As long as you meet the requirements for mortgage application, you can submit a mortgage application, and the loan period is subject to your age. Generally between the ages of 24 and 60, as long as it can be paid off before the age of 60, there is no need to consider the age factor. The older you get, the shorter the loan period. When you apply for a mortgage when you are young, you can apply for a loan for up to 30 years, which will greatly reduce the monthly pressure.

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Is personal housing loan a personal consumption loan?

Yes, personal consumption loans include personal housing loans. Personal consumption loans refer to personal loans issued by banks to borrowers who apply for purchasing "consumer goods or services for reasonable purposes". They are RMB loans issued by banks to individual customers with designated consumption purposes, which are mainly used for personal housing, automobiles, general student loans and other consumer personal loans.

Housing itself is a mass consumer product, and buying a house also belongs to the above purposes, so it belongs to personal consumption loans.