Housing mortgage loans can be transferred, but the transfer customer must meet the conditions of bank housing mortgage loans:

China residents aged 18-65 with permanent residence or valid residence status in local towns;

Have a stable occupation and income, good credit, and the ability to repay the loan principal and interest on schedule;

Self-raised funds of more than 20% of the total price of the house purchased, and guaranteed to be used to pay the down payment of the house purchased;

Using assets recognized by banks as collateral or pledge, or using units or individuals with sufficient compensatory capacity as guarantors to repay the principal and interest of loans and bear joint liability;

There is a purchase contract or agreement, and the price of the purchased house basically conforms to the appraisal value of the bank or the real estate appraisal agency entrusted by the bank;

Other conditions stipulated by the bank.