If it is a personal housing loan of China Merchants Bank, the loan/credit period of "first-hand property" shall not exceed 30 years at the longest; The longest loan/credit period for a "second-hand building" is not more than 30 years, the age of the purchased property (referring to the completion year of the property) is generally not more than 20 years, and the longest loan period+the age of the mortgaged property is not more than 40 years in principle. The specific time limit you can apply for requires you to submit relevant information, which will be determined by the handling bank after comprehensive examination and approval.