If your city has China Merchants Bank, you can try to apply for a mortgage through China Merchants Bank. For the purchase of first-hand real estate, the longest loan/credit period shall not exceed 30 years. If it is a second-hand house, the loan/credit period shall not exceed 30 years at the longest, and the loan period plus the age of the mortgaged property shall not exceed 40 years in principle.

You can dial 95555 at 8:30- 18:00, and select "2 manual service-"1"personal banking-"4 "personal loan business to enter the manual service to provide loan purpose and city details.