According to the regulations, the loan term+the current age of the lender shall not exceed the bank loan age limit. Most banks stipulate that the borrower's age plus the loan period should not exceed 70 years. In this way, if you want to apply for a 30-year mortgage, the borrower should not be over 40 years old, because if you are over 40 years old, plus 30 years, it will exceed the 70 years stipulated by the bank. Of course, some banks stipulate that the borrower's age plus the loan period cannot exceed 65 years, so that the borrower can't be over 35 years old if he wants to borrow for 30 years.

Other banks have relaxed the loan period, and the borrower's age plus the loan period should not exceed 75 years.