Personal housing re-mortgage loan means a business that the borrower having handled a personal housing loan at ICBC needs to transfer house property right and mortgage loan to any other person and engages ICBC to continue to handle the procedures of loan transfer during the period of repayment for sale， donation， inheritance of the purchased housing and other reasons.

　　个人住房转按揭贷款是指已在工行办理个人住房贷款的借款人在还款期间，由于所购房屋出售、赠与、继承等原因，房屋产权和按揭借款需同时转让给他人，并由工行为其续做贷款转移手续的业务。