1, the borrower repays normally for more than one year, and has a good reputation, and there is no overdue repayment at the time of application.
2. When applying for shortening the loan term, the borrower should have no bad repayment record, and the income certificate provided should have the repayment ability after shortening the term, and agree that the mortgage term of the collateral will remain unchanged.
3. When applying for extending the loan term, the borrower shall explain the objective reasons that lead to the failure to repay the loan according to the contract term, and agree to make corresponding changes to the mortgage term of the collateral.
4. The change of the term of the portfolio loan shall be agreed by the portfolio loan bank, and the change period shall be consistent.
5. The first term change shall be subject to the contract term, and the number of extended or shortened terms shall be changed by multiple (year) of 12.
6. The "actual loan term" after the loan term is changed (repayment period+future repayment period, the same below) cannot exceed the stipulated maximum term of provident fund loans, that is, 30 years for commercial housing and 30 years for second-hand housing plus the actual loan term; It is no more than 5 years before the statutory retirement age of the borrower (65 years for men and 60 years for women).