Core Viewpoint - Multiple regions in China, including Shandong, are extending the age limit for housing provident fund loan applicants, allowing men up to 68 years and women up to 63 years, or five years beyond the statutory retirement age [1][3][21]. Group 1: Policy Changes in Various Regions - Shandong Province plans to extend the housing provident fund loan maturity age limit to men aged 68 and women aged 63, or five years after the statutory retirement age [1]. - Zhengzhou, Henan, is seeking public opinion on adjusting the age limit for housing provident fund loan applicants, proposing similar age extensions [3]. - In Jiangmen, Guangdong, the housing provident fund loan management measures have been revised to allow for longer loan terms, effective from April 1, 2025 [5][6]. - Qingdao, Shandong, has announced adjustments to its housing provident fund loan policies, effective March 27, 2025, with similar age limits [8]. - Kunming, Yunnan, has issued a notice to adjust the age limit for housing provident fund loan applicants, effective March 24, 2025 [10]. - Xi'an, Shaanxi, has also announced changes to the age limit for housing provident fund loans, aligning with the new age restrictions [12]. - Harbin, Heilongjiang, has extended the maximum age for housing provident fund loan applicants to 68 for men and 63 for women, effective January 1, 2025 [13]. - Beijing has adjusted its housing provident fund loan age limit to a maximum of 68 years for men and 63 years for women, effective January 1, 2025 [15]. - Chongqing has optimized its housing provident fund policies, extending the loan maturity age limit to 68 for men and 63 for women, effective January 1, 2025 [17]. Group 2: Common Features of Policy Adjustments - The adjustments across various regions generally extend the age limit to men aged 68 and women aged 63 [18]. - A dual constraint mechanism of "statutory retirement age + 5 years" is being established [21]. - These changes are in line with the national policy of delaying retirement [21].