It is ok to buy a house mortgage loan, and most of the years of mortgage loan can be applied for 1-30 years. It depends on individual purchase.

1. Different mortgage loan years can be selected according to individual repayment ability;

2. The term of first-hand housing mortgage loan is generally longer than that of second-hand housing mortgage loan;

3. The mortgage loan period that the elderly can apply for is relatively short, depending on the bank's policy;

4. The local mortgage policy will also affect the amount and duration of mortgage.