25-year-old second-hand houses can still be loaned, but the loan time will be greatly shortened. At present, the loan period granted by the bank is mainly judged by the sum of the house age and the loan period. Most banks stipulate that the age of the house plus the loan period should be less than 45 years. Although the housing age of 25 years is relatively long, loans within 20 years are acceptable. However, if some banks have strict requirements, the loan period may be greatly shortened to 10 years. Generally speaking, the older the house, the smaller the success rate of the loan, and the lower the price that can be evaluated when evaluating the house. Houses with an age below 15 can apply for loans of about 70% of the appraised price, and houses with an age of 20-25 can apply for loans of about 50% of the house price. In addition to the age of the house, whether there are parking spaces, greening and the apartment type of the house are also within the scope of assessment. Therefore, when a buyer wants to buy a second-hand house, the age of the house, the age of the lender and the age limit of the bank are all important influencing factors.