"Of legal age"

Is the wording “of legal age” necessary when it’s already indicated that the owner is married–and no one below 18 can be married? Apparently, some banks think it’s still required...

Background:

For a title transfer we're doing, the Registry of Deeds (RD) issued a new title in the buyers' names (Spouses XXXXX). The person in charge of the transfer noticed that the title didn't have "of legal age" written after the Spouses' names, so he asked the RD officer about it.

The RD Officer said, omitting those words is the RD's new format; anyway, the title already indicates "Spouses," which meant the new owners were married to each other and that someone has to be of legal age to be married here in the PH.

When the same Title was used to claim the Seller's loan proceeds, the lending bank did not accept the Title since it did not have the words "of legal age."

So who's right?

To hurdle the problem, they had to go back to the RD and had an affidavit annotated on the title stating the new owners were "of legal age." 😵‍💫