; and (ii) may be deferred to the end of the 10-year period described in clause (i) at the election of the eligible entity. (9) Revolving loan fund (A) In general As a condition of participating in the program, a State or Indian tribe shall use the funds repaid to the State or Indian tribe under loans offered under this subsection to issue new loans under this subsection. (B) Administrative costs Not more than 10 percent of the repaid funds described in subparagraph (A) may be used for the administrative cost of issuing new loans from those repaid funds under this subsection. (f) Loans by eligible entities to qualified consumers (1) Use of loan (A) In general A loan made by an eligible entity to a qualified consumer using loan funds provided by a State or Indian tribe under subsection (e)— (i) shall be used to finance energy efficiency measures for the purpose of decreasing the energy use or costs of the qualified consumer by an amount that ensures, to the maximum extent practicable, that the applicable loan term described in subparagraph (B) shall not be an undue financial burden on the qualified consumer, as determined by the eligible entity; (ii) shall not be used to fund purchases of, or modifications to, personal property unless the personal property is or becomes attached to real property as a fixture; (iii) may be used to upgrade a manufactured home, regardless of the classification of the home as real or personal property; and (iv) may be used to finance the replacement of a manufactured home— (I) if the cost of upgrading the manufactured home is excessive, as determined by the eligible entity; and (II) with priority given to a manufactured home that was constructed before June 15, 1976. (B) Loan term described The loan term referred to in subparagraph (A)(i) is— (i) in the case of a manufactured home replacement, not more than 20 years