Legal analysis: Yes, the mortgage loan requires the house to be within 20 years. Must have strong liquidity. The amount of mortgage loan is 80% of the appraised value of the house. The longest loan period for new house loans is not more than 30 years, and that for second-hand houses is not more than 20 years.

Legal basis: Article 11 of the Interim Measures for the Administration of Personal Loans shall meet the following conditions: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal; (3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.