It depends on your age and your actual age. If the house is smaller than yourself, you can borrow it for 30 years.

Second, how many years can I buy a house with a loan?

Wuhan China Merchants Bank can apply for provident fund loans, and the term of provident fund loans shall meet the following conditions:

1. Calculate the remaining service life by half from the base date of house appraisal;

2. First-hand houses are up to 30 years, and second-hand houses are up to 20 years;

3. The sum of the loan term and the actual age of the borrower shall not exceed the statutory retirement age of the borrower plus 5 years, that is, the male employees shall not exceed 65 years of age and the female employees shall not exceed 60 years of age;

4. If the loan term exceeds any term specified in this article, the shortest term shall prevail.

3. How many years can I borrow a house at most?

I don't want to pay attention to it According to the bank loan regulations, the longest loanable period of mortgage is 30 years. Generally, banks will subtract your actual age according to your age (male 65, female 60) after five years of statutory retirement, and the remaining figure is the maximum number of years you can borrow money. In other words, the longest mortgage loan can reach 65 years old, of course, the specific situation should be subject to the provisions of the loan application bank. For example, the sum of ICBC's housing loan period and the borrower's age cannot exceed 65 years, and the shortest mortgage is 1 year and the longest is 30 years; The borrower's age and loan time of China Everbright Bank cannot exceed 65 years, and the longest term of mortgage is 30 years. Housing loan is any form of housing loan support provided by banks and other financial institutions to buyers, usually with the purchased house as collateral. According to the source of loan funds, it is divided into provident fund loans and commercial loans. According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method. The housing loan interest rate is based on the benchmark interest rate of banks in the same period, and the loan interest rates of different banks have slightly increased. Application conditions for housing loan (provident fund loan) Application conditions: (1) Hold valid identification; (2) Only employees who participate in the housing provident fund system are eligible to apply for housing provident fund loans, and employees who do not participate in the housing provident fund system cannot apply for housing provident fund loans. (3) Persons who participate in the housing provident fund system must also meet the following conditions when applying for housing provident fund personal housing loans: that is, the housing provident fund has been continuously paid for at least 6 months before applying for loans. Because, if the employee's behavior of paying housing provident fund is abnormal and intermittent, it means that his income is unstable and he is prone to risks after issuing housing loans. (4) One of the husband and wife has applied for housing provident fund loans, and neither husband nor wife can obtain housing provident fund loans again before paying off the principal and interest of the loans. Because the housing provident fund loan is a kind of "housing security" financial support to meet the basic housing needs of workers' families. (5) When applying for a housing provident fund loan, the loan applicant must have a relatively stable economic income and the ability to repay the loan, and there are no other outstanding debts that may affect the repayment ability of the housing provident fund loan. When employees have other debts, it is risky to lend to housing provident fund, which violates the principle of safe operation of housing provident fund. That is, when applying for housing provident fund loans, applicants are generally required to have no large loans, such as outstanding housing commercial loans and auto loans.