Legal analysis: Yes. The borrower needs to apply to the bank for change. A new contract will be signed after the bank agrees. Then the bank and the borrower go to the Housing Authority (or entrust the bank to see if the local housing authority can accept the entrustment) to go through the formalities for changing the main contract and bring all the basic documents. After the change, the debt has not changed much.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays it at maturity and pays interest.

Article 680 It is forbidden to lend at high interest, and the loan interest rate shall not violate the relevant provisions of the state. If there is no agreement on the payment of interest in the loan contract, it shall be deemed that there is no interest. If the loan contract does not specify the method of interest payment, and the parties cannot reach a supplementary agreement, the interest shall be determined according to the local or the parties' trading methods, trading habits, market interest rates and other factors; Loans between natural persons are regarded as having no interest.