At present, when most banks handle the second-hand housing loan business, they stipulate that the loan period of second-hand housing is calculated according to the age of second-hand housing ≤30 years. Your house age is 10 year, and the longest loan period for second-hand houses is 20 years (30- 10).

The longest loan can be 30 years, but it is not easy. The provident fund loan can be 30 years. But the premise is that the age must meet the needs of men, and the maximum loan age is 65, and the female is 64.