On August 28, 2026, the People’s Bank of China and the National Financial Regulatory Administration jointly issued new real estate credit policy rules, officially extending the maximum term of personal housing loans from 30 years to 40 years, sparking widespread public debate.
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李老师不是你老师TG
2026-10-04 06:36 · 🎬🖼 “退休后还要继续还房贷”
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央行、金融监管总局发文：个人住房贷款期限由最长30年延长至最长40年
2026-10-07 16:51 · 意见还明确个人住房贷款期限最长不超过40年；所购新建住房实行现房销售的，个人住房贷款应在销售备案后发放；实行预售的，应严格在项目竣工备案后发放。
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Context CONTEXT
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This event
China’s Central Bank and Financial Regulator Issue Document Extending Maximum Term of Personal Mortgage Loans to 40 Years
2026.08.28 · Official claim
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