First of all, it depends on who is the principal name of your father-son portfolio loan. If you borrow in your name, take the Agricultural Bank of China as an example: for example, if you are 30 years old, you can borrow for 30 years at the longest, that is, your age+your loan period does not exceed 60 years. According to bank regulations, each bank has different requirements for the maximum age. Then your father can borrow money from you, that is, if your income is not enough to repay, increase the co-payer, that is, your father.