2. The age of second-hand houses is between 6 and 19 years, and the maximum term of provident fund loans shall not exceed the difference between 35 years and the age of the houses;

3. The age of second-hand houses exceeds 20 years. (inclusive), the maximum term of provident fund loans shall not exceed 15 years. Provident fund generally refers to housing provident fund. Housing provident fund refers to the long-term housing savings paid in equal amounts by state agencies, institutions, state-owned enterprises and other enterprises and units.