The lender must be at least 18 years old, and the age plus the loan period shall not exceed 70 years old.

Because the minimum age limit stipulated by general lending institutions is 18 years old, most of them are in high school and have no economic repayment ability. Therefore, regular lending institutions will not lend you money.

Extended data

Lender's requirements

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

2. Marriage certificate/divorce certificate or court judgment/single certificate 2 copies.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.

What is the minimum age of the lender?

Most banks stipulate that you can apply for bank loans as long as you are 18 years old. In addition, people over the age of 60 cannot apply for bank loans; However, some banks can relax to 65 years old.

How old can I get a loan?

Hello, coordinate Guiyang, Honeycomb Loan:

Generally speaking, you can borrow money when you are an adult, but many people 18 years old are still in college. For this reason, many lending institutions require borrowers to be at least 22 years old and not a student. The maximum age can not exceed 55 years old, and individuals can be relaxed to 60 years old.

Apply for a mortgage, but also according to the applicant's retirement age and mortgage period to calculate the eligible loan period.

For example, when a woman retires at the age of 55 and applies for a mortgage loan for 30 years, she can't get a loan over the age of 25; If you borrow it for 20 years, you can't borrow it over 35 years old.

Is there an age limit for loans? How old can I get a loan?

Yes

Personal loan conditions:

First, he has reached the age of 25 and has full capacity for civil conduct; And have permanent residence or valid residence certificate in China.

Second, having a fixed occupation or a stable economic income can guarantee the ability to repay the principal and interest on schedule.

Third, the credit record is good and there is no bad credit record.

Fourth, it can provide legal and effective guarantees recognized by banks.

Fifth, other conditions stipulated by the bank.

Generally meet the above conditions, you can apply for a loan from a commercial bank.

Extended data:

According to the Interim Measures for the Administration of Personal Loans:

Article 35

After the personal loan is issued, the lender shall take effective measures to track, check and monitor the use of loan funds, changes in the borrower's credit and guarantee, and ensure the safety of loan assets.

Article 36

Lenders should distinguish the types, objects and amounts of personal loans, and determine the corresponding loan inspection methods, contents and frequencies. The internal audit department of the lender shall conduct spot checks and evaluations on the work quality of the loan inspection department.

Article 37

The lender shall regularly track, analyze and evaluate the borrower's performance of the loan contract, and take it as the credit evaluation basis for subsequent cooperation with the borrower.

Article 38

The lender shall, in accordance with the provisions of laws and regulations and the provisions of the loan contract, investigate the liability for breach of contract for the borrower's failure to provide true and complete information as promised in the contract and to use and pay the loan as agreed in the contract.

Article 39

With the consent of the lender, the personal loan can be extended.

For personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; For personal loans of more than one year, the cumulative extension period and the original loan period shall not exceed the maximum loan period stipulated by the loan variety.

Article 40

The lender shall recover the loan principal and interest in accordance with the loan contract.

For loans that are not repaid according to the loan contract, the lender shall take measures to collect or restructure by agreement.