If the settled commercial housing is used to mortgage the loan to China Merchants Bank, different loan periods are different (it cannot be used to buy commercial housing).

For example:

The loan period of "personal car loan" is generally not more than 3 years, and the longest is not more than 5 years.

The term of "personal consumption loan" is as follows: 1. For parking or decoration, the term shall not exceed 10 years (inclusive); 2. For the purpose of buying a car, the term shall not exceed 5 years (inclusive); 3, the use of educational information, the period is not more than 8 years (inclusive); Other legal consumption, the term is not more than 3 years (inclusive).

"Small and micro enterprise loans": the longest term of the credit line shall not exceed 10 year, and the single term shall not exceed 5 years.

The specific term of your loan can only be determined after you apply for a loan and the handling bank examines it.