The maximum loan age is 65 for men and 60 for women. However, there is a special situation that can extend the loan age, that is, if the lender meets the prescribed conditions, the bank agrees to extend the loan age by five years in turn, that is, the loan age for men is raised to 70 years and that for women is raised to 65 years. Generally speaking, when the lender has reached the age of 18, it can already make loans in relevant institutions normally.

Basic conditions of loan

1. The loan handler must be a person with full capacity for civil conduct;

2. The loan manager needs to have a permanent residence in the town or a valid proof of residence;

3. The lender needs to have a long-term fixed job and income source, have good personal credit problems and the ability to repay the principal and interest of the loan;

4. Some banks will require the lender to have a credit card of the bank, or a person with a good credit record who has already handled loan business in the bank;

Some banks will require lenders to provide assets recognized by banks as collateral, or institutions or individuals with guarantee conditions as guarantors for repayment of principal and interest and joint liability.