房贷的借款协议可以变更吗-银行贷款法律援助-法律咨询免费平台-国际律师联盟

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问题	房贷的借款协议可以变更吗
释义	律师分析：房贷的借款合同可以更改。贷款人可以根据自己的实际情况，改变个人住房贷款合同的贷款期限、还款方式和抵押物。但是，在贷款合同变更时，需要其他当事人的同意，原合同的抵押人同意在合同变更后也继续承担贷款的担保责任。【法律依据】：《中华人民共和国民法典》第五百四十三条当事人协商一致，可以变更合同。
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