Most banks generally stipulate that the borrower's age plus the loan period cannot exceed 65 years old. According to this regulation, if the woman applies for a loan to buy a house at the age of 46, the longest loan period is 19 years. However, some banks stipulate that women's loan age+loan period should not exceed 59 years, so if so, 46-year-old women can borrow 13 years at most.

Housing loan application conditions

1,/kloc-a natural person over 0/8 years old but under 65 years old, with legal and valid identity certificate, residence certificate and income certificate, no bad credit record and full capacity for civil conduct;

2. Open a personal settlement account in the handling bank, and handle the settlement business such as loan issuance and repayment through the natural life family financial card;

3. There is a house purchase contract or agreement, and the borrower pays the down payment that meets the requirements;

4. The borrower's occupation and economic income are stable, and he has the ability to repay the loan principal and interest;

5. There is a valid guarantee recognized by the handling bank;

6. Other conditions stipulated by the handling bank.