Within the longest loan period stipulated by the People's Bank of China (currently 30 years), the provident fund management department and the loan bank shall determine the loan period respectively according to the actual situation of the borrower.

2. How many years can a mortgage loan for a house in Hefei last?

Generally, the longest loan period of real estate mortgage loan is 30 years. And it depends on the local policies and the age of the house. You can ask the local intermediary companies and banks for details. If it is a new house mortgage, the longest loan period cannot exceed 30 years; If it is a second-hand housing mortgage, it cannot exceed 20 years. When calculating the loan term, the borrower should determine the repayment term according to his repayment ability, so as not to cause repayment pressure.

Legal basis: Interim Measures for Personal Loans

Article 11

To apply for a personal loan, the following conditions shall be met: (1) The borrower is a People's Republic of China (PRC) citizen with full capacity for civil conduct or an overseas natural person who meets the relevant provisions of the state; (2) The purpose of the loan is clear and legal;

(3) The amount, duration and currency of the loan application are reasonable; (4) The borrower has the willingness and ability to repay; (5) The borrower's credit status is good and there is no significant bad credit record; (6) Other conditions required by the lender.

Third, what is the longest commercial loan in Hefei?

The interest rate is 5.94%, and the monthly payment is 965.25 yuan.

4. What is the longest commercial loan in Hefei?

1, commercial loans and provident fund loans (including provident fund portfolio loans) can be loaned for up to 30 years;

2. The highest repayment age for men is 70 years old, and some banks can lend to 75 years old; The highest repayment age for women is 65 years old; Men or women can no longer borrow money after retirement; For example, a 50-year-old man can only borrow it for 20 years;

3. The new house can be loaned for 30 years as long as it is not limited by the buyer's loan period; Second-hand housing is also limited by the age of second-hand housing. Many old houses over 20 years old, if there is no school district housing value support, many banks are reluctant to lend; For some high-quality school districts and old houses with a house age of more than 20 years, banks can lend 10 years; The calculation date of house age is the date of house completion and delivery, not the time of land acquisition.

4. If it is a commercial apartment, office building or shop, the longest loan can be 10 year;