The renovation loan is valid for a maximum of 5 years. According to the Notice on Further Promoting the Standardized and Healthy Development of Credit Card Business jointly issued by China Banking and Insurance Regulatory Commission and China of the People's Bank of China in 2022, it is emphasized that the term of installment business should not exceed 5 years, and the longest term of decoration loan should be adjusted from 8 years to 5 years. Therefore, the longest validity period of the decoration loan is 5 years.