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Second, the basic principles of personal loan extension and restructuring

The basic principles of personal loan extension and restructuring include effective restructuring principle, standardized operation principle and appropriate concession principle. If the loan cannot be repaid on schedule, the borrower shall apply to the lender for loan extension before the loan maturity date. Whether the extension is decided by the lender. When applying for secured loan, mortgage loan or extension, the guarantor, mortgagor and pledger shall also issue a written consent certificate. First, the basic principle of personal loan extension and restructuring 1, the principle of effective restructuring: loan restructuring can play a positive role in reducing credit risk and loan losses. 2. Standardized operation principle: loan restructuring must be operated and approved in strict accordance with the prescribed conditions and procedures. 3. The principle of appropriate preferential treatment: the loan restructuring can implement certain preferential treatment within the scope permitted by the policy, so as to facilitate the loan recovery. Two, the loan extension refers to the formalities that the loan cannot be returned at maturity, and the return time is extended after approval. It is a credit principle that enterprises must abide by, and it is also a prerequisite for banks to speed up credit supply. If the enterprise fails to repay the loan on schedule due to special circumstances, it shall apply and explain the situation. After the approval of the bank, the repayment time can be extended, but the repayment procedures need to be handled again, otherwise it will be treated as overdue loans. When applying for extending the secured loan, it shall also issue a written certificate that the loan guarantor agrees to extend the loan and continue to guarantee it. The loan extension period shall not be lower than the original loan conditions. The extension of short-term loans shall not exceed the original loan term; The extension of medium-term loans shall not exceed half of the original loan term; The longest extension of long-term loans shall not exceed 3 years. If the customer fails to apply for extension or the extension application is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date. To sum up, in February 20 10, the personal loan extension period within one year stipulated in the Interim Measures for the Administration of Personal Loans issued by the CBRC shall not exceed the original loan period, and the personal loan extension period of more than one year shall not exceed the longest loan period stipulated by the loan variety.

Third, ask Mr. Robert, an expert, how should a family like me manage money?

One. The monthly mortgage payment is 3,200 and 8 years. Mortgage accounts for about 40% of income, which is too high. It is best to control mortgage below 30% of income. Method 1. Extend the loan period and control the monthly payment at around 2000 yuan. Method two. Restructure the loan, handle the revolving loan, repay the interest monthly, but not the principal.