Lenders can apply for provident fund loans at the age of 50 for a maximum of 20 years, and the loan amount is subject to the provisions of the local housing provident fund administration. There is a difference between urban provident fund centers. Even if you can apply for provident fund, the loan down payment and loan interest rate of the lender are different. Lenders need to call the local housing provident fund administration in advance to consult related matters.

The term of provident fund loans is in years. The loan period of provident fund plus the actual age of the lender cannot exceed 70 years, and the lender is 50 years old. According to relevant regulations, the loan can last for up to 20 years. With the growth of the lender's age, the difficulty of loan will increase.

For the lender who has paid the housing accumulation fund in full for more than 5 years continuously, and has stable income, good personal credit and the ability to repay the principal and interest of the loan, the loan term can be extended to 1 to 5 years after the statutory retirement age of the lender.

In China, the retirement age is 65 for men and 60 for women. The loan amount of the housing provident fund is a multiple of the total amount of the provident fund account. The loan amount of housing provident fund is different in different regions, and the lender needs to consult the local housing provident fund administration.

When applying for provident fund loan, the lender has and only has