Three years. There will be two time concepts in the bank's loan credit business: credit period and loan period. One-year loans are approved in three years, that is, after the loan expires in one year, if you apply for a new loan within the three-year credit period, the credit will not exceed three years. Loans are loans issued by banks, credit cooperatives and other institutions to units or individuals who need money, and the interest and repayment date will be clearly agreed.