1, most bank loans will have certain restrictions on the age of the house, generally limited to 20 years. Therefore, a 20-year-old house can be loaned, but it is not necessarily over 20 years. However, some banks will relax the age limit, as long as the age+loan period is less than 30 years, they can lend.

2. Ordinary houses have only 70 years of property rights, and houses with 20 years of age are older. Under normal circumstances, the older the house, the higher the difficulty coefficient of handling bank housing loans.

3. The term of the commercial loan for buying a second-hand house will be affected by two factors, namely the age of the house and the age of the lender, which will not exceed 30 years.

Calculated from the age of the house, the loan period for commercial housing is 30 years-the age of the house, so the long-term loan time for a 20-year-old house is only 10 year. Moreover, the loan amount can only reach about 50% of the housing appraisal price.

4 the use of provident fund loans, the loan period is generally not more than 20 years.

Calculated from the age of the house, the sum of the number of years of provident fund loans and the age of the building cannot exceed 40 years, so you can apply for provident fund loans for 20 years of age, but the loans will be shorter and the loan amount can be relatively lower.