In many loan processes, real estate mortgage loan is a popular loan method, and the long credit cycle is an advantage of real estate mortgage loan. So how long can the mortgage loan of second-hand houses last? If it is a new house mortgage, the longest loan period cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure. How many years a mortgage loan can be borrowed is directly related to the house used for mortgage loan, and the years of mortgage loan and commercial mortgage loan are different. If the house is mortgaged, the longest credit period is 30 years, and the following conditions must be met: first, the borrower's age+credit period ≤60, which meets the "double-excellent" individual customer standard stipulated in the Relevant Provisions on Simple Credit Rating of High-quality Individual Customers in Advantageous Industry Units issued by the bank, and the borrower's age+credit period ≤ 70; 2. Service life of the house+credit period ≤40. On this basis, combined with the liquidity of the collateral and the repayment ability of the borrower, the credit term is comprehensively determined. If the commercial house is used as collateral, the longest credit period is 5 years, and the service life of the commercial house+credit period ≤30 years must be met.