The reason why banks are unwilling to shorten the loan period is because the interest paid by customers will be reduced after the loan period is shortened, and banks are naturally unwilling to do things that are not conducive to the bank's income.

Of course, as long as the customer explicitly asks, the bank will not always refuse. After the customer repays part of the loan in advance, he can choose to shorten the loan period and keep the monthly payment unchanged; Or you can choose to keep the loan term unchanged and reduce the monthly payment.