1. Newly-built commercial housing: the longest loan period is 30 years.
2. Second-hand housing:
? Houses completed within 5 years can be lo
1. Newly-built commercial housing: the longest loan period is 30 years.
2. Second-hand housing:
? Houses completed within 5 years can be loaned for up to 30 years;
? For houses with a room age of 6- 19, the longest loanable period is 35 years minus the room age;
? The longest loan for a house with a room age of more than 20 years is 15 years.
Note 1 provident fund loan: lineal blood relatives with the same household registration for one year can jointly participate in the loan and jointly repay the loan.
Note 2: The borrower's loan term cannot exceed 5 years after the borrower's statutory retirement age (the longest loan term is 65 years for men and 60 years for women)?