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Can the term of personal commercial loan be changed?

The repayment period cannot be changed directly, but you can go to the bank for partial prepayment.

1. During the loan period, the borrower repays the principal and interest of the bank loan with the same repayment amount every month.

2. The borrower can choose two ways: automatic deduction by computer or repayment by networked savings offices of loan banks, and repayment of loan principal and interest on a monthly basis;

3. Modification or termination of the loan contract

(1) If the loan contract needs to be changed, it must be agreed by the loan handling bank, the borrower and all parties concerned through consultation, and a change contract shall be signed according to law.

(2) If the borrower dies, is declared missing or loses civil capacity, and his heirs, guardians or legatees continue to perform the loan contract signed by the borrower, they shall sign a new loan contract and go through the relevant formalities.

(3) After the borrower repays all the loan principal and interest as agreed in this contract, the collateral or pledge is returned to the mortgagor or pledger, and the loan contract is terminated.

Extended data:

According to the general principles of loans:

Article 24 Restrictions on Lenders:

1. Loans must be issued in strict accordance with the relevant provisions of Article 39 of the People's Republic of China (PRC) Commercial Bank Law on asset-liability ratio management, and the conditions stipulated in Article 40 for granting credit loans and secured loans to related parties shall not be better than those of other borrowers.

Two, the borrower has one of the following circumstances, shall not issue loans:

(a) do not have the qualifications and conditions stipulated in Article 17 of Chapter IV of these General Rules;

(two) production, operation or investment in products and projects prohibited by the state;

(3) Violating the provisions of the State on foreign exchange control;

(four) the construction project has not obtained the approval documents, which should be reported to the relevant departments for approval in accordance with state regulations;

(five) the production, operation or investment projects have not obtained the permission of the environmental protection department;

(six) contract, lease, joint venture, merger (merger), cooperation, division, paid transfer of property rights, shareholding system reform and other institutional changes. If the original loan debt is not paid off, the original loan debt is implemented or the corresponding guarantee is provided;

(seven) there are other serious illegal business practices.

Three, without the approval of the people's Bank of China, foreign currency loans may not be issued to natural persons.

Four, self loans and specific loans, in addition to the provisions of the people's Bank of China interest, shall not charge any other fees; Entrusted loans, in addition to the fees charged by the people's Bank of China, shall not charge any other fees.

Five, shall not advance funds to the client, unless otherwise stipulated by the state.

Six, strictly control credit loans, and actively promote secured loans.

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