Generally, the maximum mortgage repayment period for a village house is 30 years, and whether it is successful or not depends on factors such as the applicant's age, building age, and loan-to-value ratio. If the loan-to-value ratio for the village house is below 60%, some banks may use the "80 minus age" or "80 minus building age" method to calculate the mortgage repayment period. This means that if the applicant is below 50 years old or the building age is below 50 years, a 30-year mortgage can be applied for. If the loan-to-value ratio for the village house is above 60%, mortgage insurance must be purchased, and the repayment period will be calculated using the "80 minus age" or "55 minus building age" method.