The longest repayment period of provident fund loans is 30 years. However, not everyone can borrow for 30 years, because the loan period is still limited by the retirement age, that is, "the loan period should not exceed the statutory retirement time of the borrower in principle". Generally speaking, if citizen A wants to use provident fund loans, but there are only 15 years left before his legal retirement age, he can borrow 30- 15= 15 for a long time instead of 30 years.

Legal objectivity:

"Regulations on the Management of Housing Provident Fund" Article 24 Employees may withdraw the storage balance in the housing provident fund account under any of the following circumstances: (1) purchasing, constructing, renovating or overhauling their own houses; 2 retired; (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; Rent exceeds the prescribed proportion of family wage income. In accordance with the provisions of items (2), (3) and (4) of the preceding paragraph, the employee housing provident fund account shall be cancelled at the same time. If an employee dies or is declared dead, the employee's heirs and legatees may withdraw the storage balance in the employee's housing provident fund account; If there is no heir or legatee, the storage balance in the employee housing provident fund account will be included in the value-added income of the housing provident fund.