Can the mortgagor of postal savings loan not be over 60 years old in Bijie area?

Hello, at present, the loan requires the borrower's age to be 18-60 years old. It is unacceptable to be over 60 years old, because the bank will consider the borrower's repayment source, and generally the income over 60 years old is not much. If it is a mortgage loan, the owner (over the loan age) can be used as the mortgagor, and the children can be used as the borrower, so that a three-way loan can be made.