1. I have a mortgage loan in the bank and I need 200,000 yuan urgently. Can I apply for an extension with the bank?
The specific loan amount that can be applied for depends on the personal financial situation and repayment ability
2. Can I apply to the bank to extend the loan term?
I can apply to extend the loan.
When applying for an extension of a guaranteed loan, a written proof that the loan guarantor agrees to the extension and continues to guarantee the loan should also be provided. The loan extension shall not be lower than the original loan terms. The extension of short-term loans shall not exceed the original loan period; the extension of medium-term loans shall not exceed half of the original loan period; and the extension of long-term loans shall not exceed 3 years. If the customer does not apply for extension or the application for extension is not approved, the loan will be transferred to the overdue loan account from the day after the maturity date.
The China Banking Regulatory Commission's "Interim Measures for the Management of Personal Loans" issued in February 2010 stipulates that for personal loans within one year (inclusive), the cumulative extension period shall not exceed the original loan period; 1. For personal loans that are more than 20 years old, the cumulative extension period plus the original loan period shall not exceed the maximum loan period specified for the loan type.
Extended information
1. Prerequisites for extension application:
(1) The loan has been successfully disbursed;
(2 ) The applicant is not overdue in the current status. If it is overdue, it must be paid off before it can apply for extension.
(3) The applicant’s last application has not been reviewed and a new application cannot be made;
(4) The number of years after extension cannot exceed the provisions of the center’s loan policy, and the system will Automatic judgment is made based on the age of the borrower and the nature of the property.
2. Extension application time. Applications can be made from the third working day from the last agreed repayment date to 10 days before the next agreed repayment date.