It depends on who is the main lender. The longest term of housing provident fund loans is 30 years. In principle, the sum of the borrower's age and the number of years of applying for loans shall not exceed five years after his statutory retirement age, that is, male employees can borrow until they are 65 years old and female employees can borrow until they are 60 years old. If the reputation is good, banks can generally calculate the number of years according to people who have reached the prescribed age.

Borrowing is a joint debt of husband and wife and needs to be shared. Loan refers to a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must return them. The simple and popular understanding is to borrow money with interest.

Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development; At the same time, banks can also obtain loan interest income and increase their own accumulation.

Legal content of pre-loan investigation

(1) Review the legal status of the borrower, including its legal establishment and continuous and effective existence. If it is an enterprise, it should examine whether the borrower is legally established and whether it has the qualifications and qualifications to engage in related businesses, and check the business license and qualification certificate. Pay attention to whether the relevant certificates have passed the annual inspection or related verification.

(2) Regarding the credit standing of the borrower, check whether the registered capital of the borrower is suitable for loans; Review whether there is any obvious withdrawal of registered capital; Past loans and repayments; And whether the borrower's product quality, environmental protection, tax payment, etc. are illegal and illegal that may affect the repayment.

(3) Regarding the borrower's loan conditions, whether the borrower has opened basic deposit account and general deposit accounts in accordance with relevant laws and regulations; Whether the foreign investment of the borrower (if it is a company) exceeds 50% of its net assets; Whether the borrower's debt ratio meets the requirements of the lender;

(4) Regarding the guarantee, if it is guaranteed, the qualification, reputation and ability to perform the contract of the guarantor shall be investigated.

In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When issuing loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives and key management personnel of enterprises.

When issuing secured loans, we should carefully investigate the relationship between the borrower and the guarantor. The borrower and the guarantor belong to the same group company, and the loan should be strictly examined. The guarantee provided by the branch of a non-independent legal person is invalid.