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44 years old, no provident fund, can I borrow for 20 years?
You can't.

The access condition for provident fund loans is that individuals can make loans if they have paid the provident fund in 300 yuan for six consecutive months and have good credit information. The age of the loan is 25 to 55, and the information you need to carry is ID card, marriage certificate, income certificate, bank account, address certificate and provident fund card.