Can the repayment date of the bank loan be changed?

Can the repayment date of BOC loan be modified?

After the loan is issued, the borrower may apply to the agency for post-loan change and modification of the repayment date.

The above contents are for your reference. Please refer to the actual business regulations.

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Can the repayment date of mortgage be changed?

You can't change it. The repayment date of mortgage loan cannot be changed. The repayment date of the mortgage is subject to the loan date, that is, the loan begins to bear interest, so the date cannot be adjusted.

However, prepayment can change the time of mortgage term. In the process of mortgage repayment, the lender can shorten the repayment period by partial repayment.

If you need to change the time for some reason, you can communicate with the bank in advance to apply, and then the bank will pass. If the bank fails to pass the audit, you can't change it. You must repay it on time.

Precautions for mortgage repayment:

1. Lenders should pay attention to repay the mortgage on time and in quantity. If the mortgage is not repaid on time or in quantity, it will cause overdue records and have a great impact.

2. If the repayment period is over half, the borrower does not need to rush to repay in advance, because the principal accounts for a relatively large part of the current monthly repayment amount. If the repayment is made in advance at this time, the interest cannot be saved.

3. If the borrower's mortgage interest rate is lower than that in deposit interest rate, there is no need to rush to repay in advance, and you can deposit your money in the bank to get more income.

4. If the borrower has a good investment project and the investment return rate is higher than the loan interest rate, there is no need to repay the loan in advance.

What problems should be paid attention to when repaying loans?

1. Pay attention to loan regulations: different banks have different regulations on loan repayment. I believe you will have a deep understanding when you go through the loan procedures. At present, for most small and medium-sized joint-stock banks, there are few additional penalty interests for buyers who want to repay their loans in advance, and they are required to pay liquidated damages. However, some large state-owned banks need to pay liquidated damages to varying degrees. Some banks will make it clear in the loan contract that early repayment may require a certain penalty.

2. Pay attention to loan preferences: Some people enjoy loan preferences when handling loan procedures, so they should weigh the pros and cons when repaying. It is understood that banks give different interest rate concessions to different borrowers at different times.

Repayment method:

According to the repayment method, it can be divided into two types: equal principal and interest repayment method and average capital repayment method.

Matching principal and interest repayment method is to repay the same amount of loans (including principal and interest) every month during the repayment period, so that the monthly repayment amount is fixed.

It can control the expenditure of family income in a planned way, and it is also convenient for each family to determine the repayment ability according to their own income.

The repayment method in average capital is to repay the principal in equal amount every month, and then calculate the interest according to the remaining principal, so the repayment amount is more in the early stage because there are more principals.

In the following time, it will be reduced every month. The advantage of this method is that the initial repayment amount is large and the interest expense will be reduced, which is more suitable for families with strong repayment ability.

Equal principal and interest repayment method is also called monthly average method. The repayment speed of the principal is slow, and the repayment pressure is light, at the cost of overpaying the total interest.

Compared with average capital repayment method, the total interest difference is not obvious in the short and medium term (1-5 years), but obvious in the long term (20-30 years).

Can the repayment date of mortgage be adjusted?

The date of mortgage repayment cannot be changed. The date of repayment has been clearly marked in the purchase contract and cannot be changed at will. Repayment should be made on the date agreed in the contract. Although the repayment date stipulated by the bank cannot be modified, if it is really necessary to change the repayment time, prepayment is also possible, as long as you apply for prepayment according to the bank regulations.

The types of housing loans provided by banks mainly include enterprises and individuals.

Personal housing loans can be divided into personal housing provident fund loans and personal housing commercial loans, entrusted loans, self-operated loans and portfolio loans.

Personal housing provident fund loan is a loan that employees who pay housing provident fund units to the fund management center on time in a specified period, buy or build their own houses (including second-hand houses) in this city, use their own property houses as collateral, and apply to the fund management center for guarantee by a legal person with guarantee ability. Loans can be issued by banks entrusted by the fund management center.

Personal housing commercial loan

It can be roughly divided into six varieties:

(1) Personal housing loan (including forward house and existing house);

(2) Personal second-hand housing loans;

(3) individual housing renovation loans;

(4) Personal housing consumption loans;

(five) personal commercial housing loans;

(6) individual housing portfolio loans;

Personal housing loan refers to the loan issued by the borrower to the bank with the purchased house as collateral, including forward mortgage loan and existing home mortgage loan. Among them: the auction house refers to the house under construction or the house that has been completed and accepted and is in the process of handling the real estate license; Xianfang refers to the house that has been completed and accepted and obtained the property right certificate. The maximum amount of personal housing loans issued by banks is 80% of the purchase amount.

Personal second-hand housing loans refer to loans issued by banks to borrowers for the purchase of second-hand housing. Among them, second-hand housing refers to the housing that has obtained all property rights and can enter the secondary market of real estate for circulation and trading. The age of applying for a loan for a second-hand house is generally not more than 15 years; The sum of the loan term and the house age is generally not more than 25 years.

Personal housing renovation loans refer to loans issued by banks to borrowers for renovating their own houses. The maximum proportion shall not exceed 50%, and the loan period shall not exceed 5 years.

Personal housing consumption loans refer to loans issued by banks to borrowers for family expenses. The maximum proportion shall not exceed 50% of the assessed value of the collateral, and the longest loan period shall not exceed 10 year.

Personal commercial housing loans refer to loans issued by banks to borrowers for purchasing personal self-operated commercial housing and self-occupied office housing. The purchased commercial house shall be an existing house, with the highest proportion not exceeding 60% and the longest loan period not exceeding 10 year.

Personal housing portfolio loan refers to a loan composed of housing provident fund loan and housing guarantee loan, that is, when an individual applying for housing provident fund loan is insufficient to pay the purchase price, the insufficient part applies to the bank for commercial housing loan. The two loans bear interest according to the provident fund loan interest rate and the commercial loan interest rate respectively, and the loan term is the same. Borrowers can apply for portfolio loans from banks that accept provident fund loans. National laws and regulations

Entrusted housing loans refer to loans granted by banks to individuals who purchase ordinary housing as required, and the source of funds is housing provident fund deposits.

Housing self-operated loan is a loan issued to individual buyers from the source of bank credit funds.

Housing portfolio loan refers to the loan from the housing provident fund deposit and credit funds to the same person who buys the same set of ordinary housing for their own use. It is a combination of personal housing entrusted loan and self-operated loan.

Housing savings loan refers to a kind of loan on the premise that property buyers deposit money in advance in order to obtain bank loans. It is a kind of contractual housing savings to solve the financial difficulties for those who have not participated in the provident fund or have obtained provident fund loans but still have a funding gap.