The service life and loan life of a house cannot exceed 30 years, and a house with a house age of 30 years cannot be loaned. Banks have requirements for the collateral itself. Most banks don't accept mortgage loans for houses older than 20 years, and some banks can accept mortgage loans for houses older than 15. In addition, the area is too small for banks to accept mortgage loans. The mortgaged house needs more than 60 square meters. Loan is a kind of financial activity, involving funds provided by banks or other financial institutions to borrowers. The borrower needs to repay the loan principal and interest at the agreed time limit and interest rate.