How do banks decide the home loan tenure. Depending on the age of the customer, his home loan tenure is decided. If his age is high, his home loan's tenure will decrease, Example if his age 50 Years, home Loan tenure can come from 15 years to 20 years. Similarly, if his age is very short then his home loan tenure increase, If his age is below 40 years, his Home loan tenure will be 20 years to 30 years.