In China Merchants Bank, commercial houses and commercial houses with clear property rights and strong liquidity are accepted as collateral, and commercial houses are mortgaged. The age of the houses is generally not more than 20 years, and the loan/credit period+house age is not more than 40 years in principle; If the collateral is a commercial house, the house age is generally not more than 20 years, and the loan/credit term+house age is not more than 30 years in principle. Whether your house meets the requirements needs to be confirmed with the handling bank when you apply for a loan.