The period of provident fund loan is related to the type, structure and age of the house purchased. The loan period of a first-hand house is generally 30 years. Second-hand house, the building structure is frame structure (reinforced concrete), the building age is 1-5 years, and the loan period is 30 years. If the building is 6- 10, the loan period is 25 years. The loan term of 1 1- 15, 16-20, 2 1-30 years is 20 years, 15, 10 years respectively. People over the age of 30 cannot apply for provident fund loans. The housing structure is a second-hand house with mixed structure. The loan terms of 1-5 years, 6- 10 years,1-15 years, 16-20 years are 20 years and120 years respectively. Brick and wood structures cannot apply for provident fund loans.

If the provident fund loan is used for the construction or renovation of owner-occupied housing, the maximum loan amount can be 70% of the benchmark land price of construction land, and the loan period is 20 years. If the provident fund loan is used for the overhaul of self-occupied housing, the maximum loan amount can be 70% of the benchmark land price of construction land, and the loan period is 15 years.

The process of applying for provident fund loan is as follows: the lender applies for housing provident fund loan at the bank, fills in the Application Form for Housing Provident Fund Loan and submits relevant materials, and needs to provide: the identity certificate of the applicant and spouse (referring to valid residence documents such as resident ID card and household registration book); Proof of income of the applicant and spouse, and proof of creditor's rights and debts if there are debts that affect repayment ability; Proof of deposit of housing provident fund of the applicant and spouse; Valid certificates such as purchase contract; Other information required by the provident fund center. If the applicant's information is complete, the bank will accept the review in time and submit it to the provident fund center. After that, the provident fund center will approve the loan and inform the bank of the approval result in time. After the bank receives the result, if it is approved, it will notify the applicant to go through the loan procedures, and the borrower and his wife will sign a loan contract and related contracts or agreements with the bank, and send the loan contract and other procedures to the provident fund center for approval. Then wait for the bank to lend money.