1, the loan is related to the age of the house: this residential area is divided into two lanes, 20 13 of Lane 255 of He Hua Road is completed, and the loan period of provident fund is 35-(2018-2013) = 30 years; Zhenda Road, Lane 333, 20 12 completed. The term of provident fund loans is 35-(2018-2012) = 29 years, and commercial loans are generally 30 years. 2. The loan period is also related to age, and the longest loan period is 65 years old. 3. If the above three points are met at the same time, the shortest loan period shall prevail.