2. According to the regulations, the types of loans that can adjust the loan term are mainly individual housing loans and provident fund housing loans.

The agreement on term adjustment in the Individual Housing Loan Contract is as follows: Agreement on the change of loan term, repayment method and other elements: For loans with a loan term of more than one year (excluding one year) under this contract, the borrower may apply for extending or shortening the loan term, but he shall apply to the lender in advance. After the lender agrees, both parties shall sign relevant agreements on the change of loan term and go through relevant procedures. "

The adjustment of the term of the provident fund housing loan shall be handled by the personal loan center of Xuancheng Branch of CCB after being accepted and approved by the municipal provident fund management center. Please contact the loan center of the bank if necessary.

Extended data:

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Section 1 Definitions and Principles

I. Definition

The loan term and grace period of medium and long-term loans of development banks are determined for specific loan projects.

(1) Loan term: refers to the time period from the first loan issuance date to the last loan principal recovery date of a loan project, and the creditor-debtor relationship ends.

(2) Grace period: refers to the time period between the first loan issuance date and the first loan principal recovery date of the loan project.

Two. Principles for determining loan term and grace period

In the process of loan evaluation, the term and grace period of the project loan shall be determined according to the following principles.

(1) It meets the regulatory requirements.

If the regulatory authorities clearly stipulate the loan term, the loan term must comply with the regulatory provisions when the bank and the customer agree.

(B) the upper limit of loan term control

The appraisers should reasonably design the financing structure according to the control index of the upper limit of the loan term, and agree on the source of debt repayment funds with the customers, and shall not arbitrarily break through the upper limit of the loan term.

(3) Calculate the term according to the solvency.

The length of the loan term (including grace period) should be based on the agreed source of repayment funds, predict the annual repayment cash flow, and calculate the loan term and grace period by meeting the prescribed repayment coverage. If the loan term and grace period calculated according to solvency cannot meet the requirements of this manual, the source of repayment funds must be re-agreed or the financing structure must be redesigned.

(4) Take short and don't take long.

If the loan term calculated by solvency is lower than the upper limit of the loan term, the loan term calculated by solvency shall prevail in principle.

Section 2 Classification Control Standards for Loan Term

I. The upper limit of the loan term of our bank is controlled according to Schedule 4-6- 1.

Second, the principle of determining the grace period

The grace period is the same as the project construction period in principle, and generally does not exceed the second year after the project is officially put into production. The grace period for loans used by development banks for mergers and acquisitions and debt restructuring shall not exceed 3 years in principle.

Three. Principles for determining the loan term and grace period of foreign exchange loans

(1) The term of foreign exchange loans for domestic projects shall refer to the standard for controlling the term of RMB loans in the same industry;

(2) The loan period for overseas projects shall not exceed 15 years in principle;

(3) The grace period of foreign exchange loans shall be determined with reference to the relevant provisions on RMB loans.

Four. exception

With the approval of the loan committee, the project loan period may be appropriately extended.

Baidu Encyclopedia-Loan Term