How many years can a provident fund loan be borrowed, which is related to a second-hand house and the purpose of the loan. Apply for housing provident fund personal housing loan: the first-hand household can not exceed 30 years; The age of second-hand houses cannot exceed 15 years; Personal construction, renovation and overhaul of self-occupied housing provident fund loans can not exceed 15 years; Apply for housing loans attached to the housing provident fund construction, renovation or overhaul loans, the loan period should be the same as the application for housing loans. "Measures for the Administration of Individual Housing Loans" Article 10 The lender shall reasonably determine the loan term according to the actual situation, but the longest term shall not exceed 20 years. Article 11 The borrower shall work out a repayment plan with the loan bank. If the loan term is within 65,438+0 years (including 65,438+0 years), the borrower will repay the principal and interest at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly.