1, the term of mortgage loan can be extended, but the change procedures are extremely complicated, and it takes a long time to review various materials. Whether the formalities can finally pass the examination and approval is still unknown. Moreover, there is a small fee for handling the mortgage extension procedures, and different banks charge different fees, generally between 200 and 500 yuan.

2. Every bank has different requirements for mortgage extension. For example, ICBC customers can apply to the bank to extend the loan period. According to our investigation, if the situation is true and there is no default in repaying the loan principal and interest, ICBC will accept your application for extension.

Note: When handling housing loans, we must carefully consider the loan amount, loan term, personal income, monthly disposable mortgage amount and other issues, carefully consider our own income, and make a reasonable repayment plan in advance. Try not to appear the dilemma of mortgage default.