Lol, a retiree that is just 64 years old, is it closer to death?? With good and sound health i believe that such age is still premature to death. Death kills anyone irrespective of age, even the person at 99 can still live on for 20 years. Then the one still young will just succumb to premature death. They should borrow civil retirees that have what it takes to pay back loan to them.Banks are smart , they don't do things that will not benefit them, they study your income, they study your property, they look at what are the means you can use to payback your loan, if there are no means they will never loan you their money, they consider your, every one belief a retiree can't work or pay loan back, let me add it a retiree is even closer to death the type of loan that would be given to him will be considered as well. That's how it is in my local country.