Legal analysis: Yes. Housing provident fund loan is a loan contract, and the term is agreed by the parties, so as long as the borrower meets certain conditions, the term can be modified through consultation.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 160 A time limit may be attached to a civil juristic act, but it may not be attached according to its nature. A civil juristic act with an effective time limit shall take effect upon the expiration of the time limit. A civil juristic act with a termination period shall be invalid at the expiration of the termination period.

Article 470 The contents of a contract shall be agreed upon by the parties, and generally include the following clauses:

(1) The name and domicile of the party concerned;

(2) Subject matter;

(3) quantity;

(4) quality;

(5) Price or remuneration;

(6) Time limit, place and method of performance;

(7) Liability for breach of contract;

(8) Methods for resolving disputes.

The parties may conclude a contract by referring to the model texts of various contracts.