1. Generally, the loan term is less than 30 years, and the maturity date of the loan cannot exceed the borrower's age (male) of 65 years old and (female) of 55 years old in principle;

2. The loan interest rate shall be subject to the provisions of the People's Bank of China. In case of legal interest rate adjustment, if the term is less than 1 year, the contract interest rate will be implemented and interest will not be calculated by installments; If the term exceeds 1 year, the new interest rate will be implemented at the beginning of the following year;

3. The main repayment methods of mortgage are divided into average capital and matching principal and interest, and buyers can choose freely. The principal is to repay the principal and interest every month, first more and then less; Repay the principal and interest on a monthly basis, with the monthly repayment amount unchanged (interest rate adjustment changes).