This normal handling is unacceptable. Because before the mortgage is repaid, the house is not yours, but the bank's. You have no right to give it to others.

But you can find a second-hand house dealer to handle the transfer. You need to say the specific cost yourself. In fact, when they apply for re-mortgage, they pay off the mortgage of the house first and then apply for another person's mortgage again. So the charge will be higher. Changing the name requires a new deed tax.

If you have paid off the mortgage, you don't have to pay any fees, just do a notarization and you can transfer it to others.