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i had been living here for 20 years. This means that you are no longer living there.

I am going to make an assumption that you are, for example, talking to a friend, and that you are showing a photograph of an old house. It would be more appropriate to say, i was living here for 20 years, unless you add some more information:

I had been living here for twenty years, when my car was stolen.

here means 'this one' - close to me
there means `that one` - far from me