The loan period of individual commercial housing shall not exceed 10 year. This means that the borrower will repay the principal and interest of the commercial housing loan within 10 years. Due to the nature and risk considerations of commercial housing loans. Commercial housing loans are used to purchase, build or rebuild commercial real estate, and such loans are large in amount and high in risk. In order to control risks, banks and financial institutions will limit the duration of commercial housing loans to ensure that borrowers can repay loans on time.