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 court, is declared as a person with no or limited capacity for civil conduct or loses capacity for civil conduct, the legal heir or legatee of the borrower's property shall continue to perform the loan contract signed by the borrower.

3. If the borrower has no legal heir, legatee, property custodian or guardian, or its legal heir, legatee, property custodian or guardian refuses to perform the unfulfilled obligations under the loan contract, the lender has the right to recover or dispose of the mortgaged or pledged property from the guarantor according to laws, regulations and the guarantee contract.

4. When the guarantor loses his guarantee qualification and ability, or events such as merger, division and bankruptcy occur that may affect his guarantee ability, the borrower shall provide a new guarantee, replace the guarantor and go through the guarantee procedures again according to the loan contract.

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.