In order to control risks, banks have strict requirements on the duration of housing loans. The age of second-hand houses should be controlled within 20-25 years, and loans cannot be made after 25 years. Even if loans can be provided for older houses, banks will reduce the loan base of lenders. Of course, if the housing lot is good and the liquidity is strong, some banks will also relax the age of the house to 20-30 years, so the specific situation depends on the actual situation of the second-hand house.