Can a second-hand house in 1996 be loaned for 30 years?

Only the provident fund can lend for 30 years.

Commercial loans can only be lent for 20 years at the longest.

There is also to see if your age is enough for a loan of 30 years, which has been answered above.

Now the loan interest rate is relatively low, and the bank will make corresponding adjustments according to the personal qualifications of the lender.