Most banks require the age of mortgaged houses to be 15 years, and the longest period for houses over 15 years can be extended to 20-25 years, unless the location is particularly good.

I suggest you consult the personal loan department of the local bank to explain the detailed location (surrounding environment), structure and internal installation of the house.

Second, can rural commercial banks apply for real estate mortgage?

It is not difficult for rural commercial banks to apply for loans with real estate mortgage. Rural commercial banks are joint-stock local financial institutions composed of farmers, rural industrial and commercial households, enterprise legal persons and other economic organizations.

The proportion of qualified shares in rural credit cooperatives in China has dropped below 30%. About 303 rural commercial banks and 2 rural cooperative banks have been established, and the total assets of rural banks account for 4 1.4% of the rural cooperative financial institutions in China. In addition, 1424 rural credit cooperatives have met or basically met the conditions for establishing rural commercial banks. Through the reform, the governance model of rural credit cooperatives has undergone fundamental changes, the long-standing problem of insider control has been effectively solved, and the institutions themselves have formed an endogenous driving force to further promote the reform of deep-seated institutional mechanisms.

Third, can commercial housing be mortgaged?

Commercial housing can be mortgaged, which is suitable for the applicant's capital demand during the operation of commercial housing, but the purpose of the loan shall not violate the relevant provisions of the state. Loans with the operating income of commercial housing and other legitimate income of the borrower as the source of debt service.