Generally speaking, the term of provident fund loans shall not exceed the period from the date of issuance of housing provident fund loans to the statutory retirement age, and the longest period shall not exceed 30 years.

Provisions on the term of provident fund loans:

1. For housing provident fund loans issued with newly-built houses purchased as collateral, the loan period generally does not exceed the period from the date when the borrower issues housing provident fund loans to the statutory retirement age, and the longest period is not more than 30 years;

2. For entrusted loans issued with the borrower's second property or third-party property as collateral, the loan term shall not exceed the remaining service life of the mortgaged property, and the longest term shall not exceed 65,438+05 years;

3. In case of pledge with certificate-based treasury bonds or bank deposit certificates, the longest loan period shall not exceed the maturity date of certificate-based treasury bonds or bank deposit certificates. If multiple certificate-based government bonds or bank time deposit certificates with different maturities are used as collateral, the loan term shall be determined based on the one closest to the maturity date;

4, to ensure the issuance of housing provident fund loans, the loan period shall generally not exceed 5 years;

5, from the statutory retirement age of less than 5 years (including 5 years), the housing provident fund loan period can be appropriately extended, the extension period shall not exceed 5 years.