With that disclaimer in mind, here are my thoughts: (1) it has most of the outward appearances of a shingun-to or gendai-to (modern machine-made swords), but sometimes older blades were reworked to more modern styles, so looks can be deceiving, (2) the amount of rust on the blade also suggests a modern stamped blade, as the historic blades were more rust-resistant, (3)the habaki appears to have been plated or painted, rather than solid brass, also indicating more recent manufacture, and (4) the colourings on the tsuba appear to be painted, rather than inlaid -- another indication of more recent manufacture.
All that being said, the best way to identify the age of a blade is usually by the markings engraved (or stamped on modern blades) onto the nakago (tang) which is hidden under the handle in the posted photos. The swordsmith(s), polisher(s), and/or manufacturer normally marks the the nakago with identifying information that readily identifies the age and type of sword and there are many excellent books and internet guides available to help you identify those markings.
Hope that helps a little. Perhaps someone more expert than I can add more information for you.
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