Several places have raised the age limit for housing provident fund loans, releasing demand for improved housing.

According to reporters' findings, policy adjustments have been implemented in Beijing, Xi'an, Kunming, Qingdao, and other places, extending the maximum age limit for loan maturity to 68 for men and 63 for women, or 5 years after the legal retirement age, in coordination with the national progressive retirement policy. Respondents indicated that this adjustment of the age limit for provident fund loans creates space by relaxing the borrower's age restrictions to extend the loan period, releasing the potential for housing consumption while posing a new challenge to the risk assessment and control mechanisms of banks. Banks need to seek a balance between policy dividend release and risk bottom line adherence, implementing policy guidelines that support reasonable housing demand while strengthening risk control measures for high-age loan businesses.