The longest loan period is 30 years. The main contents are as follows: According to the Notice of the General Office of the State Council on Further Improving the Regulation of the Real Estate Market, the loan period of the provident fund is in years, and the longest loan period is no more than 30 years. The sum of the loan application period and the actual age at the time of loan application shall not exceed 70 years. According to the housing accumulation fund stipulated by the Ministry of Housing and Urban-Rural Development and the People's Bank of China. At present, the annual interest rate for five years or less is 4.00%; The annual interest rate for more than five years is 4.50%. When the loanable amount of employees' provident fund loans is not enough to pay for the house purchase, employees can apply to the entrusted bank for commercial housing loans, which will be distributed to employees in the form of a combination of provident fund loans and commercial housing loans. Provident fund loans can be mortgaged or pledged. If the provident fund loan is secured by mortgage, the borrower shall take the purchased house as collateral, sign a mortgage contract with the entrusted bank, and go through the mortgage registration formalities in accordance with the provisions of the registration of real estate rights in this Municipality. If the provident fund loan is secured by pledge, the borrower or the third party shall provide the voucher-type national debt recognized by the provident fund center and the entrusted bank, the local currency time deposit certificate of the entrusted bank and other legal pledge rights certificates for guarantee. The borrower shall sign a pledge contract with the entrusted bank, and go through the formalities of transfer of title certificate within the time limit stipulated in the contract. It should be noted that when employees apply for a combination of provident fund loans and commercial housing loans, the down payment ratio they pay should comply with the relevant provisions of the down payment ratio in commercial loans.