The loan cannot be transferred to someone else's name. Loans handled by individuals cannot be transferred to others at will. Only after consulting with others, others will apply for a loan from the bank, and then use the loan to help you pay off your debts, which may be transferred to others' names.

Legal basis: Article 67 1 of the Civil Code stipulates that if the lender fails to provide the loan according to the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses.