First of all, it depends on the year your house was built. The regulations vary in different regions. Some houses will not be granted loans if they are over 15 years old, let alone mortgage loans. If the construction age allows , you also need to look at the appraised value of the house. Generally, the maximum loan you can get for a building is 70%-80% of the appraised value of the house. The loan period ranges from 5 years, 8 years, 10-20 years. Finally, you also need to check whether you You have the ability to repay, which means you have valid proof of your economic income. If you have all these, you can get a loan. You need to consult the local bank for detailed procedures, because different regions have different requirements. In addition, if it is a residential mortgage, the interest rate will be lower, while the commercial housing loan interest rate will be relatively higher.