(1) For housing provident fund loans issued with the purchased newly constructed housing as collateral, the loan term shall generally not exceed the number of years from the date of the borrower’s housing provident fund loan to the statutory retirement age. The term shall not exceed 30 years;

(2) For entrusted loans issued with the borrower’s second property or a third party’s property as collateral, the loan term shall not exceed the remaining useful life of the mortgaged property, and the maximum It shall not exceed 15 years;

(3) If the certificated treasury bonds or bank time deposit certificates are pledged, the maximum loan period shall not exceed the maturity date of the certificated treasury bonds or bank time deposit certificates. If multiple certificate-type treasury bonds or bank time deposit certificates of different maturities are used as pledge, the loan term will be determined based on the one closest to the maturity date;

(4) For housing provident fund loans issued in the form of guarantee, the loan term Generally it shall not exceed 5 years.

(5) For employees who are less than 5 years (inclusive) from the statutory retirement age, the housing provident fund loan period can be appropriately extended, and the extension period shall not exceed 5 years.