The maximum amount of provident fund loans is 800,000 yuan. If you want to borrow 500 thousand, it depends on your rating. If you are sure you can borrow so much, the longer the better. If the house you buy is not new enough, you may not be able to repay the loan for such a long time. The longer the time, the lower the interest rate, that is, the less the monthly payment, the less the monthly interest. When you take out the repayment money at one time, it is the most cost-effective, which is commonly known as long loan and short repayment.