Pension is a part of the service remuneration paid to employees of enterprises and institutions in one lump sum or in installments after retirement. 1. Can I borrow a pension? According to the regulations of the bank, the age of the borrower is generally between 18 (inclusive) and 65 (inclusive), that is to say, you can't apply for a loan if you are over 65. In the bank's view, the retirement pension of retirees can only be regarded as the basic guarantee of life, not as the embodiment of repayment ability. However, if retirees start their own businesses after retirement and become business owners of the company, then banks will dispel their concerns about repayment ability and reconsider loan approval. There are also loan products from financial institutions, which require retirees to get 8- 15 times salary with their retirement certificates, payslips, utilities and ID cards as long as their bank credit information is good and they are under 60 years old. The reason for the large fluctuation is that the nature of retirees' original work unit, bank credit status, financial certificate and sideline business are all important indicators to evaluate the loan amount. In fact, retirees can also ask their children to help them borrow money from the bank in their own name, that is, "changing borrowers." However, this method must also require children to have good personal credit and a stable job. Second, what is a pension? Pension refers to people who retire due to age or other factors. A large one-time reward that the company or employer must give. Retirement in different places and occupations has different designated ages or length of service. Employees over this age are considered unfit to continue working and can choose whether to continue working. At this time, the employer must take out a large sum of money as a reward for the hard life of the workers, as a source of living expenses and medical expenses for the elderly after not working. The above is whether the pension can be loaned. Under normal circumstances, pension loans are difficult, but there is a certain guarantee basis, as long as the bank guarantees that you have the ability to repay.

Legal objectivity:

Interpretation of the Supreme People's Court on Several Issues Concerning the Applicable Law in the Trial of Disputes over Commercial Housing Sales Contracts Article 19 The commercial housing sales contract stipulates that if the buyer fails to conclude a secured loan commercial housing sales contract, the other party may request to terminate the contract and compensate for the losses. If the commercial housing secured loan contract cannot be concluded due to reasons not attributable to both parties, and the commercial housing sales contract cannot be continued, the parties may request to terminate the contract, and the seller shall return the principal of the purchase price and its interest or deposit to the buyer.