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The family needs a loan to buy a house. My mother is 47 years old. How many years can I borrow?
The loan term should be the minimum of the results of several formulas:

1, loan term+lender's age (one year old) < =65 years old

2. House age+loan term

3. The longest term of mortgage loan is 30 years; The longest loan period of the provident fund is 20 years; (second-hand house)

The longest term of mortgage loan is 30 years; The longest loan period of provident fund is 30 years (commercial house)

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