Portfolio loans can be repaid within five years. Portfolio loans can be loaned for up to 30 years, while commercial loans and provident fund loans can be loaned for up to 30 years. When combining loans, the loan terms of the two parts should be the same.

The specific loan term is determined by both the provident fund management center and the loan bank, the provident fund loan term is determined by the provident fund management center, and the commercial loan term is determined by the loan bank, with the lower loan term as the longest loan term.

As long as you are under 60, you can always borrow to 60, but not more than 20 years.

Finally, you can look at your loan contract. There is a time description in the loan contract.