Is there a statute of limitations for property mortgage? What is the term of a real estate mortgage? Buying a house with a loan has become a trend, and real estate mortgage loans are also relatively common in life. So, are real estate mortgage loans timely? How long can a property mortgage loan be borrowed? If the real estate mortgage loan is a new house mortgage, the maximum loan term cannot exceed 30 years; if it is a second-hand house mortgage, the maximum loan term cannot exceed 20 years. When calculating the loan term, borrowers should determine the repayment term based on their repayment ability to avoid repayment pressure. After understanding the mortgage loan term, borrowers want to know more about how much they can borrow with a mortgage loan. The amount of a property mortgage loan depends on the appraisal of the home's value, which is lower than the market price of the home. Generally speaking, the assessed value of a house is affected by related factors such as the age of the house, market value of the house, location, property type, and liquidity. The mortgage loan ratio is no more than 70% of the appraised value of the house. However, depending on the type of property, the maximum loan-to-value ratio also has an impact. For example, personal commercial residential mortgage loans have the highest ratio, which is 70%. The maximum mortgage loan ratio for office buildings and shops is only 60%; the maximum mortgage loan ratio for factories is only 50%. At the same time, the following types of houses cannot (or are difficult to) mortgage: houses with an area of ??less than 30 square meters and an age of more than 20 years; affordable houses that have been used for less than five years; houses with small property rights, which are recognized by the housing management; Some have purchased public housing, etc.