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我不是专业税务会计，说说我的理解：赠与时候有房屋贷款是可以的，但是贷款转移到了被赠与方，所以ta需要有能力从银行贷款

pastrychef (闪电)
如果被赠与方贷不到款，需要帮助还贷的人加为贷款保证人。其实这个赠与过程是交易过程，被赠与方还需要交转让税，已还的本金和房贷需要书面赠与的证明
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