National and regional policies: Different countries and regions may have different laws and policies, including the maximum term of loans. Some countries may allow longer loan terms, while others may have strict restrictions.

Lending institution policy: Lending institutions can set the longest loan term according to market conditions, risk assessment and their own policies. Large banks, credit cooperatives and non-bank financial institutions may have different loan term restrictions.

Loan type: Different types of loan products may have different maximum term. For example, personal consumption loans, real estate loans and commercial loans may have different maturities.

Personal information: your personal information, including income, credit history, repayment ability, etc. , which may affect whether lending institutions are willing to grant loans with longer term.

Generally speaking, the common loan terms of real estate loans (such as housing mortgage loans) are 15, 20, 25 and 30 years. Other types of loans may have shorter or longer maturities, depending on your needs and the policies of lending institutions.