Banks have relatively strict regulations on the loan period of second-hand housing, and the loan period of second-hand housing provident fund is even worse. The bank's regulations on the loan life of second-hand houses are as follows: first, the combined service life and loan life cannot exceed 30 years; Second, the age of the loan room should not be too old, otherwise the loan will not be processed; Third, the sum of the loan term and the actual age of the borrower shall not exceed 60 years old.