The longest loan period of Xiamen housing provident fund is 30 years, and the total loan period should be calculated by adding the housing age and loan period. At the same time, the sum of the borrower's age and the loan period shall not exceed 65 years old, and the loan maturity date shall not exceed the land use period.

legal ground

Article 11 of the general rules for loans

The loan term shall be determined by the borrower and the borrower through consultation according to the borrower's production and operation cycle, repayment ability and the lender's capital supply ability, and shall be specified in the loan contract. Generally, the term of self-operated loans shall not exceed 65,438+00 years, and those exceeding 65,438+00 years shall be reported to the People's Bank of China for the record. The longest discount period of bill discount shall not exceed 6 months, from the discount date to the maturity date of the bill.