Five years. Personal housing secured loan is a loan in which the borrower or the third party takes the purchased house and other property with ownership as mortgage or pledge, or the third party provides guarantee for its loan and assumes joint liability. Only guarantee is provided, which is only applicable to loans with a loan term of not more than 5 years (including 5 years), and the loan amount does not exceed 50% of the value of the purchased (built or overhauled) house.