1. Compared with the past, the mortgage policy has been relaxed. In the past 20 years, the age limit for housing loans in China was 60, but now it can be relaxed to 95.

2. The actual age is subject to the applicant who has not returned at the age of 95. At the same time, defining the mortgage ceiling by the actual age is more in line with the national consideration of the actual repayment ability of the applicant.

3. This not only provides opportunities for the post-90s generation to buy houses, but also stimulates more buyers to buy houses. Allowing buyers over 95 to apply for loans can help many buyers get financial support, thus stimulating the number of buyers.