It can be changed, but it is not necessary to change it to 20 years. Now pay back in advance in one lump sum, without any additional expenses. You can have more sex every month or have sex once. It doesn't matter to you.

Second, can commercial loans change the repayment method and time?

1. The repayment method of commercial loans can be changed, that is, for people with strong repayment ability, stable income and extra income, the repayment method can be changed.

2. The repayment date of the loan cannot be modified, that is, the loan begins to bear interest, so the date cannot be adjusted.

Loan application conditions

When applying for a loan, urban residents who have completed Beijing and residents of other cities, overseas and foreign citizens who have the right of abode in Beijing must meet the following qualifications.

1, with legal residence status;

2. Have a stable occupation and income;

3, have the ability to repay the loan principal and interest on schedule;

4. There are assets recognized by the loan bank that can be mortgaged or pledged, or (and) there are guarantors who meet the prescribed conditions for their guarantee;

5, there is a contract or agreement to buy housing;

6. When applying for a loan, there is a deposit of not less than 30% of the funds required for house purchase in CCB. If the advance payment for house purchase has been paid to the selling unit, the original and photocopy;

7. Other conditions stipulated by the lending bank.

Extended data:

operation sequence/order

1. The borrower and the developer pay 30% of the house purchase price at the same time when signing the house purchase contract;

2. yes;

3. After the bank receives the certificate issued by the law firm, it signs a loan with the purchaser;

4. Go through the formalities according to relevant information and issue loans.

5. The borrower repays the loan by equal repayment. Interest is still charged on the outstanding loan principal in the current period. No fines will be charged.

perform formalities

1. The law firm (or notary office) entrusted by CCB adjusts the information provided by the borrower.

2, CCB agencies to approve the borrower's application.

3. The borrower opens an account, obtains a savings card and signs a loan contract.

4. Handle mortgage, guarantee, pledge, insurance and other related guarantee procedures.

5. The loan contract takes effect and the funds are transferred to the developer's account.