The term of fixed assets loan is usually determined according to the actual construction and production and operation cycle of the project, and generally does not exceed 10 year.

Fixed assets loans are mainly used to support fixed assets investment of enterprises, including new projects, expansion projects and renovation projects. In order to control the loan risk, banks usually determine the specific loan term according to the actual situation of the project and the operating conditions of enterprises, and require borrowers to repay on time within the agreed time limit.