The loaned house can be transferred to the child, but the transfer can only be carried out after the mortgage loan is repaid. The transfer of the house cannot be carried out before the loan is repaid. If the child has reached adulthood and has a certain income capacity, you can consider applying for a remortgage. As long as the child's personal ability meets the standards, banks will generally not refuse to remortgage.

1. Conditions for house change:

1. The property has clear property rights, a real estate certificate, no mortgage loan, and is not an affordable house or a house with small property rights that has a transfer time stipulation.

2. The owner is alive and has the capacity for civil conduct.

3. The transfer is voluntary for both parties or in accordance with legal procedures.

2. House renovation procedures:

1. Main body demolition and modification. The first step in house decoration is to demolish and modify the main body, such as demolishing walls, building walls, etc.

2. Hydropower transformation After the main demolition and transformation is completed, the next step is the water and electricity transformation. This is a very important step, because if this step goes wrong, it will have a great impact on our future lives. At the same time, if the hydropower transformation is not done well, there will still be some safety hazards.

3. Wrap the riser pipe. After the water and electricity are completed, some decorative materials need to be used to wrap the sewer pipe, so as not to affect the aesthetics of the room.

Legal basis: "The People's Republic of China and the Civil Code"

Article 209 The establishment, change, transfer and elimination of real estate property rights shall be registered in accordance with the law. Effectiveness; without registration, it will have no legal effect, except as otherwise provided by law.

Article 659: If the donated property requires registration or other procedures, the relevant procedures must be completed.

"Urban House Ownership Registration and Management Measures" Article 17 If the ownership of the house is transferred due to house sales, exchange, donation, inheritance, allocation, transfer, division, merger, adjudication, etc., the parties concerned shall Application for transfer registration shall be made within thirty days from the date of occurrence of the fact.