Legal analysis: 1. The maximum term of housing provident fund loans is 30 years.

2. In principle, the sum of the borrower’s age and the loan application period shall not exceed 5 years after the legal retirement age, that is, male employees can borrow until the age of 65, and female employees can borrow until the age of 60.

Legal basis: "Housing Provident Fund Management Regulations"

Article 18 The contribution ratio of employees and units to housing provident funds shall not be less than 5% of the employees' average monthly salary in the previous year ; Cities with conditions can appropriately increase the deposit ratio. The specific contribution ratio shall be formulated by the Housing Provident Fund Management Committee, and shall be submitted to the people's government of the province, autonomous region, or municipality directly under the Central Government for approval after review by the people's government at the same level.

Article 19 The housing provident fund paid by individual employees shall be withheld and paid by the employer from their wages every month.

The unit shall remit the housing provident fund deposited by the unit and paid on behalf of the employees to a special housing provident fund account within 5 days of the monthly payment of employee wages, and the entrusted bank shall include it in the housing provident fund of the employees. Provident Fund Account.

Warm reminder

The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.