Legal analysis: provident fund loans can be changed, and buyers who have applied for housing provident fund loans can adjust the loan period according to their own repayment ability and willingness. By changing the loan term, a more appropriate monthly repayment amount can be obtained.

Legal basis: Regulations of People's Republic of China (PRC) Municipality on the Administration of Housing Provident Fund.

Thirteenth housing provident fund management center shall set up a housing provident fund account in the entrusted bank.

The unit shall go to the housing provident fund management center for the registration of housing provident fund deposit, and after being audited by the housing provident fund management center, set up a housing provident fund account for its employees at the entrusted bank. Each employee can only have one housing provident fund account.

The housing provident fund management center shall establish a detailed account of employee housing provident fund to record the deposit and withdrawal of employee individual housing provident fund.

Thirty-fourth housing provident fund management center and employees have the right to urge units to perform the following obligations on time:

(a) housing provident fund deposit registration or change, cancellation of registration;

(two) the establishment, transfer or sealing of the housing provident fund account;

(3) Paying the housing provident fund in full.