1, term of commercial loan.

Calculated according to the age of the lender. Loan years+borrower's age&; 65 years old.

2. Term of provident fund loan.

Calculated according to the age of the lender. If you go to the municipal provident fund management center, the loan period =70- the age of older couples. If you go to the state-run provident fund management center, the loan period =69- the age of older couples.