different monthly repayment levels. Usually, the longer the loan term or the higher the down payment ratio, the smaller the monthly repayment amount, and vice versa;

2. The loan method chosen: the interest rate of provident fund loans is lower than that of commercial loans in the same period, so as long as the conditions for using provident fund loans are met, try to apply for provident fund loans;

3. Pay attention to the risk of interest rate changes: the housing loan interest rate is a floating interest rate. As long as the central bank adjusts the interest rate, the interest rate repaid by the borrower will change accordingly, and the borrower in the mortgage will face greater interest rate risk;

4. Don't forget to find a bank if you have difficulty in repaying the loan: when your repayment ability drops and you have difficulty in repaying the loan, don't fight for it. Users can apply to the bank to extend the loan period. After investigation by the bank, it is true and the loan principal and interest are not in arrears, and the application for extending the loan term will be accepted.

What are the consequences of the loan

1, the borrower's credit is affected: because the bank pays more attention to the borrower's personal credit, if the loan is not repaid, the personal credit will be affected, which may affect the borrower's future loans;

2. Penalty interest will increase the repayment pressure of the borrower;

3. If the overdue time is about 1-2 months, the bank will not sue immediately. Generally speaking, it will call the borrower for repayment. If you don't call, the bank will have special collection personnel to communicate and discuss with the borrower;

4. It's no use contacting. If the borrower provides collateral as a mortgage loan, the collateral that cannot be repaid after repeated reminders will be used to repay the loan after bidding.

This article mainly talks about how to get a loan at the age of 17. The content is for reference only.