1, using the housing provident fund loan to purchase ordinary commodity housing, price-limited commodity housing and targeted sales (resettlement) affordable housing, the general loan period shall not exceed 30 years; The purchase of private housing shall not exceed 20 years at the longest; The period of purchasing public housing property rights or building, renovating or overhauling self-owned housing shall not exceed 10 years.
2. The loan period of housing provident fund is not only related to the object of purchase, but also related to the applicant's own age. Most places stipulate that the sum of the borrower's age and the loan period 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.
3. The loan period of housing provident fund is also closely related to the loan type. If the applicant's loan type is a combination loan model of "commercial bank loan housing provident fund loan", then the loan period of both must be the same, that is to say, the loan period of housing provident fund at this time is generally not more than 20 years, but the provident fund policies in different places are different, which is subject to the policies of the local provident fund management center.
Legal basis: Regulations on the Management of Housing Provident Fund
Article 2 These Regulations shall apply to the deposit, withdrawal, use, management and supervision of housing provident fund in People's Republic of China (PRC).
The term "housing accumulation fund" as mentioned in these Regulations refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units and social organizations (hereinafter referred to as units) and their employees.
Article 3 The housing accumulation fund paid by individual employees and the housing accumulation fund paid by the unit where employees work for employees belong to individual employees.
Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank.
The unit shall register the housing provident fund deposit with the housing provident fund management center, and go through the formalities for the establishment of housing provident fund accounts for the employees of the unit. Each employee can only have one housing provident fund account.
The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.