Real estate mortgage loan is a way to apply for loans from banks or other financial institutions with real estate under the name of individuals or enterprises as collateral. This kind of loan is usually used to meet the working capital needs of individuals or enterprises. Here are some key points about the duration of mortgage loans:

Loan Term: Although the standard mortgage loan term is generally 1-3 years, at present, in Beijing, the longest loan term of mortgage loan can reach 20 years, and the longest loan term itself is 10 years.

Age limit: The mortgagor's age range is usually 18 to 75 years old, while the borrower's age range is 22 to 70 years old. For over-age borrowers over 60 years old, some banks may need their children to borrow together or take other forms of mortgage.

Credit information requirements: the requirements for credit information of real estate mortgage loans are relatively loose, as long as they are not in bad credit status, they can generally apply for loans.

Marital status: singles can apply separately, married couples need to borrow money together, and divorced people need to define the division of property rights. If the spouse is a foreigner or a person from Hong Kong, Macao and Taiwan, some banks can also handle it.

Personal flow: Different banks have different requirements for personal flow. Some banks need to cover a certain multiple of liabilities, while others do not require forced flow.