Generally speaking, the longest loan period of housing loan, namely housing mortgage loan, is 30 years. If the mortgaged property is used for business operation, the loan period is generally less than 5 years, and the loan amount is often 70% of the real estate assessment value. If the mortgaged property is used for personal consumption, the loan term is generally within 10 years, and the loan interest rate often rises on the basis of the benchmark interest rate.

Mortgage loan, also called mortgage loan. Refers to a loan method adopted by some national banks.