The loan term of the portfolio loan shall conform to the provisions of the provident fund management center and commercial banks, and the longest loan term shall be 30 years. The longest loan period shall not exceed the annual limit of the borrower from the date of loan issuance to the statutory retirement age of the country. The longest loan period is different for different houses. The longest loan period for commercial housing and affordable housing is 30 years; The longest loan period for purchasing cooperative housing, private housing and self-built housing is 15 years; The longest loan period for purchasing public housing, rebuilding housing, replacing public housing and overhauling self-occupied housing is 10 year.