Term of ordinary residential loan: 1-30 years, which can be determined according to personal economic situation. Those with strong repayment ability can borrow less for a few years, and those with heavy repayment pressure can borrow more for a few years.

Generally, the age of male loan is no more than 65, and that of female loan is no more than 60.

The loan term of real estate products such as commercial and residential buildings, office buildings and shops is 1- 10 years, and the interest rate rises 10% on the basis of the benchmark interest rate. The loan period can be determined according to the personal economic situation.

1. If it is a commercial loan, the maximum amount is 70% of the house price;

2. The loan term cannot exceed 30 years. If it is a second-hand house, the loan period+house age cannot exceed 30 years;

3. The loan term is determined, and the monthly repayment ability cannot exceed 50% of the family income.