No, the borrower can repay part of the loan in advance, but the loan period cannot be shortened. When applying for a loan, the borrower, the center, the entrusted bank and the developer make an agreement by signing a loan contract. Once the contract is signed, it has legal effect.

According to Article 77 of Chapter V of the Contract Law, the parties can only modify the contract through consultation. In addition to the center and the borrower, there are two parties to the loan contract, namely the entrusting bank and the developer. Even if all four parties agree that the borrower can shorten the repayment period, according to the principle of authenticity, they can only sign a supplementary agreement to the loan contract to re-agree the new loan period. However, this supplementary agreement is not recognized by the housing construction department when the mortgage is changed, and the housing construction department needs the four parties to re-sign a new loan contract, which violates the principle of authenticity and is inconsistent with the original loan files of the center and the entrusted bank. Based on the above reasons, shortening the repayment period during the loan period is not feasible and difficult to implement at present.