According to the relevant regulations of China Bank (Australian Branch), you can apply for a loan of up to 30 years. According to the loan regulations of China Bank (Australian Branch), the loan term is less than 30 years. According to the relevant regulations of Bank of China (Australian Branch), the lender should be at least 20 years old when borrowing, have a stable job and income, and the final repayment age should not exceed 65 years old. For example, Ms. Fang, a 50-year-old customer, wants to apply for a 20-year loan from China Bank (Australian Branch). Then according to the relevant regulations, Ms. Fang can't apply successfully, because she can only apply for a loan of 15 at most. According to bank regulations and your age, you can apply for a loan of up to 30 years from China Bank (Australian Branch). Source: Bank of China (Australian Branch)