When handling loans, whether provident fund loans or commercial mortgage loans, banks will require borrowers to meet certain conditions.
Personal loan requirements: A person with full capacity for civil conduct who has reached 65,438+08 years old shall not exceed 65 years old for men and 60 years old for women before the repayment period.
Banks require borrowers' age to consider their loan risks. If the borrower is too old, the loan risk will increase; If you are too young and have no financial resources, banks will also consider their repayment ability.
According to the actual situation, customers need to provide specific proof of the use of funds. Generally, the loan handling bank will first review the customer's loan purpose (different loan products correspond to different purposes), and the loan purpose can meet the requirements before applying. At the same time, it will comprehensively evaluate factors such as collateral, personal credit and repayment. The loan interest rate, amount, term and other factors need to be priced in combination with the comprehensive factors such as the business type, credit status and guarantee method you apply for, and can only be determined after approval by the loan bank.