1. When the house is transferred to you, he will apply for a mortgage loan in your name. If the other party fails to pay back the money on time, the bank will urge you to pay back the money. If it reaches a certain amount and time, the bank will also sue you. Then your credit history is finished, and you want to borrow money to buy a house in the future. There won't be a bank loan for you in China.

2. The house transferred to you, even if you have a house under your name, do you want to sell it or buy it yourself, even if you have two sets.