According to the housing provident fund loan policy, the sum of the borrower's age and the loan period shall not exceed 5 years after the statutory retirement age. Statutory retirement is generally calculated according to the age of 55 for women and 60 for men. The calculation method is the legal retirement age of the lender plus 5 years, and then subtract the age at the time of loan. For example, Mr. Wang is 35 years old and his retirement age is 60 years old, so his loan period is (60+5)-35 years, which is 30 years.