Answer: A, B, C, D

The loan term of personal mortgage credit loan is as follows: the maximum validity period is 30 years; if the credit loan is secured by a newly purchased house , the starting date of the valid period is the day before the signing date of the "Personal Housing Loan Contract"; if the bank's original housing mortgage loan is converted into a personal mortgage credit loan, the starting date of the valid period is the day before the original housing mortgage loan issuance date date; the expiration date of a single loan under a mortgage credit loan cannot exceed the expiration date of the mortgage credit loan validity period.