The loan term is 30 years. According to the inquiry of Cai Chen Investment, the term of first-hand housing loan is 30 years, and the term of second-hand housing loan is 20 years. At the same time, the loan period plus the applicant's age, men do not exceed 65 years of age, women do not exceed 60 years of age. The loan term of mortgage is related to many factors, such as the economic strength of the buyers and the interest rate of bank loans, and is usually within the range of 10-30 years.