Provident fund loan period The provident fund loan period is up to 30 years, whichever is older, whichever is older. The age plus the loan period cannot exceed 70 years, and it is also related to the age of the building. The age of the brick-concrete building plus the loan period cannot exceed 47 years.

In 2017, the age of the steel-concrete structure plus the loan term cannot exceed 57 years.

The amount of provident fund loans is stipulated by level. The maximum loan amount for A-level is RMB 800,000, the maximum loan for AA-level is RMB 920,000, and the maximum loan for AAA-level is RMB 1.04 million.

The specific loan limit is: First, it must not exceed the individual's repayment ability, that is: the borrower's monthly deposit amount/the borrower's provident fund deposit ratio, the borrower's spouse's monthly provident fund deposit amount/the sum of the borrower's spouse's provident fund deposit ratio × 50%

× 12 (months)

%); third, the borrower (including spouse) must have the ability to have an average monthly income no less than the minimum living allowance for urban and rural residents in this city after repaying the principal and interest of the loan.

Housing provident fund loan period: The maximum housing provident fund loan period is 30 years.

In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after the legal retirement age, that is, male employees can borrow until the age of 65, and female employees can borrow until the age of 60.

Warm reminder: The above answers are only based on the current information and my understanding of the law. Please refer to it with caution!

If you still have questions about this issue, it is recommended that you sort out the relevant information and communicate with professionals in detail.

Legal analysis of provident fund loan term and age: 1. The maximum term of housing provident fund loan is 30 years.

2. In principle, the sum of the borrower's age and the loan application period shall not exceed 5 years after the legal retirement age, that is, male employees can borrow until the age of 65, and female employees can borrow until the age of 60.

Legal basis: Article 18 of the "Housing Provident Fund Management Regulations" stipulates that the contribution ratio of employees and units to the housing provident fund shall not be less than 5% of the employees' average monthly salary in the previous year; in cities with conditions, the contribution ratio can be appropriately increased.

The specific payment ratio shall be formulated by the Housing Provident Fund Management Committee, and shall be submitted to the people's government of the province, autonomous region, or municipality directly under the Central Government for approval after review by the people's government at the same level.

Article 19 The housing provident fund paid by individual employees shall be withheld and paid by the unit from their wages every month.

The unit shall remit the housing provident fund deposited by the unit and paid on behalf of the employees to a special housing provident fund account within 5 days of the monthly payment of employee wages, and the entrusted bank shall include it in the employee housing provident fund account.

How to calculate the provident fund loan period? Housing provident fund loans refer to local housing provident fund management centers using the housing provident funds paid by employees and their units, and entrusting commercial banks to collect funds from current employees who have paid housing provident funds and who have paid housing provident funds during their employment.

House mortgage loans issued to retired employees.

The term of provident fund loans ranges from 1 to 30 years and cannot be longer than five years after the borrower's statutory retirement age.

Since the housing provident fund loan period is affected by many factors, the housing provident fund loan period can be determined according to the type of house, the age of the applicant, the type of loan, etc. It is specifically divided into the following categories: First, use the housing provident fund loan to purchase

For ordinary commercial housing, limited-price commercial housing, and targeted sales (resettlement) of affordable housing, the general loan period shall not exceed 30 years; for the purchase of privately owned housing, the maximum loan period shall not exceed 20 years; for the purchase of public property rights or construction, renovation, or overhaul

For self-owned housing, the maximum period shall not exceed 10 years.

Second, the housing provident fund loan period is not only related to the person buying the house, but also the age of the applicant.

Most places stipulate that the sum of the borrower's age and the loan term shall not exceed 5 years after the legal retirement age.

The statutory retirement age is generally calculated based on the age of 55 for women and 60 for men; if the state provides otherwise, the retirement age shall be in accordance with its regulations but shall not exceed the age of 65.

Third, the term of a housing provident fund loan is also closely related to the type of loan. If the applicant’s loan type is a combination loan model of “commercial bank loan housing provident fund loan”, then the loan terms of the two must be consistent, which means that the housing provident fund loan at this time

The term of a provident fund loan is generally no more than 20 years.

Legal basis: Article 26 of the "Housing Provident Fund Management Regulations" stipulates that employees who have paid housing provident funds may apply for housing provident fund loans from the Housing Provident Fund Management Center when purchasing, constructing, renovating, or overhauling their own homes.

There are some other relevant regulations for calculating the specific number of years. The detailed regulations are as follows: 1. If the borrower purchases commercial housing or limited-price commercial housing, the loan period shall not exceed 30 years.

2. If the borrower purchases a privately owned house, the loan term cannot exceed 20 years.

3. If a borrower purchases a second-hand house, the maximum loan period shall not exceed 15 years.