Provident fund loans to buy new houses have no restrictions on the age of houses, while loans to buy second-hand houses require that the age of second-hand houses should not exceed 20 or 25 years. Second-hand houses over 20 or 25 years will not pass the provident fund loan review. Different regions have different specific regulations. Please refer to the age of second-hand houses published by the local provident fund center.

The age of the house will affect the loan application period of the lender. The younger the house age, the longer the loan period that the lender can apply for. So try to choose a property with a younger age to apply for a provident fund loan. In addition, the age of the lender will also affect the term of the provident fund loan. The older the lender is, the shorter the loan period that can be applied for. If you want to apply for a longer loan term, you need to apply for a provident fund loan at a younger age.

As for whether the user can pass the audit after submitting the provident fund loan application, the results of the provident fund audit shall prevail. Different users have different credit qualifications, so the audit results will be different.