1. If the loan contract needs to be changed, it must be agreed by both borrowers and borrowers through consultation, and a change agreement shall be signed according to law. Where a third-party guarantee is involved, the consent of the third-party guarantor shall also be obtained.

2. If the borrower dies during the repayment period, is declared dead or missing by the people's hospital, or is declared as a person without civil capacity or with limited capacity, the legal heir, legatee, property custodian or guardian of the borrower's property shall continue to perform the contract signed by the borrower. If the borrower refuses to perform, the lender has the right to dispose of the collateral or pledge according to the contract.

3. When the guarantor loses the qualification and ability to guarantee, or merger, division or bankruptcy occurs, the borrower shall change the guarantor and go through the guarantee procedures again.

The above contents are for your reference. Please refer to the actual business regulations.

If you have any questions, please contact online customer service of Bank of China.

You are cordially invited to download and use China Bank Mobile Banking APP or China Bank Cross-border GO APP to handle related business.