The longest period is 10 year. If the house is used as collateral, the consumption loan is generally 1 year, 3 years, 5 years,1year. The borrower must also meet the application conditions. Application conditions: 1. Property; Residence: 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. Paragraph 68 of Article 394 of the Civil Code guarantees the performance of debts. If the debtor or a third party mortgages the property to the creditor without transferring the possession of the property, if the debtor fails to perform the due debt or realize the mortgage according to the agreement of the parties, the creditor has the right to be compensated in priority for the property. The debtor or the third party specified in the preceding paragraph is the mortgagor, the creditor is the mortgagee, and the property that provides guarantee is the mortgaged property.