The longest period is 10 year. If the house is used as collateral, the consumption loan is generally 1, 3, 5, 10 years. The borrower must also meet the application conditions. 1. Application conditions: 1. Property; Address: (1) office building; (2) Villa; (3) Commercial housing; (4) cost room; (5) Affordable housing (strict requirements for affordable housing), with clear property rights within 20 years. 2. Mortgagor or borrower (normal age 18-65 years old) and in good health; 3. The mortgagor or borrower has no fatigue for three consecutive months in the last 24 months; 4. The mortgagor or borrower can prove the source of repayment and other assets (certificates of deposit, two houses, stocks, funds, etc.). ); The actual use of funds is clear. 2. Preparation materials: 1, original and photocopy of ID card and household registration book of the borrower and spouse (if single, single certificate is required); 2. Proof and copy of the borrower's marital status; 3. Family property, car ownership certificate and its photocopy, and other assets certification materials (original and photocopy of house ownership certificate, land use certificate and deed certificate); 4. Statement of personal main bank account in recent 6 to 12 months (with bank seal); 5, work unit income certificate; 6. Proof materials such as family private loans; 7. Evaluation report.

Article 386 of the Civil Code: If the debtor fails to perform the due debt or the parties agree to realize the security interest, the security interest holder shall enjoy the right of priority in compensation for the secured property according to law, unless otherwise stipulated by law.