1, 20 years: the longest term of the World Bank's hard loans is 20 years, with an average of 17 years and a grace period of 5 years. Starting from the sixth year, the principal and interest will be repaid every year, and only the interest will be repaid in the first five years.

2. Fifty years: the longest term of soft loans is 50 years, and the grace period is 10 year, that is, the principal is not repaid in the first year of 10, and it is repaid in two installments every year from 1 1 year.