Age directly affects the loan period. The maximum loan period for purchasing ordinary housing is not more than 30 years, and the sum of the age of the loan applicant and the loan period is not more than 70 years. The older the lender is, the shorter the loan term is, and the more difficult the loan is. Banks will comprehensively consider the lender's age, income, working years, credit history, repayment ability and other factors when approving loans.