legal analysis: the loan period of individual housing provident fund is one to thirty years, of which the loan period for purchasing second-hand housing is one to ten years, and it shall not be longer than the time when the borrower is away from the statutory retirement age; Employees approaching retirement age may appropriately relax the loan period for 1-3 years on the basis of considering their loan repayment ability. Provident fund generally refers to housing provident fund. Refers to the long-term housing savings paid by state organs and institutions, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises and institutions, private non-enterprise units, social organizations and their employees.

legal basis: article 26 of the regulations on the management of housing provident fund, employees who have paid housing provident fund can apply for housing provident fund loans from the housing provident fund management center when purchasing, building, renovating or overhauling their own houses. The housing provident fund management center shall, within 15 days from the date of accepting the application, make a decision on whether to grant or not to grant loans, and notify the applicant; If the loan is granted, the entrusted bank shall go through the loan formalities. The risk of housing provident fund loans shall be borne by the housing provident fund management center.