Generally speaking, different banks have different specific regulations, but nothing more than the following:

1. The sum of the age of the second-hand house and the loan period cannot exceed 30 years. Some banks stipulate that it should not exceed 40 years, while others stipulate that it should not exceed 50 years.

2. The maturity date of the loan cannot exceed the land use period;

3. The sum of the loan term and the borrower's age shall not exceed 65 years old.

The younger the borrower is, the longer the loan period he can apply for; For the age of second-hand housing, the bank will comprehensively calculate the loan period according to the remaining ownership time of the house. Banks generally stipulate that the age of second-hand houses should not exceed 20 or 25 years, some banks stipulate that it should not exceed 15 years, and more stringent requirements should not exceed 10 years. So if the house is too old, it may not be able to borrow the longest life. In addition, the service life of the land is also an important factor affecting the loan life. The service life of the house is calculated from the time when the developer takes the land. The normal service life of land should be 70 years, but the average second-hand house certainly can't reach this life. The short service life of land will also affect the service life of mortgage.