Men are less than or equal to 65 years old and women are less than or equal to 60 years old. These users can use provident fund loans to buy houses. The longest loan period of individual housing provident fund loans cannot exceed 30 years, so if a 60-year-old user applies for provident fund loans, the loan period will be greatly shortened. So it is more advantageous to apply for provident fund loans when you are young. In addition, some regions have different requirements for the duration of provident fund loans. For example, the longest term of Beijing provident fund loans is limited to the borrower's 70 years old.

Housing provident fund loan eligibility conditions The borrower shall meet the following conditions:

1, the identity is legal and valid;

2. Have full capacity for civil conduct;

3. Have a stable occupation and income, good credit status and the ability to repay the principal and interest of the loan;

4, purchase, construction, renovation, overhaul occupied housing;

5, with the purchase, construction, renovation, overhaul of owner-occupied housing contract or related documents;

6, in line with the provisions of the client on the deposit conditions of the loan housing provident fund;

7. Provide customer-recognized guarantee;

8. The borrower and his wife have no outstanding housing provident fund loans or housing provident fund policy discount loans;

9. Meet other conditions stipulated by the client.

To sum up, at the age of 60, you can still apply for provident fund loans.

Legal basis:

Article 3 of the Regulations on the Management of Housing Provident Fund

The housing accumulation fund paid by individual employees and the housing accumulation fund paid for employees by the unit where the employees work belong to individual employees.

Article 4

The management of housing provident fund shall follow the principles of decision-making of housing provident fund management committee, operation of housing provident fund management center, storage of special bank accounts and financial supervision. Article 5 The housing accumulation fund shall be used for the purchase, construction, renovation and overhaul of self-occupied housing by employees, and no unit or individual may use it for other purposes.

Article 24

In any of the following circumstances, the employee may withdraw the storage balance in the employee housing provident fund account:

(a) the purchase, construction, renovation and overhaul of owner-occupied housing;

(2) retirement;

(three) completely lose the ability to work, and terminate the labor relationship with the unit;

(4) Having left the country to settle down;

(5) Repaying the principal and interest of the house purchase loan;

(six) the rent exceeds the prescribed proportion of family wage income.