At present, China Merchants Bank provides "first-hand property" and "second-hand property" housing loans. First-hand building: the longest loan/credit period shall not exceed 30 years; Second-hand buildings: the longest loan/credit period is not more than 30 years, the building age of the shopping industry (referring to the completion years of the property) is generally not more than 20 years, and the longest loan period+the building age of the mortgaged property is not more than 40 years in principle. The specific time limit for your application requires you to submit relevant information, which will be determined by the handling bank after comprehensive examination and approval.