1. Bank repayment method can be changed. If the contract also involves the housing developer, the consent of the housing developer should be obtained when changing the purchase contract; In addition, after adopting the average capital repayment method, if the mortgage amount exceeds the borrower's repayment ability recognized by the original bank, the bank needs to re-evaluate the borrower's repayment ability.

2. Legal basis: Article 10 of the Measures for the Administration of Individual Housing Loans.

The lender shall reasonably determine the loan term according to the actual situation, but the longest term shall not exceed 20 years.

Article 11

The borrower shall work out a repayment plan with the loan bank. If the loan term is less than 1 year (including 1 year), the borrower will repay the principal and interest in one lump sum at maturity, and the interest will be paid with the principal. If the loan term exceeds 1 year, the principal and interest of the loan shall be repaid monthly.

2. What are the repayment methods of bank loans?

Bank loan repayment methods are:

1, interest first, also known as the final settlement method. The borrower pays off the principal and interest of the loan on the maturity date of the loan and repays the interest on a monthly basis;

2. Equal principal and interest repayment method. Repay the loan principal and interest in equal amount every month during the loan period;

3. Average capital repayment method. During the loan period, the loan principal will be repaid in equal amount every month, and the loan interest will decrease with the principal month by month;

4. Equal ratio progressive repayment method. The borrower repays the loan in a certain proportion in each time period, in which the amount returned in each time period includes the interest and principal payable in that time period, which shall be repaid in installments according to the repayment interval, and all the principal and interest shall be paid off before the loan deadline;

5. Equal progressive repayment method;

6. Combination repayment method. It is a repayment method that repays the loan principal in installments and calculates the interest according to the actual occupation time of funds.