1, prepayment
At the time of application, the borrower did not default on the loan principal and interest.
2. Change of repayment account
The new repayment account should meet the deduction requirements.
3. Change mailing address and telephone information
At the time of application, the borrower did not default on the loan principal and interest.
4. Change of Borrower (Mortgagor)
During the loan repayment period, the borrower (mortgagor) may apply to change the borrower (mortgagor) under any of the specified circumstances such as marriage, divorce and death. To apply for changing the borrower (mortgagor), the following conditions shall be met at the same time:
1) The application for change has been agreed by the parties to the original loan contract and other interested parties;
2) The changed borrower (mortgagor) has full capacity for civil conduct;
3) The changed borrower shall, in principle, be one of the owners of the house purchased, built, renovated or overhauled by loan;
4) The borrower has not defaulted on the loan principal and interest at the time of application.
5. Guarantee change
During the loan repayment period, if it is necessary to change the guarantee agreed in the original loan contract because the guarantor is unable to perform the guarantee responsibility or the collateral is impaired or lost, the borrower shall apply to the loan bank for change. The application for guarantee change shall meet the following conditions:
1) Where a new guarantor is provided or added, the new guarantor shall have sufficient guarantee capacity;
2) When new collateral is provided or added, the new collateral should be evaluated as required. The ratio of the loan balance to the value of the new collateral should not be greater than the specified mortgage rate, and the remaining service life of the new collateral should be longer than the remaining loan period;
3) The borrower has not defaulted on the loan principal and interest at the time of application.