Can I change the repayment date of the mortgage?

Yes, a mortgage can change the repayment date. The following are specific instructions:

1. Banking policy: According to the regulations of CBRC, banks can adjust the repayment date of mortgage according to the actual needs and conditions of customers.

2. Contract terms: In the loan contract, some banks allow borrowers to apply for adjusting the repayment date. This usually requires consulting the bank in advance and obtaining their approval.

3. Personal situation: If the borrower cannot repay the loan on the agreed date due to income changes, temporary expenses and other reasons, he may apply to the bank for postponing or advancing the repayment date.

4. Change the repayment period: Some banks offer more flexible repayment options, such as monthly payment and quarterly payment, and borrowers can choose the appropriate repayment period according to their own conditions.

Summary:

The repayment date of mortgage can be changed, but whether it is allowed and the procedures involved may vary according to the bank and contract terms. The borrower should contact the loan bank as soon as possible, explain the reasons why the repayment date needs to be changed, and then provide corresponding materials according to the requirements of the bank for processing.

Extended data:

According to China's relevant laws and banking regulations, the mortgage contract is a legal document agreed by both parties, which stipulates the repayment date and other specific matters. Therefore, if the borrower wants to change the repayment date, it needs to abide by the contract and reach an agreement with the bank through consultation. In any case, the borrower is advised to communicate with the bank in advance to ensure that the corresponding procedures and requirements are met. Please note that different banks may have different policies and regulations, so it is best to consult the specific banks directly.