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. After the loan term is changed, the execution interest rate of the future repayment period shall be subject to the actual loan term after the change and the interest rate standard matching the loan term. That is, after the loan term is changed, if the actual loan term is less than 5 years (including 5 years), the number of future repayment periods will be implemented according to the 5-year interest rate standard; If the actual loan term is more than 5 years (excluding 5 years), the number of future repayment periods shall be subject to the interest rate standard of more than 5 years. The following six conditions must be met when applying for the change of loan term: 1. The borrower has paid the loan normally for more than one year, has a good reputation and has no overdue repayment at the time of application. 2. When applying for shortening the loan term, the borrower should have no bad repayment record, and the income certificate provided should have the repayment ability after shortening the term, and agree that the mortgage term of the collateral will remain unchanged. 3. When applying for extending the loan term, the borrower shall explain the objective reasons that lead to the failure to repay the loan according to the contract term, and agree to make corresponding changes to the mortgage term of the collateral. 4. The change of the term of the portfolio loan shall be agreed by the portfolio loan bank, and the change period shall be consistent. 5. The first term change shall be subject to the contract term, and the number of extended or shortened terms shall be changed by multiple (year) of 12. 6. The "actual loan term" after the loan term is changed (repayment period+future repayment period, the same below) cannot exceed the stipulated maximum term of provident fund loans, that is, 30 years for commercial housing, 30 years for second-hand housing plus the actual loan term, and 5 years after the borrower's statutory retirement age (65 years for men and 60 years for women).