& ltp> 1. The son needs to have enough repayment ability and credit history to bear the father's mortgage. & lt/p & gt；

& ltp>2. The bank needs to agree to transfer the mortgage to its son, and it needs to meet the loan conditions and approval process of the bank. & lt/p & gt；

& ltp>3. Relevant legal procedures and formalities are required, including property transfer and loan transfer. & lt/p & gt；

& ltp> It should be noted that if the father has not paid off the mortgage and transferred it to his son, the son needs to continue to bear the repayment responsibility. At the same time, if the father has problems such as overdue repayment after the mortgage transfer, the son also needs to bear corresponding responsibilities. Therefore, risks and responsibilities need to be fully considered before mortgage transfer. & lt/p & gt；