In general, if you want to apply for a personal housing loan, you need to be between the ages of 22 and 55. /kloc-Internet users under the age of 0/8 are not allowed to make regular loans. Of course, there are some loan products. Property buyers who want to apply for housing loans need to meet the relevant conditions provided by banks before they can get loans. So,/kloc-can I get a loan under 0/8 years old?
In general, if you want to apply for a personal housing loan, you need to be between the ages of 22 and 55. /kloc-Internet users under the age of 0/8 are not allowed to make regular loans. Of course, there are some loan products. Property buyers who want to apply for housing loans need to meet the relevant conditions provided by banks before they can get loans. So,/kloc-can I get a loan under 0/8 years old? What conditions does the loan need to meet?
Can I get a loan under eighteen?
1, yes, but there will be few loan products to choose from. ? Most loan products require borrowers to be between the ages of 22 and 55.
2. Of course, it doesn't mean that people in this age group can definitely get loans, nor does it mean that people who are not in this age group can't get loans. Lending to you by a lending institution is risky, so you should consider many aspects, such as your repayment ability, willingness to repay, credit history and so on.
What conditions does the loan need to meet?
Personal loans are roughly divided into personal real estate loans, personal automobile consumption loans, personal bulk consumer goods loans and personal micro-credit loans, and the requirements for different bank loans are also different. Generally speaking, personal loans need to meet the following basic conditions:
1, at least 18 years old, with full capacity for civil conduct and valid residence permit and identity certificate;
2. Have a stable legal income and proof, and have the ability to repay interest;
3. When the loan business needs a down payment, it has the ability to pay the full down payment;
4. If the personal loan amount is large, the collateral conditions required by the bank shall be met;
5, such as credit loans, need to have a good reputation;
6. Other conditions meeting the requirements of the bank.
The above is an introduction about whether 18 years old can get a loan and what conditions the loan needs to meet. Through the introduction of the above contents, everyone has a deep understanding of the age of personal loans. When making personal loans, netizens should not only meet the relevant conditions, but also know what requirements and conditions major banks have for lenders. Under normal circumstances, netizens who meet the loan age can complete the loan as long as they meet the loan conditions of the bank.
Can minors get loans?
Minors are not allowed to borrow money.
Legal basis for not lending:
According to China's laws and regulations, to apply for a loan, you must be at least 18 years old, and minors under 18 years old cannot borrow. General banks and formal financial institutions strictly implement this provision. The object of bank loans is a natural person with full civil capacity, so minor children can't make bank loans when buying a house. If the financial strength is not very strong, don't easily choose to lend money to underage children to buy a house, because in this case, parents and children will take underage children as buyers to bear joint and several repayment responsibilities.
Minors should be wary of irregular loans;
Some informal lending platforms will also lend to minors. The characteristics of informal online lending are: there is no formal lending software; Operating without a license; There is no loan website with the source indicated by the state organ for the record; Do not check the credit, as long as the ID card, the approval process is relatively simple; There is no open and transparent data on the platform; Interest is three to four times higher than other online loans; Pre-loan charges and so on.
Definition of a minor:
Minors are teenagers. Teenagers are a transitional period from childhood to adulthood. The basic characteristics of adolescent psychological development are contradiction and turbulence. Physiologically, sexual maturity is the most basic feature of adolescent physiological development. Therefore, forming self and developing independence are the basic tasks of adolescence.
No 18 can I get a loan?
/kloc-you can't borrow it under 0/8 years old. The basic condition of bank loan is that you need 18 years old. Now all kinds of online loans are not allowed to provide loan services to students. In China 18 years old is defined as a minor. Minors do not have full capacity for civil conduct and cannot apply for various loans. Of course, under special circumstances, 18 years old can also get loans.
Under the age of 18, those who can provide the guardian's ID card and agree to apply for a loan can apply for a student loan. Student loan is a special kind of loan, so even if the applicant is under the age of 18, he can still apply with the consent of his guardian.
Loans refer to the monetary funds provided by state commercial banks and other financial institutions to borrowers to repay the principal and interest at the agreed interest rate and time limit. Loans can be divided into short-term, medium-term and long-term loans, credit and secured loans according to whether there is guarantee or not, rural industrial and commercial loans and consumer loans according to loan objects and purposes, and personal housing commercial loans, personal housing provident fund loans and personal housing portfolio loans according to individual loan types. In accounting treatment, the loan of an enterprise can be accounted for by "short-term loan" or "long-term loan" according to the length of the loan period, and then the loan interest can be accounted for by "interest payable".
Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.
As a leading consumer credit information service enterprise in China, Li Rong. Com is the only enterprise in China that has launched MBA student loan program. It provides a bridge loan for MBA freshmen, which can help students easily solve the tuition problem. MBA freshmen can apply for low-interest student loans ranging from10-200,000 yuan with the admission notice. If the monthly interest rate is even as low as 0.7%, it is lower than the bank credit card installment. After entering school with the student loan provided by Li Rong. Com, MBA students can apply to the school for a national student loan with a low interest rate, and then use the national low-interest loan to repay the tuition bridge funds in one lump sum. In this way, as long as the borrower indicates the interest after service when applying, he can apply for a student loan in this form before entering school. The best application period is six months. Generally, the national student loan applied for in September will not be approved until February of the following year. In this way, MBA freshmen don't have to worry about the high tuition fees at one time, and they can easily complete their studies through student loans.
Can minors get loans?
For the loan of China Merchants Bank, our bank stipulates that the lender must be at least 18 years old, and the age plus the loan period shall not exceed 70 years old, subject to the approval of outlets.
(reply time: July 2022 12. Please refer to the latest business changes announced by China Merchants Bank in official website. )
Tips: If you have any questions, you can call the official customer service hotline or contact China Merchants Bank APP for online customer service consultation.