It shows that the personal loan debt in financial institutions has been transferred, that is to say, the personal debt in commercial banks or corresponding lending institutions will be borne by a third party, and this debt account is no longer owned by individuals. Partial transfer means that part of the personal loan is borne by others, and total transfer means that all the remaining personal loans should be borne by others. If all the loans are transferred out, this part of the loans will no longer have anything to do with individuals, and no matter what happens to the loans, it will no longer affect personal credit information. The personal credit report no longer records the credit records such as repayment of the loan.

Loan is a form of credit activity in which banks or other financial institutions lend monetary funds at a certain interest rate and must repay them. Loans in a broad sense refer to loans, discounts, overdrafts and other borrowing funds. By lending money and monetary funds, banks can meet the needs of society for supplementary funds, so as to expand reproduction and promote economic development. At the same time, banks can also obtain loan interest income and increase their own accumulation.

Second, the repayment method

(1) Equal principal and interest repayment method: equal monthly repayment of the sum of loan principal and interest. Housing provident fund loans and commercial personal housing loans, most banks use this method. In this way, the monthly repayment amount is the same;

(2) Matching principal and interest repayment method: the borrower distributes the loan amount to each period (month) evenly throughout the repayment period, and pays off the loan interest from the previous trading day to the repayment date. In this way, the monthly repayment amount decreases month by month;

(3) Pay interest and repay the principal on a monthly basis: that is, the borrower repays the loan principal in one lump sum on the loan maturity date (applicable to loans less than one year (including one year)), and the loan interest is calculated on a daily basis and repaid on a monthly basis;

(4) Repay part of the loan in advance: that is, the borrower can repay part of the loan amount in advance by applying to the bank. Generally it is an integer multiple of 10000 or 10000. After repayment, the lending bank will issue a new repayment plan, and the repayment amount and repayment period will change, but the repayment method will remain unchanged, and the new repayment period will be subject to the new repayment period. Don't exceed the original loan term.

(5) Pay off all the loans in advance: that is, the borrower can pay off all the loan amount in advance by applying to the bank. After repayment, the lending bank will terminate the borrower's loan and handle the corresponding cancellation procedures.

(6) Loan repayment: interest shall be calculated on a daily basis after the loan. Payment can be settled at any time without penalty.