Combined loans involve provident fund loans and commercial loans, but the term of portfolio loans is unified. Generally, the minimum loan term of the two types of loans is taken. Factors that affect the length of a commercial loan include the age of the property and the age of the loan applicant. Factors that affect the provident fund loan life include the age of the loan applicant and the structure of the building.

Take residential housing as an example

Commercial loans need to examine two factors, namely:

1. 50 years - age of the house

2. 65 years old - the age of the borrower

For state-managed provident fund loans, if it is a brick-concrete structure, the smaller value between "47-age of the house" and "69-age" will be used; if it is a steel structure For mixed structure, choose the smaller value between "57-age" and "69-age".

In terms of municipal provident fund loans, if it is a brick-concrete structure, the smaller value between "47-house age" and "70-age" will be used; if it is a steel-concrete structure, take "57-house age" The smaller value between "age" and "70-age".