The loan life of the second-hand housing portfolio depends on the age of the second-hand house you bought. You can borrow for 30 years within 5 years, or you can choose 15-year provident fund and 30-year commercial loan; The longest five-year commercial loan is 25 years, and the longest provident fund is 15 years. The provident fund can't be loaned for 30 years, and it will go directly to 15. Commercial loans can be reduced according to the increase of housing age.