Legal analysis: housing accumulation fund can shorten life. According to the current policy, the borrower can adjust the monthly repayment amount according to his own wishes within the loan period stipulated in the loan contract, and can apply for adjustment once a year. You can increase the monthly repayment amount by shortening the remaining loan period; For loans that have been shortened, the monthly repayment amount can still be reduced by extending the remaining loan period. The monthly repayment amount of commercial loans in portfolio loans is adjusted by the lending bank.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.