The term of mortgage can be changed. If you want to shorten the fixed number of years, you can pay back some money first, so that the monthly repayment pressure will be much less. If it is to extend the repayment period, it is basically feasible to consult the manager of the mortgage. As for the specific operation, the operating procedures of general banks are similar.

Loan type

I. According to the loan term, it is divided into:

Medium-and long-term loans-the loan term is more than 5 years.

Medium-term loan-the loan term is greater than 1 year and less than 5 years.

Short-term loan-the loan term is within 1 year.

Overdraft-a loan with no fixed term

Second, according to the currency is divided into:

Local currency loan

loan

According to the nature of the lender, it is divided into:

Bank loan (self-operated loan)

Consortium lending

Entrusted loan (provident fund loan is a typical entrusted loan)

Specific loan

Three, according to the nature of the loan is divided into:

Economic organization loan

Enterprise unit loan

Public institution loan

personal loan

Four, according to the purpose of the loan is divided into:

Enterprise (economic organization) category

Fixed assets investment loan

Project financing loan

General fixed assets loan

liquidity loans

Lay the foundation for working capital loans

Temporary current loan

bill discounting

Five, a human being

Personal commercial loan

Personal consumption loan

Housing mortgage loan (commonly known as mortgage)

Primary housing loan

Second hand housing loan

Increase in housing loans

Financial mortgage loan

housing loans

Commercial housing mortgage loans (some banks classify such loans as operating loans)

Primary housing loan

Second hand housing loan

Auto loans (including self-use cars and commercial vehicles, some banks classify commercial vehicle loans as operating loans)

Used car (car loan)

Used car (original car financing loan)

Locomotive-related loans

Locomotive financing (also known as locomotive loan, locomotive loan and increase of locomotive loan)

Car installment loan (also known as car installment loan, car loan, motorcycle installment loan or motorcycle installment loan)

Student loan

Other consumer loans

Decoration loan

Tourism loan

Durable consumer goods loan

other

Yes, the bank loan has been issued. Can I still modify the bank loan amount?

After the loan is issued, you cannot modify the loan amount. If you want to change the loan amount, you need to return the loan and apply again.

Extended data:

Application conditions

Borrower's requirements

1.1natural person aged 8-60 (Hong Kong, Macao, Taiwan, mainland China and foreigners are also allowed)

2 have a stable occupation, stable income and the ability to repay the principal and interest of the loan on schedule.

3. The borrower's actual age plus the loan application period shall not exceed 70 years old.

Information to be provided by the borrower

1. Couple ID card, household registration book/temporary residence permit, and foreigner household registration book.

Two copies of marriage certificate/divorce certificate or judgment/single certificate.

3 proof of income (format specified by the bank)

4. Copy of the business license of the unit (with official seal)

5. Credit certificate: including education certificate, other real estate, bank running water, large deposit certificate, etc.

6. If the borrower is an enterprise legal person, it must also provide the annual business license, tax registration certificate, organization code certificate, articles of association and financial statements.

Note: From May, 20 10, foreign residents who want to buy a house in Beijing must also provide the tax payment certificate of recent 1 year or the social security certificate of 1 year and other materials that can prove that they have worked in Beijing for 1 year.

The seller shall provide materials.

1. Husband and wife's ID card, household registration book and marriage certificate (marriage certificate or single certificate)

2. Real estate license

exceptional case

Information for foreigners to buy a house:

Taiwan Province Provincial People-Mainland Travel Pass (Taiwan Compatriot Certificate), household registration vine (which can prove marital status), approval form for purchasing houses in Beijing, and mortgage notarial certificate (entrusted to handle later house purchase and mortgage registration).

Hong Kong people-Hong Kong identity card, marriage certificate, mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration)-Koreans-notarized translation of China passport, notarized translation of Chinese name, notarized translation of household registration book (which can prove marital status) and notarized mortgage notarized certificate (entrusted to handle the later house ownership certificate and mortgage registration).

Other nationalities-notarization of Chinese translation of passport, Chinese translation of name, Chinese translation of marriage certificate, notarization of mortgage (entrusted to handle the registration of house ownership and mortgage in the later period).

The seller shall provide the enterprise with the following information:

Legal person's ID card, original and photocopy of business license, organization code certificate, resolution of selling board of directors, articles of association, power of attorney, trustee's ID card, proof of collection account (the above materials must be stamped with official seal) and real estate license.

Can I change the loan method halfway through buying a house?

Generally speaking, no, generally speaking, the repayment method of mortgage cannot be changed in the middle of repayment. After the borrower signs a loan contract with the bank and determines the repayment plan, it is usually impossible to change the repayment method. However, different bank regulations will be different. For specific suggestions, consult the staff of the loan bank.

Extended data:

Loan means that banks, credit cooperatives and other institutions lend money to units or individuals who use money, and generally agree on interest and repayment date. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. Banks put concentrated money and monetary funds out through loans, which can meet the needs of social expansion and reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Mortgage, also called personal housing loan. Personal housing loan is a kind of consumer loan, which refers to the loan issued by the lender to the borrower for the purchase of ordinary housing for personal use. When a lender issues a personal housing loan, the borrower must provide a guarantee. If the borrower fails to repay the principal and interest of the loan at maturity, the lender has the right to dispose of its collateral or pledge according to law, or the guarantor shall be jointly and severally liable for repaying the principal and interest.

The loan object is a natural person with full capacity for civil conduct. The loan conditions are that urban residents use it to buy ordinary houses for their own use, have a house purchase contract or agreement, have the ability to repay the principal and interest, have good credit, and have a down payment of 30% of the funds needed for house purchase and a loan guarantee recognized by the bank.

Personal housing loans are limited to the purchase of self-occupied ordinary housing and urban residents' self-occupied housing, and may not be used to purchase luxury housing. Personal housing portfolio loan refers to a loan issued to the same borrower with housing provident fund deposits and credit funds for the purchase of self-occupied ordinary housing, which is a combination of personal housing entrusted loans and self-operated loans. In addition, there are housing savings loans and mortgage loans.

The borrower shall provide the lender with the following information: identity documents; Proof of stable income of the borrower's family; Letter of intent, agreement or other approval documents of the house purchase contract that meet the requirements; List of collateral or pledge, proof of ownership and proof that the person with the right to dispose of it agrees to mortgage or pledge; Certificate of collateral valuation issued by the competent department; The guarantor agrees to provide written guarantee documents and the guarantor's credit certificate; Five, to apply for housing provident fund loans, you need to hold a certificate issued by the housing provident fund management department; Other documents or materials required by the lender.

Can I change the loan amount when I renew my student loan?

Yes, you can. The loan amount can be changed when the student loan is renewed, and the annual amount can be changed at will, but it cannot exceed the maximum loan amount of 8,000 yuan required by the student loan. In addition, the student loan can be different from the loan amount of the previous year when it is renewed.

Student loan is a good loan for college students. It helps some poor families to go to college and gives them a chance to go to school. For example, many college students now choose to take student loans. Generally speaking, the student loan bank is the National Development Bank, which is a national policy to temporarily help college students go to school. Therefore, student loans have no interest during their schooling. This is more friendly for many college students. Sometimes, some families really can't afford the expenses during their college years, or they are under great pressure after paying, so student loans are a good way to lend.

Then student loans allow students to borrow their tuition and accommodation fees. Some students have higher tuition or accommodation fees, but the maximum amount of student loans cannot exceed 8,000 yuan. If the tuition and accommodation fee exceeds 8,000 yuan, the rest will be borne by yourself. Some students may have different accommodation fees in the first year and the second year. In this case, they can choose that the loan amount is different from last year, because the loan is calculated year by year and the loan is renewed year by year. You can choose not to renew the loan, or you can choose that the loan amount is different each time. Because this year's loan has nothing to do with last year's loan, you only need to pay off the loan for four years after graduating from college. As for the amount of money for these four years, you can decide for yourself. You can borrow less from your accommodation and tuition, or you can borrow more, as long as it doesn't exceed 8000.

Can I change the loan method after the loan?

Whether the loan method can be changed after buying a house by loan needs to be judged according to the bank's regulations, and different banks have different regulations. Generally speaking, the individual repayment method is agreed in the purchase contract and is not easy to change. The repayment method has been clearly defined in the loan contract. If it is changed, the procedures will be very complicated, and banks are not willing to spend manpower, material resources and energy. From the perspective of income, the method of equal principal and interest repayment is higher than the total interest in average capital, and banks get more profits.

The repayment method of mortgage includes not only the equal principal and interest, but also the average principal. In the case of the same loan amount, fixed number of years and interest rate, the total interest of average capital is less than the interest of equal principal and interest. This is also the main reason why many people want to change the repayment method. Generally speaking, there are two main reasons why buyers want to change the repayment method:

First, when I buy a house, my financial ability is limited, so I can only choose the one with equal principal and interest and higher total interest. Then I had money in my hand. In order to save interest, I want to change the equal principal and interest into average capital. Second, some people don't know the difference between the two repayment methods when applying for loans, and then they know the advantages and disadvantages. In order to reduce the moral hazard of the lender, the borrower and its responsible person should also be specially examined. When granting loans, financial institutions should not only examine the qualifications, conditions and operating conditions of borrowers, but also strengthen the examination and control of the personal qualities of investors, legal representatives of enterprises and key management personnel, including:

(a) for the chairman, general manager, factory director, manager and other key personnel gambling, drug abuse, whoring, keeping mistresses, frequenting dance halls, saunas, excessively arranging weddings and funerals, buying luxury cars disproportionate to their economic strength, and frequently renting luxury hotels, we must strictly control their corporate loans.

(two) loans to family business groups or companies must be strictly controlled. The so-called family group or company refers to an enterprise in which the main leaders of the group and its subsidiaries or branches and the main leadership positions within the enterprise are all or mainly held by blood relatives and their families and relatives.

(3) If the legal representative holds a foreign passport or permanent residence in a foreign country, and his enterprise or company has branches abroad, he should strictly control the loans of enterprises whose main family members have settled abroad or set up companies abroad, and pay close attention to the financial transactions of his legal representative with enterprises abroad. Especially for the transfer of funds abroad or the use of funds is unknown, it is necessary to strictly review, supervise and stop them in time.

(four) to investigate the legal representative of the enterprise before the loan. Loans to affiliated enterprises where one person concurrently serves as the legal representative of several enterprises must be strictly controlled.

(5) When examining the loan, we must consider the borrower's qualifications, conditions, operating conditions, repayment ability and the quality of the main person in charge of the enterprise. The borrower's political status as a "model worker", "advanced element", "overseas Chinese", "NPC representative" and "CPPCC member" shall not be used as an excuse to lower the loan conditions or illegally issue and manage loans.

Too many loans are still under review. Can I change loans? Actually it is!

Many people don't plan ahead when they borrow money, but they don't want it or need to change it when they apply for approval. Some users have asked, saying that there are too many loans, can it be changed during the audit? Then let's briefly talk about this problem for everyone, hoping to find it helpful after reading it.

Too many loans are still under review. Can I change loans?

If there is no loan at the approval stage, you can apply for cancellation, but if you want to change the application items, such as loan amount and term, you need to explain clearly with auditors or formal staff in advance to see if the other party agrees, otherwise it may not be possible to change.

Moreover, the specific amount, time limit and repayment form that can be approved are the results of comprehensive evaluation, which is not what users want, so the change is of little significance.

Assuming that the loan has been made, the loan contract is effective and generally cannot be changed. If the user wants to return the goods, he needs to pay the liquidated damages in advance with the consent of the platform. If they want to change the repayment method, they can try to apply, but the chances of passing are relatively small. Therefore, it is recommended to consider carefully before applying.

The above is about "can I change the loan if I have more loans?" . Generally speaking, if the user wants to cancel the application, he can cancel it during the approval period or settle it in advance after the loan is released. If you just want to reduce the loan application amount, you can explain it to the auditor or choose to reduce it when signing the contract.