1. Similar to the essence behind relaxing the age limit for mortgage loans, most of them are "relay loans", that is, if the children do not meet the conditions of restricting purchases and loans, but there may be no real estate or loans in their parents' names, parents, as applicants, also hold several jobs, and package mortgage loans to help their children (or their children and their spouses) buy houses as loans in co-borrower.

To put it simply, if the buyer is over 50 years old, he can apply for a mortgage loan for up to 30 years as long as he meets the loan conditions. Even a 70-year-old can apply for a 30-year mortgage. Therefore,' lender's age+the longest loan period is 95 years old' is always operable. The truth behind the loan age over 70 is actually relay loan.

3. Not everyone is suitable for the policy that mortgage loans can reach 70 years old, 80 years old or even higher, and they may not be approved by banks. Banks also need to check the income and flow of buyers when approving such loans, some of which need the guarantee of family members.