What are the provisions on the loan life and housing age of second-hand houses in Guangzhou? Are the conditions of commercial loans and provident fund loans the same?

Second-hand housing has requirements for the age of the house. The calculation of the loan life of provident fund must follow three dimensions:

1. The loan term shall not exceed 30 years.

2. The age of the lender plus the loan period shall not exceed 70 years.

3. Loan period plus house age: 47 years for brick-concrete structure and 57 years for steel-concrete structure. Therefore, it is necessary to buy a second-hand house with a provident fund loan.

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