According to relevant regulations, the loan term of second-hand housing bank is as follows: 1. The sum of the service life of the second-hand house and the loan life cannot exceed 30 years. 2. The age of second-hand houses cannot exceed 15 years. 3. The nature of land is that the loan maturity date of the transferred land cannot exceed the maturity period of land use, and the allocated land depends on the situation. 4. The sum of the loan term and the borrower's age shall not exceed 65 years old.
It is worth noting that the above four provisions on loan term must be met at the same time. In other words, the longest loan term must meet the above four conditions at the same time.