Legal analysis: the longest loan period is not more than 30 years, and the second-hand housing provident fund loan is not more than 15 years; Mortgage real estate loans are used for personal consumption, and the term is generally within ten years.

Legal basis: Article 394 of the Civil Law of People's Republic of China (PRC) 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, the debtor fails to perform the due debt or the creditor has the right to receive priority compensation 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.