The longest validity period of the mortgage line is 5 years, and the expiration date of the pledge line shall not exceed the expiration date of the pledge right, and the longest validity period shall not exceed 5 years. The validity period of credit line and guarantee line is 2 years. The validity period of the line shall be calculated from the effective date of the loan contract. If the borrower applies for two or more lines of pledge, mortgage, guarantee or credit at the same time, the Construction Bank will verify the validity of the borrower's personal consumption line loan according to the shortest line. After the limit expires, it is not allowed to continue to withdraw the remaining limit.