Hello, the loan period of second-hand housing is related to the age of the building. Guangzhou Provident Fund Center stipulates that the term of second-hand housing loans shall not exceed 20 years, and the sum of the loan term and the building age shall not exceed 40 years. The sum of the borrower's age and loan term shall not exceed 5 years after retirement age. The retirement age is generally calculated as 60 for men and 55 for women. Commercial loans generally stipulate that the sum of the age of second-hand houses and the loan period cannot exceed 50 years, which is subject to the regulations of various banks.