Purchase of commercial housing, price-limited commercial housing, targeted sales (resettlement) of affordable housing, the loan period shall not exceed 30 years; The purchase of private housing shall not exceed 20 years; The period of purchasing public housing property rights or building, renovating or overhauling self-owned housing shall not exceed 10 years.

The sum of the borrower's age and the loan term shall not exceed 5 years after the statutory retirement age. The legal retirement age is generally calculated according to the age of 55 for women and 60 for men; Unless otherwise stipulated by the state, the retirement age shall be implemented according to its provisions, but the maximum retirement age shall not exceed 65 years old.

The longest loan period of the lender shall not exceed the low value calculated by the above two methods.