"The mortgage can be transferred to the bank after two years, but it is more troublesome to operate; Because the mortgage business of each bank is independent of each other, if the borrower wants to transfer to another bank, he must pay off his mortgage at this bank and then apply for a loan from another bank. The bank will re-evaluate the borrower's credit status and cannot guarantee 100% repayment. Moreover, it is not easy for the borrower to repay the original bank mortgage loan through self-raised funds, and there may be a lot of expenses in the middle, so it is not recommended for the user to transfer the mortgage to the bank halfway.