Personal housing loan of China Merchants Bank, first floor: the longest loan/credit period shall not exceed 30 years. Your loan period is determined by the handling bank after submitting relevant information. Please contact the personal loan department of the local China Merchants Bank for consultation. Second-hand building: the longest loan/credit period is not more than 30 years, the age of the purchased property (referring to the completion period 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.