Loan transfer means that the borrower transfers the loan from one bank to another in exchange for lower interest rate or more favorable terms. This kind of behavior is also called lending, lending and so on. Loan conversion is an act taken by the borrower to reduce the loan interest rate and ease the repayment pressure. It is usually realized by applying for loans from other banking institutions and borrowing new ones to repay the old ones. Loan translation requires the borrower to negotiate and negotiate with the target banking institution in order to obtain more favorable loan conditions. In the process of job transfer, the borrower needs to pay attention to the relevant procedures, such as the signing of the loan contract and the written consent of the original banking institution to transfer jobs. It should be noted that the loan conditions and interest rates of different banks are different, so we must make careful judgments according to the actual situation of individuals and the current interest rate in the market. In addition, before transferring the loan, the borrower also needs to consider whether to bear the corresponding expenses, guarantee fees, evaluation fees, etc.