As for the extension of the mortgage age period, this policy benefits the middle-aged and middle-aged home buying groups and releases part of the demand for home buying. Parents can also have the opportunity to buy a house with their children and bear the pressure of loan repayment, which also indirectly alleviates the pressure of home ownership for some young people. 1. As for the reasons why banks have extended the mortgage repayment age, some insiders said that the demand in the real estate market is gradually changing in the context of an aging population. Currently, people in their forties and fifties have relatively stable jobs and good loan repayment abilities. Coupled with the delayed retirement policy that will be launched in the future, the repayment ability is relatively more secure. 2. At the same time, relaxing the "age + loan period" policy for lenders will help better stimulate demand in the real estate market under the current downturn in the property market. On the one hand, this policy can meet the housing purchase and retirement needs of some middle-aged and elderly people to a certain extent and help them improve their living conditions for senior care. On the other hand, this policy will also help improve the ability of middle-aged and elderly people to purchase properties for their children through "relay loans" and other forms, and reduce the difficulty for young people to purchase properties. 3. The age of the borrower and the extension of the loan period mean that people before the age of 50 can borrow for a full 30 years. This group of people have very good loan advantages. They can delay retirement in the future and their income is guaranteed. If the policy is true, it will also take care of the housing purchase and retirement needs of some elderly or middle-aged people to a certain extent. 4. The emergence of this policy is mainly due to the following two points: 1. The aging of the population has intensified, the average life span of people has been extended, and the demand for improvement has been accelerated in recent years, and middle-aged and elderly people are also the main force; 2. The policy of deferred retirement has been repeated It was mentioned that older groups have stable jobs and income security, and have stable repayment capabilities, and banks are willing to lend. 5. Property market relaxation policy. At present, in order to encourage residents' willingness to buy houses and stimulate housing consumption demand, housing mortgage loan policies have been relaxed in all aspects, with frequent benefits. The extension of the loan age in some cities such as Nanning and Chengdu is precisely to stimulate people's enthusiasm to increase leverage. It is expected that there will be more loosening policies in the property market in the future. Summary: However, it should be noted that the starting point of the relaxation of policies in various places is to activate reasonable housing consumption demand and to reduce the cost of home purchasers. The red line of housing for living and not for speculation will not change.