Legal analysis: it means that the subject qualification of the contract buyer can be directly changed at the developer's office. In other words, the property has not been signed by the Housing Authority, and can be directly changed into the name of the new owner. At the same time, you can go directly to the designated bank loan mortgage to buy a house, which reduces the taxes and fees that need to be paid for transfer and is more cost-effective.

Legal basis: Article 18 of the General Principles of Loans: Rights of the Borrower:

First, you can apply for loans from the host bank or the agent bank of other banks independently and get loans according to the conditions;

Two, have the right to withdraw and use all the loans as agreed in the contract;

3. Have the right to refuse additional conditions other than the loan contract;

4. Have the right to report relevant information to the superior bank of the lender and the People's Bank of China;

Five, with the consent of the lender, have the right to transfer the debt to a third party.